This benefit applies to the costs for your unused travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable, or where you are charged a fee to change them.

1)    You will be paid up to US$ 20,000 if you cancel, postpone, change or abandon your trip, due to:

a) You, or a person travelling with you, or a person you are visiting for the main purpose of your trip, having an accident, being taken ill or dying before your trip;

b) Your close relative, or a close relative of a person travelling with you, or a close relative of a person you are visiting for the main purpose of your trip, having an accident, being taken ill or dying before your trip;

c) Your redundancy which qualifies for redundancy payments under current legislation;

d) You being called for jury service or being subpoenaed as a witness other than in a professional or advisory capacity;

e) Unforeseen severe damage to your home or your business premises if the damage caused is likely to be more than US$ 40,000;

f) Theft at your home or your business premises that requires your presence by the police;

g) A delay of more than 24 hours on the outward leg of your trip as a result of industrial action, adverse weather, mechanical breakdown of public transport, or a transportation accident which means you no longer want to go on your trip. The period of delay is reduced to 12 hours for trips less than 5 days.

SPECIAL EXCLUSIONS

1)  Cancellation claims arising directly or indirectly from circumstances known to you prior to booking your trip.

2)  Cancellation claims arising directly or indirectly from circumstances known to you when you apply for your Centurion Card and any Cards on your Account.

3)  Additional costs incurred if you fail to notify the providers of your travel, accommodation, excursions and leisure activities immediately it is necessary that you cancel your trip.

4)  Claims where you are unable to supply a medical certificate from the appropriate medical practitioner, who is not a close relative, confirming the medical condition which made it necessary to cancel your trip.

5)  Anything mentioned in General Exclusions on 11.

1)     If you cut short your trip,you will be paid reasonable travel costs for you to return home, and to resume your trip, and up to US$ 20,000 for the unused costs of your travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable, due to:

a)  You, or a person travelling with you, or a person you are visiting for the main purpose of your trip, having an accident, being taken ill or dying;

b)  Your close relative, or a close relative of a person travelling with you, or a close relative of a person you are visiting for the main purpose of your trip, having an accident being taken ill or dying;

c)  Unforeseen severe damage to your home or your business premises if the damage caused is likely to be more than US$ 40,000;

d)  Theft at your home or your business premises that requires your presence by the police.

2)    If as a result of the damage or theft at your home or your business premises causing you to cut short your trip, you will be paid up to US$ 500 for parts, labour and call out charges to render your home safe and secure and avoid any further damage prior to your return home.

SPECIAL EXCLUSIONS

1)  Claims where you are unable to supply a medical certificate from the appropriate medical practitioner confirming the medical condition which made it necessary to cut short your trip.

2)  Subsequent claims arising from the same fault or event where the original fault has not been properly repaired.

3)  Costs if they are covered by your home insurance.

4)  Anything mentioned in General Exclusions on page 11. 

All the following travel, refreshment and accommodation costs, and the purchase or hire of essential items must be charged to your American Express Card while on a trip. If you are not a Cardmember or not travelling with a Cardmember, another payment method may be used, but receipts must be kept.

1)     You will be reimbursed up to US$ 400 per person for additional travel, refreshment and accommodation costs prior to your actual departure if:

a)  Missed departure:  You miss your flight, train or ship due to an accident or breakdown of your vehicle, or an accident, breakdown or cancellation of public transport          and no alternative is made available within 4 hours of the published departure time;

b)  Delay, cancellation or overbooking:  Your flight, train or ship is delayed, cancelled, or overbooked and no alternative is made available within 4 hours of the published departure time;

c)  Missed connection:  You miss your connecting flight, train or ship and no alternative is made available within 4 hours of the published departure time.

2)     You will be reimbursed for the purchase or hire of essential items up to:

d)  Baggage delay:  US$ 500 per person if your checked in baggage has not arrived at your destination airport within 4 hours of your arrival;

e)  Extended baggage delay:  An additional US$ 500 per person if your checked in baggage has still not arrived at your destination airport within 48 hours of your arrival.

SPECIAL EXCLUSIONS

1)  Additional costs where the airline, train or ship operator has offered alternative travel arrangements and these have been refused.

2)  Baggage delay or extended baggage delay on the final leg of your return flight.

3)  Under baggage delay and extended baggage delay, items that are not immediately necessary for your trip.

4)  Failure to obtain a Property Irregularity Report from the relevant airline authorities of missing baggage at your destination.

5)  Where you voluntarily accept compensation from the airline in exchange for not travelling on an overbooked flight.

6)  Anything mentioned in General Exclusions on page 11. 

These benefits will apply while on a trip, for all drivers, up to a maximum of 5, named on your rental agreement.  Benefits only apply where the rental company allows you to decline the purchase of additional or optional insurances from the rental company.

1)     If your rental vehicle is stolen or damaged, the Insurer will pay any amounts you are responsible for under the rental agreement, including the excess. This will apply whether or not you are responsible for the accident.  You will be paid no more than the value of the rental vehicle up to US$ 50,000 in respect of any one accident or occurrence.

2)     Following an accident involving your rental vehicle, the Insurer will appoint a lawyer to control and be responsible for all legal proceedings.

3)     As a result of this benefit you do not need to purchase additional or optional insurances from the rental company which include:

a)  Collision Damage Waiver (CDW)

b)  Loss Damage Waiver (LDW)

c)  Removal/reduction of excess (Super CDW/LDW)

d)  Theft Protection (TP)

e)  Personal Accident (PA) (see Personal Accident Benefit, page 8)

SPECIAL EXCLUSIONS

1)  The Insurer will only pay in excess of any insurance which is included in the rental agreement.

2)  You may have no more than one rental agreement at any one time.

3)  Use of the rental vehicle outside the terms of the rental agreement.

4)  Mopeds and motorbikes, commercial vehicles, trucks, motor homes, and vehicles not licensed for road use including but not limited to trailers or caravans.

5)  Vehicles used off-road, in or in-training for, racing competitions, trials, rallies or speed testing.

6)  Anything mentioned in General Exclusions on page 11.

CLAIMS PROCESS

If your rental vehicle is stolen or damaged and you are liable for charge(s), including the excess charge, by the rental company. Please contact us directly to set up a claim and we will advise on the next steps of how to proceed:

How to make a claim:

In order to report a claim or make a query, please contact our claims representative on (+971) 4 5096111. 

Alternatively you can email the following address where the claim will be created and forms sent to you to be completed: myclaim@aig.com

This benefit applies to Your Mobile Phone against the following,

We will not cover costs or losses:

1. Accidental Damage

    

   In case of Accidental Damage to Your Mobile Phone, We will pay for the cost, up to an amount not exceeding lesser of the Purchase Price or US$ 1,000, to:

   1. Repair the Mobile Phone; or
   2. Replace the Mobile Phone with a replacement product.
   
   

2. Theft

    

   In case of Theft of Your Mobile Phone, We will reimburse You for, at our sole discretion, a replacement of the Mobile Phone with a replacement product that does not exceed lesser of the Purchase Price of stolen Mobile Phone or US$ 1,000.

    

   SPECIAL CONDITIONS

    
   1. We will cover costs or losses exceeding the first US$ 50 of a claim;
   2. The coverage provided for Mobile Phone is limited to two (2) Incidents per Policy Period;
   3. Cardmembers must make the Mobile Phone mobile bill payment using the Centurion card for two (2) consecutive preceding months in which the Accidental Damage or Theft occurred;
   4. The coverage provided for Mobile Phone is limited to Incident occurring inside Your Country of Residence;
   5. Upon recovery of items that were Stolen or replaced as a result of Accidental Damage, those items will become Our property and You must provide those items to Us;
   6. In cases of Accidental Damage to Mobile Phone, You shall not repair the Mobile Phone without Our prior written consent.
    

   SPECIAL EXCLUSIONS

    
   1. caused by the process of cleaning, servicing, maintaining, adjusting, repairing or misusing Mobile Phone;
   2. caused by any Natural Catastrophe, atmospheric or climatic conditions, fire, flood, normal wear and tear, manufacturing defects, abuse, vermin or insects, termites, mould, wet or dry rot, bacteria, rust, intentional physical damage or negligence;
   3. due to non-operating and cosmetic damage such as damage to paintwork, product finish, dents or scratches
   4. of accessories or any consumable part related to the operation of Mobile Phone, including, but not limited to, hands-free equipment, chargers, batteries, complementary cards and any accessory that is secondary to Mobile Phone;
   5. due to, or related to, a nuclear, biological or chemical event(s);
   6. resulting from a failure of Mobile Phone, or any part thereof, itself caused by an electrical or a mechanical defect;
   7. Theft not reported to the police within 48 hours of discovery and a written report obtained;
   8. resulting from leaving Mobile Phone, unattended in any place, Motor Vehicle, building or public place where it is, or was, visible from the outside;
   9. resulting from fraudulent calls, made with Mobile Phone;
   10. resulting from text messages, or data, sent from, or received, on Mobile Phone following a Theft;
   11. resulting from any fraudulent/unauthorized charges, withdrawals, and/or bank transfers made on the Centurion card(s);
   12. resulting from the Mysterious Disappearance of Mobile Phone;
   13. caused by Your illegal acts or those of a Close Relative;
   14. that You have intentionally caused;
   15. that result from the intentional actions of a Close Relative, or actions that a Close Relative knew of or planned;
   16. related to compensation for time taken from self-employment, or workdays that will be paid by Your employer, in order to correct Your financial records that have been altered due to Identity Theft;
   17. due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalisms of any kind; or
   18. due to the order of any government, public authority, or customs official.

This benefit applies to your personal belongings which you take, purchase or hire while on your trip; your valuables, money and travel documents provided that they are kept on you at all times, locked in a safe, or in a locked storage area of a vehicle.

1)     If your personal belongings, money and travel documents are lost, stolen or damaged, you will be paid up to:

a)  US$ 3,500 in total per trip;

b)  US$ 700 for the current value of or cost to repair any item, or any pair or set of items which are complimentary or used together;

c)  US$ 1,000 for money and travel documents limited to US$ 50 for children under 16.

2)     In an emergency the Insurer can advance you cash up to US$ 3,000.

3)     The Insurer will provide advice, assistance where possible and any shipment costs in replacing emergency items that are lost, stolen or damaged including glasses, contact lenses, prescriptions, and travel documents necessary for you to continue your trip or return home.

4)     You will be paid any additional travel and accommodation costs, and consulate fees, necessary to replace travel documents for you to continue your trip, or return home.

SPECIAL EXCLUSIONS

1)  Normal wear and tear.

2)  Lost, stolen or damaged personal belongings where you have failed to take sufficient care of them or have left them unsecured or outside your reach.

3)  Loss or theft not reported to the police or provider of your transport or accommodation within 48 hours and a report obtained.

4)  Damage to personal belongings whilst in the care of a transport provider which has not been reported within 48 hours and a report obtained.

5)  Theft of or damage to vehicles, or items in a vehicle where there is no evidence of break in.

6)  Any documents other than travel documents.

7)  Damage to fragile or brittle items.

8)  Household goods.

9)  Theft from a roof or boot luggage rack, other than theft of camping equipment.

10)  In respect of money, any shortages due to errors and currency fluctuations.

11)   Anything mentioned in General Exclusions on page 11. 

Provides cover for necessary medical, surgical and hospital costs during a trip. Up to US$5,000,000

This benefit applies to accidents caused by a sudden identifiable violent external event that happens by chance.

1)     You will be paid US$ 75,000 if you have an accident on your trip which within 365 days causes:

a)  Death;

b)  The complete and permanent loss of use of any limb;

c)  The entire and irrecoverable loss of your sight, speech or hearing; 

d)  Permanent disablement confirmed by the Insurer’s Senior Medical Officer that has lasted for at least 12 months preventing you from continuing any occupation and where there is no reasonable chance of recovery.

2)     The maximum amount that you will be paid is US$ 75,000 per trip.

3)     The benefit amount is increased to US$350,000, if the accident occurs while you are on a public vehicle on your trip.

4)     The maximum amount you will be paid is US$ 75,000 per trip, unless you are on public vehicle where the maximum amount is US$ 350,000 per trip.

5)     The benefit amount for death is reduced to US$ 15,000 for children under 16.

SPECIAL EXCLUSIONS

1)  No benefits will apply for accidents on or involving vehicles chartered or hired privately.

2)   Anything mentioned in General Exclusions on page 11. 

1)     Legal defence costs and compensation you are liable for:  Following an accident on your trip, if a claim is made against you and you are found legally liable for injuring another person or damaging their property and possessions, the Insurer will pay:

a)  Legal defence costs up to US$ 50,000;

b)   Compensation up to US$ 1,000,000 arising directly or indirectly from one cause;

c)   An economy flight or standard rail ticket if you have to attend a court.

2)     Legal costs in pursuit of compensation:  If you have an accident or you are ill during your trip, and decide to seek compensation, the Insurer will pay:

a)  Legal costs up to US$ 50,000;

b)  An economy flight or standard rail ticket if you have to attend a court.

3)     Legal Proceedings:  The Insurer will appoint a lawyer to control and be responsible for all legal proceedings.

4)     Interpreter Fees:  The Insurer will arrange and pay for an interpreter to assist in legal cases.

5)      If legal proceedings are successful any legal costs and expenses are to be reimbursed as part of any financial awards received.

SPECIAL EXCLUSIONS

1)  Any costs where you admit liability, negotiate, make any promise or agree any settlement.

2)  Legal costs in pursuit of compensation where the Insurer thinks there is not a reasonable chance of you winning the case or achieving a reasonable settlement.

3)  Claims made against you, by your family, or any Cardmembers on your Centurion Card Account and their families, or anyone who works for you.

4)  Claims made by you, against your family, or any Cardmembers on your Centurion Card Account and their families, or anyone who works for you.

5)  Claims made by you against AMEX (Middle East) B.S.C. (c), the Insurer, a travel agent, tour operator or carrier.

6)  Liability as a result of damage to property and possessions which are under your care or responsibility during your trip.

7)  Liability you incur solely as a result of a contract you have entered into.

8)  Claims caused directly or indirectly by ownership, possession or use of motorised vehicles, aircraft, watercraft or firearms, or animals. (If you rent a car, you may be entitled to receive liability benefits.  Please refer to Car Rental Benefits Page 7).

9)  Claims caused directly or indirectly in connection with land or buildings which you own or are using except as temporary holiday accommodation.

10)  Claims arising directly or indirectly in connection with any business, profession or trade activity.

11)  Any fines and punitive damages.

12)  Costs relating to inquests, application for review of a judgment or legally binding decision.

13)  Anything mentioned in General Exclusions on page 11.