-
Copy of the vehicle rental location class specific fleet
utilization log, if loss of use charges are being claimed. You
must secure this log from the rental agency.
•
Any other documentation that may be reasonably requested by
us or our administrator to validate a claim.
PURCHASE ASSURANCE
Evidence of Coverage
Pursuant to the below terms and conditions, when an item you
bought with your covered card is damaged or stolen within
ninety (90) days of purchase, you may be eligible for benefits
under this coverage.
Refer to Key Terms for the definitions of you, your, we, us, our,
and words that appear in bold and Legal disclosures.
A. To get coverage:
•
You must purchase the new item entirely with your covered
card and/or accumulated points from your covered card for
yourself or to give as a gift.
B. The kind of coverage you receive:
•
Most items you purchase entirely with your covered card are
covered if damaged or stolen for ninety (90) days from the
date of purchase as indicated on your covered card’s receipt.
•
Items you purchase with your covered card and give as gifts
also are covered.
•
This coverage is secondary to any other applicable insurance or
coverage available to you or the gift recipient. Coverage is
limited to only those amounts not covered by any other
insurance or coverage benefit.
C. Coverage limitations:
•
Coverage is limited to the lesser of the following:
-
The actual cost of the item (excluding delivery and
transportation costs).
-
A maximum of $1,000 per loss and a total of $25,000 per
cardholder account per twelve (12) month period.
•
Purchases that are made up of a pair or set will be limited to the
cost of repair or replacement of the specific item stolen or
damaged. If the specific item cannot be replaced individually or
repaired, the value of the pair or set will be covered not to
exceed the limits above.
•
Coverage for stolen or damaged jewelry or fine art will be
limited to the actual purchase price as listed on your credit card
statement, regardless of sentimental or appreciated market
value.
D. What is NOT covered:
•
Items left in public sight, out of arm’s reach, lacking care,
custody or control by the cardholder.
•
Lost items, and items that mysteriously disappear (the only proof
of loss is unexplained or there is no physical evidence to show
what happened to the item) without any evidence of a wrongful
act.
•
Items that are stolen from any location or place (including, but
not limited to, exercise facilities, places of employment, schools,
or places of worship) due to the lack of due diligence by you or
another party.
•
Items lost, stolen, damaged, or mis-delivered while under the
care, custody, and control of another party or common carrier
(including, but not limited to, airlines, the U.S. Postal Service,
UPS, FedEx, or other delivery services).
•
Losses due to normal wear and tear, misuse, gradual
deterioration, and/or abuse.
•
Losses resulting from any dishonest, fraudulent, or criminal act
committed or arranged by you.
•
Losses that cannot be verified or substantiated.
•
Items covered by a manufacturer’s recall or class action suit.
•
Items that you damage through alteration (including, but not
limited to, cutting, sawing, shaping).
•
Used or antique items; collectibles of any kind (such as items
designed for people to collect or items that over time become
collectibles); recycled, previously owned, refurbished, rebuilt, or
remanufactured items.
•
Stolen items without a documented report from the police.
•
Items that are damaged during transport via any mode.
•
Items stolen from the interior or exterior of a watercraft/boat,
aircraft, motorcycle, automobile or any other motor vehicles.
•
Motorized vehicles, including, but not limited to, automobiles,
watercraft/boats, aircraft, and motorcycles, or their motors,
equipment, or accessories. Motorized equipment not designed
for transportation and used solely for the upkeep and
maintenance of a residence is eligible for coverage. (including,
but not limited to, snow thrower, lawn mowers, and hedge
trimmers).
•
Land, any buildings (including, but not limited to, homes and
dwellings), permanently installed items, fixtures, or structures.
•
Traveler’s checks, tickets of any kind (e.g., for airlines, sporting
events, concerts, or lottery), negotiable instruments, bullion,
rare, or precious metals, stamps, and coins, currency or its
equivalent.
•
Losses caused by insects, animals, or pets.
•
Plants, shrubs, animals, pets, consumables, and perishables.
•
Items purchased for resale, rental, professional, or commercial
use.
•
Professional services (including, but not limited to, the
performance or rendering of labor or maintenance; repair or
installation of products, goods, or property; professional advice
of any kind, including, but not limited to, information/services or
advice secured from any help or support line; or technical
support for software, hardware, or any other peripherals).
•
Application programs, computer programs, operating software,
and other software.
•
Losses resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); confiscation or damage by any
government, public authority, or customs official; risks of
contraband; illegal activity or acts.
•
Losses caused by power surge, contamination by radioactive or
hazardous substances, including mold.
•
Direct or indirect loss resulting from any Acts of God (including,
but not limited to, flood, hurricane, lightning, and earthquake).
•
Losses caused by liquids, fluids, oils, chemicals, or bodily
fluids/excretions.
•
Game animals, pets, or specimens preserved for display (e.g.,
fish, birds, reptiles, or mammals).
•
Items stolen or damaged at a new home construction site.
•
Rented, leased, or borrowed items for which you will be held
responsible.
•
Trip, service, or diagnostic charges in the absence of any
covered repairs or verified failure.