6/22/2012

できるだけ安くアメリカ国立公園を見てまわる方法 ①

いかに安く旅行をするかというのは、ある特定の一部の人たちを除いて誰もが考えることだと思う。

アメリカ国立公園は、自然保護の目的もあり若干辺鄙な場所にあることが多いため、レンタカーは必須である。

ゆっくりじっくりと国立公園巡りをしたいのであれば、やはり足はレンタカー。私はアメリカ在住なので、これから書く情報は恐らくアメリカ在住者向けになるけど、メモ書き程度に書いていくことにする。

レンタカーの保険:

レンタカー会社の保険に加入するとなると、レンタカー料金よりも保険料金のほうが高くなったりする。何しろ全て込みにすると1日30ドルほどかかってしまう。数日ならまだしも、1週間借りるとなるとかなりの金額だ。

ここでオススメなのがAMEXカード。

アメリカ在住であれば、一番手っ取り早いのがCostcoのAMEXカード。Costcoメンバーシップは年間で$55だけど、AMEXカードの年間手数料は取られない。ある程度のクレジットスコアがあれば普通に取得できるクレジットカードである。キャッシュバックもあるので使いやすい。

AMEXカードには、Premium Rental Protectionというものがあり、1回のレンタカーにつき$19.95もしくは$24.95払えば最大で42日間Primaryでカバーされるというオプションがある。$19.95のオプションは$75,000まで、$24.95のオプションは$100,000までカバーしてくれる。

通常、クレジットカードの保険はPrimaryではなくSecondaryとして適用されるケースが圧倒的に多い。このPrimary、Secondaryは何なのかというと、もし万が一事故で保険が適用されることになった場合、Secondaryだと自分が加入している自動車保険がまず適用され、払いきれなかった部分がクレジットカードの保険でカバーされることになる。

ここでのデメリットは、自分の自動車保険を使った場合、必ずと言っていいほどPremiumが上がることだ。州によっても異なるけど、通常その記録は3~5年は残るため、保険料は上がり、保険会社の切り替えも難しくなる。

そのため、Secondaryは、あまり意味を成すものではないと思う。

クレジットカードがPrimaryでカバーしてくれる場合、まずクレジットカードの保険が適用されるため、自分の自動車保険を使わずに済む。控除免責金額(Deductible)も払う必要はない。

何しろ、レンタル日数に限らず1回のみの料金というのが魅力的である。このAMEXの保険を使いたい場合は、事前にAMEXに問い合わせて、レンタルする前にサービスに加入しておく必要がある。レンタカー会社から車を借りると、自動的に保険料がカードに請求される仕組みだ。

ただし、このPremium Rental Protectionはレンタカー会社が提供しているCDW(Collision Damage Waiver)と同等のサービスのみを提供しているため、Liability (Uninsured motorist)などは対象外となっている。心配な場合は、Liabilityだけ加入させてもらうこともできると思う。過去にレンタルした時にも、Liabilityだけ加入するかと聞かれたけれど、自分の自動車保険があるからいらないと丁寧にお断りした。

以下は、誰も読まなそうな、何をカバーして何をカバーしないかなどが記載されている細かいルールである。こういうのにも目を通しておいたほうが安心である。

PREMIUM CAR RENTAL PROTECTION DETAILS
Premium Car Rental Protection (PCRP) is insurance coverage offered to American Express® Cardmembers to help protect them and Passengers when the Cardmember uses an enrolled Card to pay for a Car Rental from a Rental Company. Coverage includes 1) reimbursement for damage to or theft of the Rental Auto and personal property, and 2) medical expenses and death and dismemberment benefits resulting from a Covered Accident. Coverage is worldwide except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.
Enrollment is available to Consumer and Small Business Cardmembers residing in the 50 United States of America or the District of Columbia. Corporate Cardmembers are not eligible.
What the Plan CoversThe $100,000 coverage level with a premium of $24.95 covers:Up to $100,000 of primary damage and theft coverage for the rental car.• Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage.• Up to $15,000 per person of excess coverage for Medical Expenses.• Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all. For Florida Residents, up to $15,000 per person of excess coverage for personal property, maximum of $25,000.
The $75,000 coverage level with a premium of $19.95 covers:• Up to $75,000 of primary damage and theft coverage for the rental car.• Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage.• Up to $7,500 per person of excess coverage for Medical Expenses.• Up to $2,500 per person of excess coverage for personal property, maximum of $5,000 for all.
For California ResidentsThe $100,000 coverage level with a premium of $17.95 covers:• Up to $100,000 of primary damage and theft coverage for the rental car.• Up to $250,000 of Accidental Death and Dismemberment (AD&D) coverage.•Up to $15,000 per person of excess coverage for Medical Expenses• Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all.
PremiumThere is no cost to enroll in Premium Car Rental Protection, and there are no monthly, annual, or cancellation fees. The Cardmember pays a flat fee of $19.95 or $24.95 per rental ($17.95 for California residents) each time a rental car is charged to his or her enrolled American Express Card, until coverage is terminated. The flat rate covers the duration of the rental, for up to 42 consecutive days (up to 30 consecutive days for Washington Cardmembers).
Vehicles Covered by the PlanThe Plan covers most vehicles typically available from a Rental Company, from smaller economy sizes to large luxury sedans, convertibles, exotic cars (worth more than $50,000), minivans, vans, pickup trucks, and full-sized SUVs. The vehicle must be rented from a Rental Company, which is a commercial rental agency that rents passenger-type motor vehicles, but it does not include a company whose primary business is something other than renting cars, such as an auto body shop or a moving van company. Excluded vehicles include: automobiles that have been customized or modified from the manufacturer's factory specifications, except for driver's assistance equipment for the physically challenged; any rented vehicle used for hire or commercial purposes; antique cars (cars over 20 years old or cars that have not been manufactured for over 10 years); limousines; and off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, golf or motorized carts, campers, moving trucks or moving vans, and trailers. Vehicles covered may vary by state. Please see your Plan documents.
Determining coverage of personal car insurance or business insuranceIt's possible that a Cardmember's personal car insurance or business insurance might cover these types of losses. However, here are a few things to keep in mind: •Premium Car Rental Protection is primary insurance of theft of and damage to the rented vehicle, which means enrollees won't have to use their own insurance first, or pay a deductible.• Also, insurance policies often vary in their coverage of rental cars, or out-of-state or international driving. Cardmembers should check personal policies carefully to see whether they're covered for rental cars. But this plan covers enrollees almost anywhere in the world.
Coverage is automatically extended to other American Express CardsIf you are the Basic Cardmember, your other American Express Card accounts, and any Additional Cards issued on those accounts, are automatically enrolled in the Premium Car Rental Protection Plan. Any Card accounts issued to you in the future, and Additional Cards on those accounts, will also be enrolled. Cards that are not enrolled include Corporate Cards, Additional Cards enrolled independently, Additional Cards issued to you on someone else's account, and any Card issued by a third-party bank partner of American Express. If you are the Additional Cardmember, coverage does not extend to other accounts you may have. You are only covered on the account on which you have been issued the Additional Card.
Provider of Premium Car Rental ProtectionPremium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
When identifying insurance products that may be of interest to you, American Express may act on behalf of the insurance company and receive compensation that may vary by company and product. American Express may also receive additional financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products.

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