Glossary of Terms

Accident report

The report is usually completed at the rental agency when the damaged vehicle is returned or exchanged. It may also be referred to as the damage report, accident, or incident report, or it may simply be a check-in slip that has a space for damage details (particularly for foreign rentals).

Accident or Accidental

A sudden, unforeseen, and unexpected event which a) happens by chance; b) arises from a source external to an Insured Person; c) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; d) occurs while You are insured under the benefit while it is in effect; and e) is the direct cause of Loss.

Accidental Bodily Injury

Bodily injury, which a) is Accidental; b) is the direct cause of a Loss; and c) occurs while the Insured Person is insured under this policy, which is in effect.  Accidental Bodily Injury does not include conditions caused by repetitive motion injuries or cumulative trauma not a result of an Accident, including, but not limited to Osgood-Schlatter’s Disease, bursitis, Chondromalacia, shin splints, stress fractures, tendinitis, and Carpal Tunnel Syndrome.

Appropriate Authority (as defined in the Trip Cancellation/Interruption benefit)

Means the U.S. State Department or other U.S. governmental authority with jurisdiction to issue travel advice.

Auction Internet Site

A public or private auction site held online including, but not limited to Ebay, Yahoo & Ubid.

Baggage/Luggage Claim Check

A bag tag or passenger stub that is handed to the passenger to identify and trace a specific bag that has gone astray and was not delivered at the destination.

Business License or Business Card

If the renter was self-employed at the time of the rental, or is the owner of their business, we require a copy of the renter’s business license/incorporation papers. If the documents are unavailable, a business card may possibly be acceptable.

Cardholder

An individual to whom a Credit Card has been issued by his/her Financial Institution. 

Citation/Ticket/Traffic Violation

If the driver was cited or ticketed, we may require a copy of the citation or ticket to determine if any of the rental terms and conditions were violated by the actions of the renter.

Change Fees

Means any fee imposed by a Travel Supplier to change the date and/or time of prescheduled travel arrangements of a Covered Trip. Change fees also include fees charged by a Rewards administrator to redeposit Rewards used to book a Covered Trip into a Rewards account. Change fees do not include a change in Common Carrier fare, occupancy provider rate, or new Common Carrier fares.

Common Carrier

Refers to land, water or air conveyance operating under valid license to transport passengers for hire and for which a ticket must be purchased prior to commencing travel.

Covered Trip (as defined for Trip Delay benefit)

Means a period of travel that does not exceed three hundred and sixty-five (365) days away from the Eligible Person’s residence to a destination other than the Eligible Person’s city of residence for which the Eligible Person charges the cost of transportation by Common Carrier to the Account and/or rewards programs associated with the covered Account.

Covered Trip (as defined in the Trip Cancellation/Interruption benefit)

Means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to Your Account:

  • while the insurance is in effect
  • to a destination of greater than one (1) mile from Your primary residence
  • and is for a time period that doesn’t exceed sixty (60) days in duration. Note:  If a Trip exceeds sixty (60) days in duration, You will be reimbursed the pro-rated portion of any Non-Refundable pre-paid Eligible Travel Expenses up to the first sixty (60) days of the Trip.  

Covered Trip also includes covered trips awarded from frequent flier or points programs provided that all of the miles or points were accumulated from charges on the Insured Person’s.

Common Carrier Statement of Delay

A letter from the Common Carrier verifying the cause of the delay.

Cost Matrix (for rentals in Europe or outside the U.S.) or Repair Estimate

A detailed list of damage and the approximate cost to repair the damage.

Declaration Page from Primary insurance

A copy of your insurance Declarations Page(s) the document(s) that lists names, coverages, limits, and deductibles effective at the time of the incident. If you were not insured on the date of the incident please supply a letter stating such.

Declaration Page from your Personal Auto Insurance

The insurance document(s) from your primary auto insurance company that lists names, all owned vehicles, coverages, limits, and deductibles. It should reflect coverages at the time of loss. It is generally the first page of the actual policy but may consist of several pages.

Demand Letter

A document which outlines the total amount claimed for damage and any additional fees the rental agency may be charging as a result of damage caused by the renter. The document generally provides contact information for the rental agency’s claims department.

Dependent Child

Your unmarried child, Dependent on You for maintenance and support, under the age of 24, under the age of 25 if enrolled as a full-time student at an Institution of Higher Learning or classified as an Incapacitated Dependent Child.

Domestic Partner (as defined in the Trip Cancellation/Interruption benefit)

Means a person designated by You who is registered as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to You by blood; has exclusively lived with You for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with You least 2 of the following financial arrangements: a joint mortgage or lease, a joint bank Account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint Credit Card Account with a financial institution.  Neither You nor Your Domestic Partner can be married to, nor in a civil union with, anyone else.

Eligible Travel Expenses (as defined in the Trip Cancellation/Interuption benefit)-

Non-Refundable prepaid travel expenses charged by a Travel Supplier (Travel Agency, Tour Operator, Licensed Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers). Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator.  Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package).  For the Trip Interruption benefit only, Eligible Travel Expenses also include Change Fees and any additional costs to return your vehicle to your closest leased or owned residence if needed, up to the Benefit Amount.

Equipment Failure

Any sudden, unforeseen breakdown in the Common Carrier's equipment that caused a delay or interruption of the trip.

Excess and Supplemental

The coverage for eligible expenses is secondary to any applicable insurance or other reimbursement available to you.

Final Rental Agreement (or closed rental contract)

The contract or receipt given when the vehicle is returned to the rental agency. It should reflect the cardholder’s name, the intended rental dates, the actual rental dates, the card used to pay for the rental, the cost of the rental, the make and model of the vehicle rented (and if exchanged for a second vehicle at the time of incident, this should reflect information for the a second vehicle), insurance selections made by the renter.

Final Repair Bill

A document that provides details on the actual costs to repair the car. It should provide a detailed listing of all parts, labor, taxes, and any other fees charged by the repair center.

Financial Insolvency

The inability of an entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations.

Immediate Family Member (as defined in the Trip Cancellation/Interruption benefit)

Your or your Spouse’s or Domestic Partner’s children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephew.

Inclement Weather

Severe weather condition that delays the scheduled arrival or departure of a Common Carrier.

Initial Claim Report with Common Carrier

A complete copy of the initial claim filed with the Common Carrier.  This applies to the Lost Luggage and Baggage Delay benefit. 

Initial Rental Agreement (or open rental contract)

Contract provided when the vehicle is picked up from the rental agency. It should reflect the cardholder’s name, the intended rental dates, the card used to reserve/secure the rental, the make and model of the vehicle rented, insurance selections if any, and the amount estimated for the rental cost.

Items Being Claimed

A list of the items being claimed including their value and receipts if available.

Letter from your Employer on Company Letterhead

A letter on company letterhead signed by a person of authority (employer, manager, owner, or whoever authorizes company travel), that confirms the rental was for business use. Please make sure that all authorized drivers are listed in this employer letter. Master rental agreement for frequent renter clubs showing reservation preference. This document must reflect the renter’s name, their insurance preferences and their preferred card for reservation purposes.

Licensed Provider of Lodging   (as defined in the Trip Cancellation/Interruption benefit)

A hotel, inn, motel, bed and breakfast, or hostel. A Licensed Provider of Lodging does not include non-commercial time shares, condominiums, or rentals of a private residence, regardless of whether such rental was brokered by a commercial real estate agent.

Master rental agreement for frequent renter clubs showing reservation preference

This document must reflect the renter’s name, their insurance preferences and their preferred card for reservation purposes.

Monthly Billing Statement Reflecting Charge for Common Carrier Tickets

The Monthly Billing Statement from the cardholder’s bank that shows the cardholder’s name, at least the last 4 digits of the credit card number, and must reflect the charge for the common carrier tickets. An online copy is acceptable provided the necessary identifying information is included.

Monthly Billing Statement Reflecting Charge for Automobile Rental

The Monthly Billing Statement from the cardholder’s bank that shows the cardholder’s name, at least the last 4 digits of the credit card number, and must reflect the charge for the rental vehicle. An online copy is acceptable provided the necessary identifying information is included.

Monthly Billing Statement or Proof of Payment (Damage Payment)

The Monthly Billing Statement or proof of payment that reflects the charges for the damage to the rental vehicle. This may have not been charged to your card.  Please provide us with documentation on any payment made for repairs to the rental vehicle.

Named Storm Warning

A warning issued by a meteorological society with jurisdiction to issue such warning, during dates of Your scheduled travel, for a named storm that is occurring or is imminently expected to occur within fifty (50) miles of the airport, terminal, or station You are scheduled to depart from or arrive to, or Your booked Licensed Provider of Lodging, and/or Host at Destination.  A Named Storm Warning does not include a government’s declaration of a state of emergency in absence of a storm warning issued by a meteorological society with jurisdiction to issue such warning, or a Named Storm Watch.

Named Storm Watch

A statement from a meteorological society with jurisdiction to issue such watch saying there is the potential for Severe Weather to occur during dates of Your scheduled travel for an area within fifty (50) miles of the airport, terminal, or station You are scheduled to depart from or arrive to, or Your booked Licensed Provider of Lodging, and/or Host at Destination.   A Named Storm Watch does not mean that Severe Weather is imminent.  A Named Storm Watch only means that based on the meteorological society’s projected course for the storm, it is possible.

Non-Refundable

Money (or Rewards) prepaid by You or Your Spouse or Domestic Partner through use of a covered Account, if covered under the policy, for a Covered the Trip cost:

  • in which will be forfeited under the terms of the agreement made with the Travel Supplier for unused travel arrangements; and
  • for which the Travel Agency or Travel Supplier will not provide any other form of compensation; or
  • for which the Rewards administrator will not provide reimbursement of Rewards

Online Reservation Information

This may replace the initial rental agreement and should contain the intended rental dates, renter’s name, card information, and vehicle preferences along with insurance preferences.

Photos of the Damage

If available, the photos can be obtained from the rental agency if the renter does not have a copy.

Physician

A licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include you, your Immediate Family Member, your employer or business partner or the Financial Institution. 

Police Report (as relates to Collision Damage Waiver benefit)

The report should reflect the accident narrative and all involved parties along with any citations/violations/tickets/findings, etc. (If you do not have this, please request from the appropriate police department.) We do require the complete police report with the full narrative if one was filed.

Pre-Existing Condition (as defined in the Trip Cancellation/Interruption benefit)

Illness, disease or Accidental injury of you, your Traveling Companion, your Immediate Family Member or the Immediate Family Member of the Traveling Companion, for which medical advice, diagnosis, care or treatment was recommended or received within the 60-day period immediately prior to the purchase of a Covered Trip. The taking of prescription drugs or medication for a controlled condition throughout this 60-day period will not be considered to be a treatment of illness or disease.   Additionally, regular antenatal care, through 26 weeks gestation; provided it is a single, uncomplicated pregnancy which does not arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilization; is not considered to be a treatment of illness or disease.

Pre-paid Voucher or Rental Reservation Confirmation

This would be included with the confirmation sent by the travel agent.

Proof of Loss (as defined in the Trip Cancellation/Interruption benefit)

Written evidence acceptable to us that an Accident, Accidental Bodily Injury or a Loss has occurred.

Purchase Invoice/ Vehicle Valuation

A document that would be provided by the rental car company that reflects the amount paid by the rental company for the purchase of the damaged vehicle. A Vehicle Valuation provides detail on the value of the subject vehicle at the time of loss.

Quarantine

You or Your Traveling Companion is forced into medical isolation by a recognized government authority, their authorized deputies, or medical examiners due to You or Your Traveling Companion either having, or being suspected of having, a contagious disease, infection or contamination. 

Receipt for Repairs (tires, etc.)

In the event that the cardholder paid for repairs to the rental vehicle, a receipt is required in addition to the estimates/invoices, etc.

Release

The legal and binding document that releases the cardholder and client from any further liability for the damages/repairs made to the rental vehicle. This is prepared by Card Benefit Services and sent to the rental agency with any settlements that are less than the original demand made by the rental company.

Rented Recreational Vehicle Provider

A commercial rental company licensed under the laws of the applicable jurisdiction and whose primary business is renting watercraft, bareboat chartered boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow mobiles or any other motorized vehicle used for recreational purposes, unless stated otherwise or an exclusion applies.

Rewards

Means points, miles, cash Rewards, or any other type of redeemable Rewards, as well as any re-deposits fees charged by a Rewards administrator, provided that all Rewards have been accumulated through use of your issuing bank and/or its affiliates sponsored Rewards program. 

Sales Receipt

The original document/charge slip showing proof of a sales transaction which shows the last four digits of the eligible credit card imprinted on the receipt.

Salvage invoice

This document reflects the amount received for the sale of the damaged vehicle should it be non-repairable (total loss). This may be obtained from the rental agency.

Scheduled Departure Date

The date on which you are originally scheduled to leave on the Trip.

Scheduled Return Date

The date on which you are originally scheduled to return to the point of origin or to a different final destination.

Settlement from your Personal Auto Insurance Company under R, R1, R2, R3 Coverage

Your primary auto policy may show that you have one of these aforementioned coverages on your policy. Because this coverage generally alters or eliminates your deductible, we require a settlement from your insurance company to determine the amount, if any, we may cover.

Settlement from your Personal Auto Insurance under the Property Damage Liability Coverage on your Policy

If you are insured in the following states (, ND, MN, RI and NY), your state statutes require personal auto insurance to pay for damages to rental vehicles under liability coverage. We require settlement documentation to determine what additional amounts, if any, we can cover. In the event your insurance company denied your claim, a copy of the denial letter will be required

Settlement from your Personal Auto Insurance

This document outlines the payment made under your primary insurance policy for the damages to the rental vehicle.

Settlement from 3rd Party Driver

A document that outlines the amount paid by an insurance company or third party for the damage to your rental vehicle.

Settlement Response from the Common Carrier

This document outlines the payment made by the common carrier for the claimed loss.  This relates to the Baggage Delay and Lost Luggage benefits. 

Settlement Response from other Insurance

The Settlement Response outlining or declining payment from your insurance carrier.

Severe Weather

Any dangerous meteorological phenomena with the potential to cause major damage, serious social disruption, or loss of human life. Wildfire related smog at the point of origin of the Trip or within the vicinity of an airport, booked lodging, and/or Host at Destination location listed on your travel itinerary for which a health advisory has been issued by the appropriate government agency with jurisdiction to issue such advisory shall also be considered Severe Weather.

Sickness

Means an illness or disease which requires the attendance of a Physician after an Insured Person’s effective date of coverage under the Policy. 

Spouse

Your husband or wife who is recognized as such by the laws of the jurisdiction in which you reside.

Storage Invoice

A document that reflects the dates of storage of the damaged rental vehicle and the costs associated with the storage prior to repair or settlement for damages.

Strike

Labor disagreements that interfere with the normal departure and arrival of a Common Carrier.

Terrorist Activity (as defined in the Trip Cancellation/Interruption benefit)

Multiple Terrorist Incidents or Travel Warnings related to terrorism that have occurred within the 12 months prior to the initial deposit date or booking date of a Trip located within 25 miles of an airport, booked lodging, and/or Host at Destination location listed on Your itinerary.

Terrorist Cell (as defined in the Trip Cancellation/Interruption benefit)

A small unit serving or identifying as part of a larger terrorist organization where the members coordinate for a specific attack against a government or civilian population.

Terrorist Incident (as defined in the Trip Cancellation/Interruption benefit)

The  use or intended use of any bomb, nuclear, biological, or chemical agent dangerous to human life; or any violent act of a single individual resulting in mass casualties; or any violent act of a Terrorist Cell resulting in mass casualties.  The terrorist act must be intended to intimidate or coerce a civilian population; to influence the policy of a government by intimidation or coercion; or to affect the conduct of a government by mass destruction.

Tour Operator (as defined in the Trip Cancellation/Interruption benefit)

An entity which organizes travel components into packaged arrangements for sale directly to the travelling public. 

Towing Invoice

This document must reflect the date of tow, vehicle towed, and an itemized breakdown of all charges (tow, storage, mileage, additional labor, etc.).

Travel Supplier

A Travel Agency, or Tour Operator, or Licensed Provider of Lodging, or rental car agency, or Rented Recreational Vehicle Provider, or commercial recreational excursion provider, or Cruise Line, or occupancy provider, cruise line, airline, railroad or other Common Carriers.

Travel Voucher/Trip Itinerary

A reservation showing rental purchases as package.  If a rental car was part of your travel booking, the itemized travel reservation document, reflecting the items included in the package and amount charged for the rental vehicle, must be provided. This amount must be reflected on the corresponding covered card.

Travel Warning (as defined in the Trip Cancellation/Interruption benefit)

A warning, issued by an Appropriate Authority, that travel is not advisable due to an imminent, credible, and specific terrorist threat. Travel Warning does not include general travel advisories in the absence of an imminent, credible, and specific terrorist threat.

Traveling Companion

An individual who has made advanced arrangements with you to travel together for all or part of the Covered Trip.

Towing invoice

This document must reflect the date of tow, vehicle towed, and an itemized breakdown of all charges (tow, storage, mileage, additional labor, etc.)