Rental Car Damage

This Benefit is not available within this plan

This Benefit is not available within this plan

OPTIONAL CAR RENTAL COLLISION COVERAGE
Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

>Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to: (a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement; (b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles; (c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible; (d) failure to report the loss to the proper local authorities and the rental car company; (e) damage to any other vehicle, structure, or person as a result of a covered loss; (f) driving under the influence of alcohol; (g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)

The Insured?s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver?s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

OPTIONAL - TRANSPORTATION PAK UPGRADE

If You have purchased the Transportation Pak upgrade in addition to Your Travelex Passenger Protection Plan, You will receive the Collision Damage Waiver, Roadside Assistance Service and Flight Accidental Death and Dismemberment benefi ts. Benefi t coverage is per Plan, 1 Pak allowed per Plan.

COLLISION DAMAGE WAIVER

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:

• (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
• (b) the Actual Cash Value of the car, meaning purchase price less depreciation; or
• (c) the amount shown on the Confirmation of Coverage.

The following duties apply in the event of Loss:

1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver?s license number;
4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement. Coverage is not available to residents of Texas and Oregon.

This benefit does not apply to cars rented in Jamaica, Republic of Ireland, Northern Ireland and Israel.

ROADSIDE ASSISTANCE
Emergency Roadside Assistance is available 24 hours a day, 365 days a year. You are responsible for any non-covered expenses or covered costs in excess of Your $50 per occurrence maximum. Service must be a covered benefi t under the terms and conditions of this contract while You are on a scheduled Covered Trip and is available only for the specifi c Covered Vehicle registered as part of this agreement. Covered Vehicle means only that vehicles, which is rated 3/4 ton in weight or less, not used for racing, rentals, dealer services, dealer loaners, taxi, limousine, shuttle, delivery, hauling, towing, road repair service, construction service, snow removal, or as a public livery vehicle, or any other commercial use that is purchased or leased. All of the services provided are described herein and are applicable throughout the United States and Canada. All 24 Hour Roadside Assistance services are provided by Brickell Financial Services Motor Club, Inc. dba Road America Motor Club, administrative offi ces at 7300 Corporate Center Drive, Suite 601, Miami, FL 33126. For Mississippi and Wisconsin customers, services are provided by Brickell Financial All Services Motor Club. For California customers, services are provided by Road America Motor Club, Inc. Just call the TOLL-FREE number, 1-800-693-5314 and a service vehicle will be dispatched to Your assistance. Important: Please be with Your Covered Vehicle when the service provider arrives, as they cannot service an unattended vehicle. Note: Only one service call for the same cause will be covered during any seven-day period.
Covered Services include:

1. Towing Assistance - When towing is necessary, Your Covered Vehicle will be towed to the nearest qualifi ed service facility.
2. Flat Tire Assistance - Service consists of the removal of the fl at tire and its replacement with the spare tire.
3. Fuel, Oil, Fluid and Water Delivery Service - An emergency supply of fuel, oil, fl uid and water will be delivered if You are in immediate need. You must pay for the fl uid when it is delivered.
4. Lock-out Assistance - If Your keys are locked inside a compartment of Your Covered Vehicle, assistance will be provided to supply assistance in gaining entry into the locked compartment.
5. Battery Assistance - If battery failure occurs, a jump start will be provided to start Your Covered Vehicle.
6. Collision Assistance - If Your Covered Vehicle is involved in a collision, towing assistance will be provided when needed to direct the Vehicle to the nearest qualifi ed repair facility.

FLIGHT ACCIDENTAL DEATH & DISMEMBERMENT

You are eligible for benefits as the result of an Accident:

1. Received while a passenger on a regularly scheduled airline flight or regularly scheduled charter operated; on scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an Intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;
2. Received while a passenger on any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;
3. Received while a passenger on any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this Policy;
4. Received while a passenger on a vehicle licensed to carry passengers for hire, but only when:
   
   (a) going to an airport to board an aircraft on which You are covered by this Policy; or
   
   (b) when leaving an airport after alighting from such an aircraft;
5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered under this Policy. Benefits will be paid equal to the amount purchased for accidental death or dismemberment when You sustain Injuries resulting in any of the following Losses within 181 days from the date of the Accident:

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to Optional Collision Damage Waiver:
The Company will not provide benefi ts for any Loss or damage to:

1. Any obligation You assume under any agreement (except insurance collision deductible);
2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. Any Loss that occurs if You are in violation of the rental agreement;
4. Failure to report the Loss to the proper local authorities and the rental car company;
5. Damage to any other vehicle, structure or person as a result of a covered Loss.

OPTIONAL CAR RENTAL COLLISION COVERAGE
Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

>Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to: (a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement; (b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles; (c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible; (d) failure to report the loss to the proper local authorities and the rental car company; (e) damage to any other vehicle, structure, or person as a result of a covered loss; (f) driving under the influence of alcohol; (g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)

The Insured?s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver?s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

CAR RENTAL COLLISION COVERAGE
If an Insured?s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:

• (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
• (b) the Actual Cash Value of the car.

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered

The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided (in whole or in part) for any loss due to:

• (a) any Loss which occurs if the Insured or his/her Traveling Companion violates the rental agreement;
• (b) rentals of trucks, (not including jeeps or SUV?s), campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
• (c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
• (d) failure to report the Loss to the proper local authorities and the rental car company;
• (e) damage to any other vehicle, structure, or person as a result of a covered Loss;
• (f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
• (g) driving under the influence of alcohol;
• (h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• (i) war or act of war, whether declared or not, civil commotion, insurrection or riot;
• (j) Injury sustained while committing or attempting to commit a crime.

If an Insured's rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:

• (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
• (b) the Actual Cash Value of the car.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity. The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided (in whole or in part) for any loss due to:

• (a) any Loss which occurs if the Insured or his/her Traveling Companion violates the rental agreement;
• (b) rentals of trucks, (not including jeeps or SUV?s), campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
• (c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
• (d) failure to report the Loss to the proper local authorities and the rental car company;
• (e) damage to any other vehicle, structure, or person as a result of a covered Loss;
• (f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
• (g) driving under the influence of alcohol;
• (h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• (i) war or act of war, whether declared or not, civil commotion, insurrection or riot;
• (j) Injury sustained while committing or attempting to commit a crime.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the Actual Cash Value of the car.
Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to: (a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement; (b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles; (c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible; (d) failure to report the loss to the proper local authorities and the rental car company; (e) damage to any other vehicle, structure, or person as a result of a covered loss; (f) driving under the influence of alcohol; (g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)
The Insured's Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver's license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to: (a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement; (b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles; (c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible; (d) failure to report the loss to the proper local authorities and the rental car company; (e) damage to any other vehicle, structure, or person as a result of a covered loss; (f) driving under the influence of alcohol; (g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)
The Insured?s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver?s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

Rental Car coverage is not available for these destinations: Ireland, Jamaica, or Costa Rica.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible:
(a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
(b) the Actual Cash Value of the car.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

CAR RENTAL COLLISION COVERAGE
If an Insured?s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:
(a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
(b) the Actual Cash Value of the car.
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.
Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.
This coverage is Primary to other forms of insurance or indemnity. The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

Car Rental Collision Coverage Payment of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the Loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver?s license number; and provide Travel Guard all documentation such as rental agreement, police report, and damage estimate.

EXCESS INSURANCE LIMITATION
The insurance provided by the Policy for all coverages except Trip Cancellation and Interruption, Car Rental Collision Coverage and Medical Expense shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss payable under the Policy there is other valid and collectible insurance or indemnity in place, the Insurer shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable deductible.

The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided (in whole or in part) for any loss due to:
(a) any Loss which occurs if the Insured or his/her Traveling Companion violates the rental agreement;
(b) rentals of trucks, (not including jeeps or SUV?s), campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
(c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
(d) failure to report the Loss to the proper local authorities and the rental car company;
(e) damage to any other vehicle, structure, or person as a result of a covered Loss;
(f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
(g) driving under the influence of alcohol;
(h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
(i) war or act of war, whether declared or not, civil commotion, insurrection or riot;
(j) Injury sustained while committing or attempting to commit a crime.

This Benefit is not available within this plan

RENTAL CAR DAMAGE

(Not available to residents of TX)

You are eligible for benefits up to the Maximum Benefit Amount if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:
a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b. the Actual Cash Value of the car; or
c. the amount shown on the Schedule.
Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.
Coverage is not provided for loss due to:
1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;
4. failure to report the loss to the proper local authorities and the rental car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines the Your duties in the event of any damage to the vehicle. You must:
a) Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;
b) Report the loss to the appropriate local authorities and the rental company as soon as possible;
c) Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;
d) Provide Us all documentation such as rental agreement, police report and damage estimate.

This Benefit is not available within this plan

OPTIONAL - TRANSPORTATION PAK UPGRADE

If You have purchased the Transportation Pak upgrade in addition to Your Travelex Passenger Protection Plan, You will receive the Collision Damage Waiver, Roadside Assistance Service and Flight Accidental Death and Dismemberment benefits. Benefit coverage is per Plan, 1 Pak allowed per Plan.

COLLISION DAMAGE WAIVER

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:

• (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
• (b) the Actual Cash Value of the car, meaning purchase price less depreciation; or
• (c) the amount shown on the Confirmation of Coverage.

The following duties apply in the event of Loss:

1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver?s license number;
4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement. Coverage is not available to residents of Texas and Oregon.

This benefit does not apply to cars rented in Jamaica, Republic of Ireland, Northern Ireland and Israel.

ROADSIDE ASSISTANCE
a day, 365 days a year. You are responsible for any non-covered expenses or covered costs in excess of Your $50 per occurrence maximum. Service must be a covered benefi t under the terms and conditions of this contract while You are on a scheduled Covered Trip and is available only for the specifi c Covered Vehicle registered as part of this agreement. Covered Vehicle means only that vehicles, which is rated 3/4 ton in weight or less, not used for racing, rentals, dealer services, dealer loaners, taxi, limousine, shuttle, delivery, hauling, towing, road repair service, construction service, snow removal, or as a public livery vehicle, or any other commercial use that is purchased or leased. All of the services provided are described herein and are applicable throughout the United States and Canada. All 24 Hour Roadside Assistance services are provided by Brickell Financial Services Motor Club, Inc. dba Road America Motor Club, administrative offi ces at 7300 Corporate Center Drive, Suite 601, Miami, FL 33126. For Mississippi and Wisconsin customers, services are provided by Brickell Financial All Services Motor Club. For California customers, services are provided by Road America Motor Club, Inc. Just call the TOLL-FREE number, 1-866-296-9356 and a service vehicle will be dispatched to Your assistance. Important: Please be with Your Covered Vehicle when the service provider arrives, as they cannot service an unattended vehicle. Note: Only one service call for the same cause will be covered during any seven-day period
Covered Services include:

1. Towing Assistance - When towing is necessary, Your Covered Vehicle will be towed to the nearest qualified service facility.
2. Flat Tire Assistance - Service consists of the removal of the fl at tire and its replacement with the spare tire.
3. Fuel, Oil, Fluid and Water Delivery Service - An emergency supply of fuel, oil, fl uid and water will be delivered if You are in immediate need. You must pay for the fluid when it is delivered.
4. Lock-out Assistance - If Your keys are locked inside a compartment of Your Covered Vehicle, assistance will be provided to supply assistance in gaining entry into the locked compartment.
5. Battery Assistance - If battery failure occurs, a jump start will be provided to start Your Covered Vehicle.
6. Collision Assistance - If Your Covered Vehicle is involved in a collision, towing assistance will be provided when needed to direct the Vehicle to the nearest qualified repair facility.

FLIGHT ACCIDENTAL DEATH & DISMEMBERMENT

You are eligible for benefits as the result of an Accident:

1. Received while a passenger on a regularly scheduled airline flight or regularly scheduled charter operated; on scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an Intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;
2. Received while a passenger on any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;
3. Received while a passenger on any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this Policy;
4. Received while a passenger on a vehicle licensed to carry passengers for hire, but only when:
   
   (a) going to an airport to board an aircraft on which You are covered by this Policy; or
   
   (b) when leaving an airport after alighting from such an aircraft;
5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered under this Policy. Benefits will be paid equal to the amount purchased for accidental death or dismemberment when You sustain Injuries resulting in any of the following Losses within 181 days from the date of the Accident:

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to Optional Collision Damage Waiver:
The Company will not provide benefi ts for any Loss or damage to:

1. Any obligation You assume under any agreement (except insurance collision deductible);
2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. Any Loss that occurs if You are in violation of the rental agreement;
4. Failure to report the Loss to the proper local authorities and the rental car company;
5. Damage to any other vehicle, structure or person as a result of a covered Loss.

RENTAL VEHICLE DAMAGE PROTECTION You are covered, up to the Maximum Benefit Amount, for physical loss or damage to a Rental Vehicle for which You are liable, provided such vehicle was rented from an approved Commercial Rental Vehicle Agency and for which You declined a collision damage waiver. Coverage is limited to any physical damage to or loss of the Rental Vehicle caused by:
1) theft, or malicious mischief;
2) riot, civil commotion;
3) fire explosion, or Natural Disaster; or
4) collision with another object or by upset. Only one Rental Vehicle at a time may be covered under the Policy.

NOTE: It is Your responsibility to examine the Rental Vehicle, prior to Your acceptance of such vehicle, for any existing damage and to retain a copy of the written record of such damage for submission to Us in the event of a claim. Coverage is provided for any loss or physical damage to the Rental Vehicle anywhere in the world and includes payment of towing costs, fire department charges, damage repairs, salvage, and civil action defense costs on account of such loss or damage.

Rental Vehicle: means any motor vehicle rented from a Commercial Rental Vehicle Agency as described in the rental agreement.
A Rental Vehicle does not include trucks, vans, buses, motorcycles, mopeds, motorbikes, recreational all-terrain vehicles, campers, trailers, limousines, and vehicles 20 years of age or older, any vehicles specifically designed for off-road use and any exotic vehicles including, but not limited to Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Mercedes Benz, Porsche, Rolls Royce, or any other similar vehicle. Rental Vehicle Damage Protection: Coverage ends on the earliest of the following:
a) the Rental Vehicle return date as shown on Your enrollment form;
b) the date You return the Rental Vehicle to the Commercial Rental Vehicle Agency; or
c) the date the Rental Vehicle was scheduled to be returned to the Commercial Rental Vehicle Agency as stipulated in the rental agreement.

YOUR DUTIES IN THE EVENT OF LOSS OF OR DAMAGE TO YOUR RENTAL VEHICLE

When physical loss of or damage to Your Rental Vehicle occurs during the rental period, You must immediately:
1) report such loss or damage to the Commercial Rental Vehicle Agency and provide to the agency full details of the circumstances surrounding the loss of or damage to the Rental Vehicle;
2) file a report with the police documenting:
a) the accident involving the Rental Vehicle; or
b) the physical loss of or any damage to the Rental Vehicle; and
3) notify Our authorized travel assistance company. In order to qualify for benefits under this provision, You must submit to Us, within 30 days of the date of the loss or damage, copies of:
1) the written verifi cation of the Rental Vehicle booking as made by or through the approved Commercial Rental Vehicle Agency;
2) the rental agreement;
3) any police or other reports documenting:
a) any physical loss of or damage to the Rental Vehicle;
b) the circumstances surrounding any accident in which the Rental Vehicle may have been involved;
c) the theft of or any malicious mischief or vandalism to the Rental Vehicle; and 4) any other information We deem to be necessary to properly adjudicate Your Rental Vehicle claim. Upon receipt of the necessary forms and documentation, We will investigate and negotiate the Rental Vehicle claim on Your behalf, subject to all the terms, conditions and limitations of the Policy. We reserve the right to have the Rental Vehicle examined, at Our own expense, by an insurance adjuster of Our own choosing as often as We determine such examination to be reasonably necessary.

EXCLUSIONS In addition to any other Exclusions listed in the Policy, no coverage is provided under this provision if:
1) the Commercial Rental Vehicle Agency waives or assumes responsibility for expenses incurred as a result of any physical loss or damage to the Rental Vehicle for which You may be liable;
2) any amounts are paid or payable under any other insurance coverage You might have.

No coverage is provided under this provision for physical loss of or damage to the Rental Vehicle caused by or resulting from:
1) driving the Rental Vehicle while You are:
a) using any medication which recommends abstinence from driving;
b) receiving compensation or hire;
c) participating in an illegal activity, or transporting contraband; or d) in violation of the terms and conditions of the rental agreement;
2) mechanical failure or breakdown of the Rental Vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing;
3) any neglect or abuse of the Rental Vehicle either by the Commercial Rental Vehicle Agency or You;
4) any conversion or modification to the Rental Vehicle by or at Your direction; or
5) contamination of the Rental Vehicle by radioactive material.

Note: this benefit is not available if traveling to the following countries: Israel, Jamaica, Republic of Ireland or Northern Ireland.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of: (a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

(b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

(c) The amount shown on the Confirmation of Coverage.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) The Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you, provided you are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:

1. Any obligation of you, a Traveling Companion or a Family Member traveling with you assume under any agreement (except insurance collision Deductible).
2. Rentals of trucks, campers, trailers, off-road, or motor bikes, motorcycles, recreational vehicles or Exotic Vehicles.
3. Any loss which occurs if you or Travel Companion or Family Member traveling with you are in violation of the rental agreement.
4. Failure to report the loss to the proper local authorities and the rental car company.
5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties in the Event of a Loss:
You must:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. Report the loss to the appropriate local authorities and the rental company as soon as possible;
3. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver's license number;
4. Provide us all documentation such as rental agreement, police report and damage estimate.

OPTIONAL COLLISION DAMAGE WAIVER Optional Coverage applies only when requested on the application and the appropriate additional plan cost has been paid. Collision Damage Waiver: Applicable only when requested on the original application and the appropriate additional plan cost has been paid. (Not available for the residents of Texas and Washington State): If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Insurer will pay the lesser of: a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) The Actual Cash Value of the car, meaning purchase price less depreciation; or c) The amount shown on the Schedule. Coverage is provided to You and Your Traveling Companions provided all drivers are licensed drivers, and are listed on the rental agreement. The following duties in the event of loss apply to Collision Damage Waiver: You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

This Benefit is not available within this plan

This Benefit is not available within this plan

This Benefit is not available within this plan