Holders of credit cards Gold and Platinum have a lot of advantages that are worth to be known. They can save your money and save you from many problems. So if you are not have it yet, just go check your credit card offers now, but if you are still curios what it can advantage you, keep reading this.
When you rent a car
- The collision / damage you rent a car for a weekend? Decline the coverage of the landlord! Your Gold or Platinum card comes with a collision / damage in case of accident or theft, you’re responsible or not. The protection applies to any person you have allowed to keep driving your car, like your spouse or your parent (if the view is good, of course).
The restrictions of the rental period will not exceed 48 consecutive days. You drive in Canada and the United States. The retail price of the vehicle as suggested by the manufacturer and excluding fees will not exceed $ 65 000. You must not carry passengers or goods in exchange for a fee.
How to claim Call the hotline at least 48 hours after the event and make a claim within 45 days after the disaster. The supporting documents must be provided within 90 days, including the account credit card, the original copy of the lease, the statement of claim and the estimated repair costs.
- Theft Your Visa card will not protect you in case of theft of personal effects that are in the rental car. However, your MasterCard could cover such incidents.
Attention to civil liability! You could be sued for damages if you are responsible in whole or in part from an accident in Quebec, which has caused injury, death or property damage. However, your card does not cover this aspect of so-called “civil liability”. However, you can count on the protection of civil liability 50 000 dollar car renter, “says Alexandre Royer, Public Affairs Advisor to the Insurance Bureau of Canada. But beware! In the United States and Ontario, the money invested in civil liability, can reach seven figures. If you are convicted, you could lose your home, your cottage, and having to liquidate your RRSP and empty your nest egg.
A board of police of personal auto insurance car owners can have protection against civil liability that applies to rental vehicles. You do not have personal auto insurance? You better buy an insurance liability to the lessor. “We recommend a protective liability of at least one million dollars,”
When you travel
- You need emergency care When you do your shopping in Plattsburgh or Ottawa, you are not protected by the Some insurance plan. In case of accident or illness requiring medical care outside Quebec, your family and you have protection in emergency health care, including hospital care, dental care, the cost of repatriation and subsistence, transport costs of a companion and even dying … the repatriation of his remains.
These restrictions offered by your insurance does not cover injuries or illnesses occurred three to six months before departure, unless the situation is stable and controlled by medication prescribed by a doctor. For some issuers, the period of compulsory medical condition is stable for 12 months for 55 years and older. The duration of stay is limited between 15 to 31 days and may decrease with age! Some cards do not protect people over 65 years. Others are subject to a deductible. Treatments related to pregnancy eight or nine weeks before the expected date of childbirth or after childbirth are not included. Injuries caused by risk sports like scuba diving, mountain climbing, gliding, caving and parachuting are excluded. The expenditures must first be approved by the helpdesk.
How to claim Before incurring costs, get the approval of the service desk of the issuer. Otherwise, you may pay a bill enough salt, for example 20% of medical expenses, up to a maximum of 25 000 dollars.
A council “Do not pay your trip in cash or by check … because you will not get this insurance cover!”
- You lose your luggage in case of delay, damage or loss of luggage, this protection covers a portion of the value of the items in question, and the purchase of clothing and toilet articles of prime necessity. The sum total is low: for example, $ 750 per insured person. This protection may be applicable four hours after the arrival of the flight.
How to claim presents a claim not later than 30 days after the event. And at the latest after 90 days, you must provide a report from the carrier certifying loss or delay, as well as receipts for the purchases.
When you buy
- Insurance and extended warranty purchase Most of the items purchased by credit card are refunded up to 90 days after purchase, in case of loss, theft or damage. And that’s the beauty of the thing: the warranty of the card can double or even triple that of the manufacturer, up to an additional year or two!
Restrictions Together, the extended warranty and the manufacturer does not exceed five years. The objects of art, perishable items, plants, animals, jewelry, precious stones, motor vehicles, used items and watches and furs that you carry in your luggage are not covered. Coverage limits vary from one issuer to another, but they usually have a ceiling of 50 000 or 60 000 dollars, of which 10 000 dollars per item, for the entire duration of the detention of the map .
How to claim Contact the help desk within 30 days after the accident, because his approval is necessary before embarking on repair costs. You must move within 90 days of the original invoice, the account of your credit card and the manufacturer’s warranty.
A council Keep your bills and guarantees of the manufacturer. The invoice is the proof of purchase. The account of the issuer is not a proof of purchase.
WARNINGS
- Coverage varies from one card to another Platinum Card offers more protection that the card Or are they more likely if the fee (eg $ 90 or $ 120 per year) than when they are free. In some cases, for example, there will be no travel health insurance … but the loyalty points may be more generous than average. To learn more, call your issuer or are reading the documentation that came with your card.
- Beware of forgetfulness! All these benefits will go up in smoke if you forgot to do the last two or three payments from the card (the time varies depending on the issuer, for example, two months for the cards from the Royal Bank, and three months for the others).
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