On June 2 to 26 2025 we rented a car from Europcar.
When I made online reservation, I declined the rental insurance. As I have an American Express card with rental insurance up to $100,000.
Arrival at the rental counter in Frankfurt was an intimidating experience. Things start out smoothly. But when it came to paperwork and I declined insurance, I was asked for my credit card limit. I was so shocked, as I had never been asked that question before by any car rental agency. I just blurted the amount out
I was also explaining the car rental insurance plan American Express card has. That was ignored. I was then told I would need to buy their rental insurance and if I refused that I would not get the rental car. What!
I was jet lagged, been up for more than 24 and had another couple with us for a 3 week driving vacation to several countries. We needed a car.
So I signed for their insurance under duress and intimidation. I felt I had no other option.
We had a nice vacation. But when I got home I have thought about this incident everyday. I made a call to customer service is few months later and got no where.
Finally in January 2026 i had the time and energy to started down the path of requesting a refund on the rental insurance.
Now it gets interesting
I explained the situation via email and got a response basically saying that I signed the contract and the agent did nothing wrong. I had asked 2 question - can their counter agent ask me for my credit card limit? and does Europcar not
NOT accept rental insurance from credit card companies.
That response got “corporate speak” such as transparency, checking thier policies and terms of agreement etc BUT, no answer to the 2 questions.
I have sent another email to the customer service as well as mailing my email correspondence to the CEO Simon Bickel for resolution. I asked him as well as Customer service representative to put themselves in my shoes asking What would they have done?
I did receive a recent response from Customer Service, stating they appreciate my business and being a good customer BUT no response to the 2 questions I had posed.
I feel the company has made an egregious error in charging me the rental insurance. AND by not answering the two questions I have been asking. I feel at this time that they do not have appropriate answers for my situation. Therefore, I’m asking again for a refund for the total amount of the rental insurance as at that time I had rental insurance in place with American Express card.
I hope that this message as well as my previous messages to Customer Service, are sent to the CEO Simon Bickel and the Director of Customer Service for resolution by refunding the insurance.
Claimed loss: 390.13 Euro
Desired outcome: Refund of the insurance paid.
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