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Coign Card Benefits Guide
Contents
Purchase Security ............................................................................................................................. 1
Extended Warranty Protection ........................................................................................................ 6
Cellular Telephone Protection ........................................................................................................ 10
Auto Rental Collision Damage Waiver ........................................................................................... 15
Roadside Dispatch® ...................................................................................................................... 20
Your Guide to Benefit describes the benefit in effect as of 4/15/21. Benefit information in this
guide replaces any prior benefit information You may have received. Please read and retain
for Your records. Your eligibility is determined by Your financial institution.
Purchase Security
Life is full of surprises… some good surprises; and some, not so good.
For instance, Your son’s brand-new iPad got soaked, in a sudden rainstorm at summer camp. But, You
bought the item with Your card so, You may be covered.
Purchase Security protects new retail purchases made with Your eligible Account and/or rewards program
associated with Your covered Account within the first ninety (90) days from the date of purchase. To be
eligible for this coverage, You need to purchase either a portion or the entire cost of the item using Your
Account and/or rewards program associated with Your covered Account.
At the Benefit Administrator’s discretion, this benefit replaces, repairs, or reimburses You, up to the total
purchase price of Your item for a maximum of one thousand dollars ($1,000.00) per claim and ten thousand
dollars ($10,000.00), per cardholder, in the event of theft or damage.
You are eligible for this benefit if You are a cardholder of an eligible card issued in the United States.
Gifts purchased for friends and family members may also be covered if they are purchased with Your covered
Account and/or rewards program associated with Your covered Account.
Purchase Security covers
Eligible items of personal property purchased with Your Account and/or rewards program associated with
Your covered Account are covered for damage or theft. Purchases made outside the United States are also
covered as long as You purchased the item with Your covered Account and/or rewards program associated
with Your covered Account.
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Purchase Security does not cover
• Animals and living plants
• Antiques or collectible items
• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or
accessories, including trailers and other items towable or attachable to any motorized vehicle
• Broken items, unless the result of a covered occurrence
• Computer software
• Items purchased for resale, either professional or commercial use
• Items that are lost, or that “mysteriously disappear,” meaning they vanished in an unexplained
manner, with no evidence of wrongdoing by one person or several
• Items under the control and care of a common carrier (including the U.S. Postal Service, airplanes,
or a delivery service)
• Items in Your baggage (unless hand carried, or under Your supervision or that of a companion You
know); includes jewelry and watches, among other things
• Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection,
terrorist activities, and more); confiscation by authorities (if contraband or illegal); normal wear and
tear; flood, earthquake, radioactive contamination; damage from inherent product defects
• Theft or damage from misdelivery, or voluntarily parting with property
• Medical equipment
• Perishable or consumable items, including cosmetics, perfumes, rechargeable batteries, among
others
• Real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage
doors and openers, ceiling fans, among other items
• Rented and leased items
• Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments
• Items used or pre-owned (Refurbished items will not be considered used or pre-owned as long
accompanied by a warranty)
• Losses caused by or resulting from a Cyber Incident
Filing a Purchase Security claim
Call the Benefit Administrator at 1-800-553-4820, or call collect outside the U.S. at 1-303-967-
1096, within sixty (60) days of the damage or theft (if You wait longer, coverage may be denied).
The Benefit Administrator will ask for some preliminary claim information, answer Your questions and send
You a claim form. When You submit Your claim, be sure to include all information regarding Your claim
including the time, place, cause and the amount to either replace or repair the item.
If You have insurance (homeowner’s, renter’s, car, employer or any other), You are required to file a claim
with Your insurance company and to submit a copy of any claim settlement from Your insurance company
along with Your claim form. Purchase Security provides coverage on an “excess” coverage basis, meaning it
does not duplicate coverage, but pays for a loss only after valid and collectible insurance or indemnity
(including, but not limited to, homeowner’s, renter’s, automobile, or employer’s insurance policies) has been
exhausted. At that point, Purchase Security will cover the loss up to the amount charged to Your eligible
Account, subject to the terms, exclusions, and limits of liability of the benefit.
This benefit also pays for the outstanding deductible portion of Your insurance or indemnity for eligible
claims. The maximum total limit of liability is up to one thousand dollars ($1,000.00) per claim occurrence
and ten thousand dollars ($10,000.00) per cardholder. You will receive no more than the purchase price as
recorded on the eligible card receipt.
When a protected item is part of a pair or set, You will receive no more than the value (as described above) of
the particular part or parts, stolen or damaged, regardless of any special value that item may have as part of
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such a pair or set, and no more than the proportionate part of an aggregate purchase price of such pair or set.
For faster filing, or to learn more about Purchase Security, visit
www.cardbenefitservices.com
Gift recipients may file their own claims, if they have the necessary substantiating documents.
Please submit the following documents:
• Your signed and completed claim form
• A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your eligible Account and/or rewards program
associated with Your covered Account
• If more than one method of payment was used, please provide documentation as to additional
currency, voucher, points or any other payment method utilized
• A copy of the itemized store receipt demonstrating that the purchase was made on Your eligible
Account and/or rewards program associated with Your covered Account
• Copy of the documentation of any other settlement of the loss (if applicable)
• If the item is repairable, the estimate of repair OR a copy of the paid receipt/invoice for the repairs,
indicating the type of damage to the claimed item (if applicable)
• Copy of the police report (made within forty-eight [48] hours of the occurrence in the case
of theft), fire report or incident report to substantiate the loss. If the loss was not reported, please
provide a replacement receipt or other sufficient proof of loss deemed eligible solely by Your Benefits
Specialist (if applicable)
• Any other documents necessary to substantiate Your claim
In some cases of damage, You will be asked to send, at Your expense, the damaged item along with Your
claim in order to substantiate the claim, so make sure to keep the damaged item in Your possession.
PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit is the purchase price of the
item, not to exceed the coverage limit.
Please return Your signed and completed form with all documentation within ninety (90)
days of the date of theft or damage.
How will I be reimbursed?
Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one of
two ways:
• A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be replaced. Typically,
You will receive notice about this decision within fifteen (15) days upon receipt of Your claim
documentation.
• You may receive payment to replace Your item, an amount not more than the original purchase price,
less shipping and handling charges, up to one thousand dollars ($1,000.00) per claim and ten
thousand dollars ($10,000.00) per cardholder. You will only be reimbursed up to the dollar amount
to replace or repair the item or the program limit, whichever is less. Under normal circumstances,
reimbursement will take place within five (5) business days.
Definitions
Account means Your credit or debit card Accounts.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
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or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Covered Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data or Covered Purchase;
(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Covered
Purchase during the manufacturing process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of a Covered Purchase to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or
rewards program associated with their covered Account.
You or Your means an Eligible Person who used their eligible Account to purchase the item and/or rewards
program associated with their covered Account.
Additional provisions for Purchase Security
• Signed or pinned transactions are covered as long as You use Your eligible Account to secure the
transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for
such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
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made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #PSECALLPER 1K 2021 (04/21) PPS-O
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-553-4820, or call collect outside the U.S. at 1-303-967-1096.
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Extended Warranty Protection
Product warranties can be inconvenient and cumbersome to use. Let’s say You purchased a great gadget
about a year ago, but it just stopped working, and You can’t find Your sales receipt and warranty information.
For all too common situations like these, Extended Warranty Protection can help.
Extended Warranty Protection provides You with valuable features that help You manage, use and extend the
warranties for eligible items purchased on Your covered Account and/or rewards program associated with
Your covered Account. Services include Warranty Registration and Extended Protection. You are eligible
for this benefit if You are a cardholder of an eligible card issued in the United States and You
purchase either a portion or the entire cost of the item using Your Account and/or rewards program
associated with Your covered Account.
Here’s how Warranty Registration works
When You purchase an eligible item that carries a manufacturer’s warranty, You can register Your purchase
by calling 1-800-551-8472 or call collect outside the U.S. at 1-303-967-1096. You can also register
Your purchase online at www.cardbenefitservices.com.
The Benefit Administrator will tell You where to send Your item’s sales receipt and warranty information, so
they can be kept on file should You need them.
If You choose not to register Your item, be sure to keep Your monthly billing statement reflecting the
purchase, the itemized sales receipt, the original manufacturer’s written U.S. warranty and any additional
warranty in a safe place. These documents will be required to verify Your claim.
Here’s how Extended Protection works
Your warranty coverage can be doubled up to one (1) additional year on eligible warranties of three (3) years
or less. For example, a manufacturer’s warranty of three (3) months would be provided with an additional
three (3) months of coverage for a combined total of six (6) months of coverage, and a warranty for six (6)
months would be provided with an additional six (6) months of coverage for a combined total of twelve (12)
months of coverage. However, if the manufacturer’s warranty is for three (3) years, it would only be extended
one (1) additional year for a combined total of four (4) years of coverage.
This benefit is limited to no more than the original price of the purchased item (as shown on Your
credit card receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00)
per claim, and fifty thousand dollars ($50,000.00) per cardholder.
The benefit covers purchases made both inside and outside the U.S. The eligible item must have a valid
original manufacturer’s U.S. repair warranty of three (3) years or less, store-purchased dealer warranty, or an
assembler warranty.
What Extended Protection does not cover
• Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or
accessories, including trailers and other items that can be towed by or attached to any motorized
vehicle
• Any costs other than those specifically covered under the terms of the original manufacturer’s
written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
• Items purchased for resale, professional, or commercial use
• Real estate and items which are intended to become part of real estate including, but not limited to,
items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
• Rented or leased items
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• Computer software
• Medical equipment
• Used or pre-owned items (Refurbished items will be covered as long as it has a warranty with it and
would not be considered used or pre-owned.)
• Losses caused by or resulting from a Cyber Incident.
Filing an Extended Protection claim
To file a claim, call the Benefit Administrator at 1-800-551-8472 or call collect outside the U.S. at 1-
303-967-1096, immediately after the failure of Your covered item. Please note if You do not notify the
Benefit Administrator within sixty (60) days of product failure, Your claim may be denied.
The Benefit Administrator will request preliminary claim information, direct You to the appropriate repair
facility, and send You the claim form. Gift recipients of eligible items are also covered, but they must provide
all the documents needed to substantiate their claim.
If You received or purchased a service contract or an extended warranty when You purchased Your item, this
benefit will be supplemental to, and in excess of, that coverage.
What You must submit to file a claim
Fill out and sign the claim form the Benefit Administrator sent You, then submit the form within ninety
(90) days of the product failure, along with the following documents:
• A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your eligible Account and/or rewards program
associated with Your covered Account
• If more than one method of payment was used, please provide documentation as to additional
currency, voucher, points or any other payment method utilized
• A copy of the itemized sales receipt
• A copy of the original manufacturer’s written U.S. warranty, and any other applicable warranty
• A description of the item and its serial number, and any other documentation deemed necessary to
substantiate Your claim (this includes bills and, if necessary, a copy of the maintenance record and
receipts)
• The original repair estimate or repair bill, indicating cause of failure
• Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
All claims must be fully substantiated.
For faster filing, or to learn more about Extended Warranty Protection, visit
www.cardbenefitservices.com
How You will be reimbursed
If You have substantiated Your claim and met the terms and conditions of the benefit, Your item will be
replaced or repaired at the Benefit Administrator’s discretion, but for no more than the original
purchase price of the covered item, as recorded on Your credit card receipt, less shipping and handling fees,
up to a maximum of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars
($50,000.00) per cardholder. You will only be reimbursed up to the amount charged to Your Account or the
program limit, whichever is less.
Under normal circumstances, reimbursement will occur within five (5) business days of the receipt and
approval of all required documents.
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If Your item is to be repaired, You may go to an authorized repair facility and file a claim for reimbursement.
Only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered.
In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the
obligation under this benefit.
Definitions
Account means Your credit or debit card Accounts.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or a Covered Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data or Covered Purchase;
(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Covered
Purchase during the manufacturing process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of a Covered Purchase to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or
rewards program associated with their covered Account.
You or Your means an Eligible Person who purchase their item to their eligible Account and/or rewards
program associated with their covered Account.
Additional provisions for Extended Protection
• Signed or pinned transactions are covered as long as You use Your eligible card to secure the
transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for
such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
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• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide will not
apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #EWP 10K-50K-3YR – 2021 (04/21) WM-O
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-551-8472 or call collect outside the U.S. at 1-303-967-1096.
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Cellular Telephone Protection
Cell phones have become an everyday necessity for the average person, which means if Your cell phone is
damaged or stolen, getting it repaired or replaced is not optional.
Fortunately, Cellular Telephone Protection is available which provides coverage for damage to, theft of, or
involuntary and accidental parting of Your cell phone. An involuntary and accidental parting is the
unintended separation from Your cell phone when its location is known, but recovery is impractical to
complete. This benefit is available if You are a valid cardholder of an eligible U.S. issued card enrolled in the
Cellular Telephone Protection benefit and You charge Your monthly cellular wireless phone bills to Your
eligible card for the billing cycle before the month in which the incident occurs. Eligible cell phones are the
lines listed on Your most recent cellular wireless service provider’s (“cell phone provider”) monthly billing
statement for the billing cycle prior to when the incident occurred.
What is covered?
This benefit is supplemental coverage, which means that it will reimburse You for theft of, damage to or
involuntary and accidental parting of Your cell phone not otherwise covered by another insurance policy (for
example; cell phone insurance programs, or Your homeowner’s, renter’s, automobile, or employer’s
insurance policies).
If You do have personal insurance that covers theft, damage or involuntary and accidental parting for Your
cell phone, this benefit reimburses You for the deductible portion of Your cell phone insurance.
If You do not have personal insurance, the benefit reimburses You for the covered theft, damage, or
involuntary and accidental parting for Your cell phone.
Once all other insurance has been exhausted, Cellular Telephone Protection will provide coverage up to $250
per claim with a maximum of two (2) claims and $500.00 per twelve (12) month period. If it is determined
that Your cell phone requires replacement due to the theft of, damage to or an involuntary or accidental
parting of the device, You will receive the replacement value subject to the fifty dollar ($50.00) deductible
and the benefit maximum. The replacement value is the lesser of Your cellular wireless service provider’s
suggested retail value of a similar model replacement cell phone or the actual cost to replace the cell phone.
If Your cell phone is repairable, You will receive an amount as determined by the diagnostic to repair the cell
phone subject to the benefit maximum and fifty-dollar ($50.00) deductible.
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no
evidence of physical damage, are not covered under this program.
When does it apply?
Cellular Telephone Protection applies when You make Your monthly cellular wireless phone bill payment
with Your eligible card. Coverage begins the first day of the calendar month following a payment of the
cellular wireless phone bill.
If You fail to make a cellular wireless phone bill payment in a particular month, Your coverage will be
suspended. Coverage will resume on the first day of the calendar month after the date of any future cellular
wireless phone bill payment made with the eligible card.
If Your cell phone is stolen as a result of criminal activity, You must file a police report within
forty-eight (48) hours of the event.
What is not covered?
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This benefit will not provide reimbursement for the following:
• Cell phone accessories other than
standard battery and/or standard antenna
provided by the manufacturer
• Cell phones purchased for resale,
professional, or commercial use
• Cell phones that are lost or “mysteriously
disappear,” meaning that the phone
vanished in an unexplained manner
without evidence of a wrongful act by a
person or persons
• Cell phones under the care and control of
a common carrier (including, but not
limited to, the U.S. Postal Service,
airplanes, or delivery service)
• Cell phones stolen from baggage unless
hand-carried and under Your personal
supervision, or under supervision of Your
traveling companion
• Cell phones which have been rented,
borrowed or are part of pre-paid or “pay
as you go” type plans
• Cosmetic damage to the cell phone or
damage that does not impact the cell
phone’s capabilities and functionalities
• Damage or theft resulting from abuse,
intentional acts, fraud, hostilities of any
kind (including, but not limited to, war,
invasion, rebellion, or insurrection),
confiscation by the authorities, risks of
contraband, illegal activities, normal wear
and tear, flood, earthquake, radioactive
contamination, or damage from inherent
product defects
• Damage or theft resulting from
misdelivery or voluntary parting with the
cell phone
• Taxes, delivery and transportation
charges, and any fees associated with the
cellular wireless service provider
• Losses caused by or resulting from a
Cyber Incident
How to file a Cellular Telephone Protection claim
• Within sixty (60) days of the date of the damage or theft, notify the Benefit Administrator at
1-866-894-8569 or outside the U.S. call collect at 1- 303-967-1096. The Benefit
Administrator will ask You some preliminary questions and send You the appropriate claim form.
Please note, if You do not notify the Benefit Administrator within sixty (60) days after
the damage or theft, Your claim may be denied.
• Return the completed, signed claim form and the requested documentation below
within ninety (90) days of the date of the damage or theft to the address provided by
the Benefit Administrator.
For faster filing, or to learn more about Cellular Telephone Protection, visit
www.cardbenefitservices.com
Please submit the following documents:
• The completed signed claim form
• A copy of Your cellular wireless service provider billing statement demonstrating that the entire monthly
payment for the cellular wireless phone bill was made the month prior to the date of damage or theft and
has been paid with the eligible card.
• If Your cellular wireless service provider’s billing statement doesn’t show payment with the eligible card,
a copy of Your card monthly billing statement that corresponds with the above cellular wireless phone
monthly billing statement
• A copy of the device summary page from Your cellular wireless phone bill or other sufficient proof of the
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claimed cell phone model linked to Your cell phone account
• If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48)
hours of the event
• Based on the details of the claim, the Benefits Administrator may request additional verification
including:
o An itemized repair estimate from an authorized cell phone repair facility
o The damaged cell phone, for evaluation of its damage
o An itemized store receipt for the replacement cell phone
• Documentation (if available) of any other claim settlement such as Your cellular wireless provider or
manufacturer’s insurance settlement (if applicable)
• Any other documentation deemed necessary in the Benefits Administrator’s sole discretion, to
substantiate Your claim. All claims must be fully substantiated as to the time, place, cause, and purchase
price of the cell phone.
If the cell phone is damaged, do not discard it until the claim has been fully reviewed.
How will I be reimbursed?
Depending on the nature and circumstances of Your claim, the Benefit Administrator may choose to
repair or replace Your cell phone or reimburse You for the lesser of:
a) Up to $250 after the fifty dollar ($50.00) deductible has been applied to the replacement or
repair cost; or
b) The current cellular wireless service provider’s suggested retail value of a similar model
replacement cell phone, or the actual cost to replace it, whichever is lower (not including taxes,
delivery and transportation charges or fees associated with the cellular wireless service provider),
less Your fifty dollar ($50.00) deductible.
c) If Your cell phone is repairable, You will receive an amount as determined by the diagnostic
to repair the cell phone less Your fifty dollar ($50.00) deductible.
Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and
approval of Your claim form and all necessary documents.
Definitions
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or an Eligible Wireless Cellular Telephone;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or an Eligible Wireless Cellular Telephone;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or an Eligible Wireless Cellular Telephone;
(d) restriction or inhibition of access to or directed against Your Digital Data or an Eligible Wireless Cellular
Telephone
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(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on an Eligible
Wireless Cellular Telephone during the manufacturing process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of an Eligible Wireless Cellular Telephone to store information, process
information, and transmit information over the Internet.
Eligible Cellular Wireless Telephones are the lines listed on your most recent cellular wireless service
provider’s (“cell phone provider”) monthly billing statement for the billing cycle prior to when the incident
occurred.
Eligible Person means a cardholder who pays for their monthly cellular wireless phone bill with their eligible
card.
You and Your means an enrolled cardholder who has charged their monthly cellular wireless phone bill to
their covered card.
Additional provisions for Cellular Telephone Protection
• Signed or pinned transactions are covered as long as You use Your eligible account to secure the
transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for
such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #CELLPHONE – 2021 (04/21) CP-O
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For more information about the benefit described in this guide, call the Benefit Administrator
at 1-866-894-8569 or outside the U.S. call collect at 1- 303-967-1096.
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Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen,
and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto Rental
Collision Damage Waiver. Auto Rental Collision Damage Waiver reimburses You for damages caused by
theft or collision -- up to the Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver
covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to
any other driver’s car or the injury of anyone or anything is not covered. Rental periods of fifteen (15)
consecutive days within Your country of residence, and thirty-one (31) consecutive days outside it, are both
covered. (Longer rental periods, however, are not covered.)
You are eligible for this benefit if Your name is embossed on an eligible card issued in the United States and
You use it to initiate and complete Your entire car rental transaction. Only You as the primary car renter and
any additional drivers permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works with other insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and
substantiated by the auto rental company, administrative fees and reasonable and customary towing charges,
due to a covered theft or damage to the nearest qualified repair facility.
If You do have personal automobile insurance or other insurance that covers theft or damage, this benefit
reimburses You for the deductible portion of Your car insurance or other insurance, along with any
unreimbursed portion of administrative and loss-of-use charges imposed by the car rental company, as well
as reasonable towing charges while the car was Your responsibility.
If You do not have personal automobile insurance or any other insurance, the benefit reimburses You for
covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as
reasonable towing charges that occur while You are responsible for the vehicle.
If You are renting outside of Your country of residence, the coverage provided under this benefit is primary
and reimburses You for covered theft, damage, or administrative and loss-of-use charges imposed by the
rental company, as well as reasonable towing charges that occur while You are responsible for the vehicle.
How to use Auto Rental Collision Damage Waiver
1. Use Your card to initiate and complete Your entire car rental transaction.
2. Review the auto rental agreement and decline the rental company’s collision damage waiver
(CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your
benefit. If the rental company insists that You purchase their insurance or collision damage waiver,
call the Benefit Administrator for assistance at 1-800-348-8472. Outside the United
States, call collect at 1-804-673-1164.
Before You leave the lot, be sure to check the car for any prior damage.
This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and it
terminates when the rental company reassumes control of their vehicle.
This benefit is available in the United States and most foreign countries (with the exception of Israel,
Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where
precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when
prohibited by individual merchants. Because regulations vary outside the United States, check with
Your auto rental company and the Benefit Administrator before You travel, to be sure that
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Auto Rental Collision Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benefit, they consist of: expensive, exotic, and antique cars; cargo
vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines;
and recreational vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar,
Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected
models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are
covered.
An antique car is defined as one that is over twenty (20) years old, or one that has not been manufactured for
ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine (9)
people, including the driver) are covered.
If You have questions about a specific vehicle’s coverage or organization where the vehicle is
being reserved, call the Benefit Administrator at 1-800-348-8472, or call collect outside the
United States at 1-804-673-1164.
Related instances & losses not covered
• Any obligation You assume under any agreement (other than the deductible on Your personal auto
policy)
• Any violation of the auto rental agreement or this benefit
• Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived, or paid by the auto rental company, or its insurer
• The cost of any insurance, or collision damage waiver, offered by or purchased through the auto
rental company
• Depreciation of the Rental Vehicle caused by the incident including, but not limited to, “diminished
value”
• Expenses reimbursable by Your insurer, employer, or employer’s insurance
• Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol,
intoxicants, or drugs, or due to contraband, or illegal activities
• Wear and tear, gradual deterioration, or mechanical breakdown
• Items not installed by the original manufacturer
• Damage due to off-road operation of the Rental Vehicle
• Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion,
insurrection, or terrorist activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of covered vehicles
• Rental periods that either exceed, or are intended to exceed, fifteen (15) consecutive days, within
Your country of residence, or thirty-one (31) days outside Your country of residence
• Leases and mini leases
• Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in
protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving the
car running and unattended)
• Theft or damage reported more than forty-five (45) days* after the date of the incident
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• Theft or damage for which a claim form has not been received within ninety (90) days* from the date
of the incident
• Theft or damage for which all required documentation has not been received within three hundred
and sixty-five (365) days after the date of the incident
• Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland,
or Northern Ireland
• Losses caused by or resulting from a Cyber Incident
*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every effort to protect Your Rental Vehicle from damage or
theft. If You have an accident, or Your Rental Vehicle has been stolen, immediately call the Benefit
Administrator at 1-800-348-8472 to report the incident, regardless of whether Your liability has been
established. Outside the United States, call collect at 1-804-673-1164.
You should report the theft or damage as soon as possible but no later than forty-five (45) days from the
date of the incident.
The Benefit Administrator reserves the right to deny any claim containing charges that would not have been
included, if notification occurred before the expenses were incurred. Thus, it’s in Your best interest to notify
the Benefit Administrator immediately after an incident. Reporting to any other person will not fulfill this
obligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return the Rental Vehicle, ask Your car rental company for
the following documents:
• A copy of the accident report form
• A copy of the initial and final auto rental agreements (front and back)
• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
• A police report, if obtainable
• A copy of the demand letter which indicates the costs You are responsible for and any amounts that
have been paid toward the claim
Submit all of the above documents from the rental company, along with the following documents, to the
Benefit Administrator:
• The completed and signed Auto Rental Collision Damage Waiver claim form (Important: This must
be postmarked within ninety (90) days* of the theft or damage date, even if all other required
documentation is not yet available – or Your claim may be denied).
• A copy of Your monthly billing statement (showing the last 4 digits of the Account number)
demonstrating that the entire rental transaction was made on Your eligible Account.
• A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if
applicable), or other reimbursement showing the costs for which You are responsible, and any
amounts that have been paid toward the claim. Or, if You have no applicable insurance or
reimbursement, a statement of no insurance or reimbursement is required.
• A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your
deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits,
effective dates, and deductibles).
• Any other documentation required by the Benefit Administrator to substantiate the claim.
Finally, please note that all remaining documents must be postmarked within three hundred and sixty-five
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(365) days* of the theft or damage date or Your claim may be denied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit
www.eclaimsline.com
Finalizing Your claim
Your claim will typically be finalized within 15 (fifteen) days, after the Benefit Administrator has received all
the documentation needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or
damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to You.
You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and
remedies.
Definitions
Account means Your credit or debit card Accounts.
Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market value,
age and condition at the time of loss.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Rental Vehicle;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or Rental Vehicle;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or Rental Vehicle;
(d) restriction or inhibition of access to or directed against Your Digital Data or Rental Vehicle;
(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Rental
Vehicle during the manufacturing process, upgrade process, or normal maintenance
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of a Rental Vehicle to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.
Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental Vehicle
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from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the
responsibilities of all parties under the contract.
Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating
organization’s disclosure statement which the eligible renter has rented for the period of time shown on the
Rental Car Agreement and does not have a manufacturer’s suggested retail price exceeding the amount
shown on the participating organization’s disclosure statement
You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car
transaction.
Additional provisions for Auto Rental Collision Damage Waiver
• Signed or pinned transactions are covered as long as You use Your eligible Account to secure the
transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for
such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-348-8472, or call collect outside the U.S. at 1-804-673-1164.
FORM #ARCDW – 2021 (Stand 04/21) ARCDW-O
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Roadside Dispatch®
For roadside assistance, call 1-800-847-2869
What is Roadside Dispatch?
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with
security and
convenience wherever your travels take you.
No membership or pre-enrollment is required. No annual dues. No limit on usage.
For a set price per service call, the program provides:
•
Standard Towing – Up to 5 miles included1
•
Tire Changing – must have good, inflated spare
•
Jump Starting
•
Lockout Service (no key replacement)
•
Fuel Delivery – up to 5 gallons (plus the cost of fuel)
•
Standard Winching
Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone
with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel
you are in an
unsafe location – Roadside Dispatch will advise you to hang up and dial 911. If you are not
able to dial 911, they will call
the non-emergency police number in your area, and will remain on the
phone with you at your request
until the police arrive.) You have the convenience of one toll-free phone
number and you may save
money because their rates are pre-negotiated.
Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership
or
pre-enrollment is required. Just call Roadside Dispatch toll-free when you need them.
1-800-847-2869 ~ it’s that easy!
Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be
accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Current
fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call
fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be
discontinued at any time without prior notice. Program void where prohibited.
1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles
that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT
covered under this program.
Additional Terms: Service providers supplying emergency roadside assistance and towing are
independent contractors and are solely liable for their services. Neither Visa nor MRV Banks shall
have any responsibility or liability in connection with the rendering of the service. Emergency
roadside assistance and towing may not be available in areas not regularly traveled, nor in other
“off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and
availability of service may affect assistance responses. Expectations for dispatch are set with the
customer on every call, and an expected estimated time of arrival is provided to the customer
regardless of their location; however, neither Visa nor MRV Banks provides any assurances as to
the ability of the service provider to meet such estimates. You are responsible for any roadside
assistance or towing charges incurred by facilities responding to your request even if you are not
with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services
provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country
Motor Club of California, Inc. a California corporation.
