Do all bank cards offer guarantees?
Travel guarantees are sometimes overlooked by bank card owners, who can offer insurance and assistance services to their holders. Not all of them offer the same guarantees, which are often linked to holding a Gold or Premier card, whether you have a Visa or a Mastercard. Guarantees may also vary between banks.
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What guarantees are offered in the context of a trip?
As a general rule, bank cards include various insurance guarantees, which allow you to obtain compensation in the event of cancellation or modification of a flight or a train journey, in the event of loss or deterioration of its assets. baggage, as well as the assumption of costs related to these modifications, such as hotel rooms, or ancillary transport costs.
Guarantees can also be offered for car rentals on site. In the event of an accident, theft or involuntary damage to the vehicle, credit card insurance can provide access to reimbursement of costs incurred by its owner.
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Does the bank card allow you to benefit from assistance services?
In certain cases, the holder of a premium bank card can benefit from certain assistance services when traveling abroad.
When signing the contract, in which all these guarantees are mentioned, an assistance number is usually given to the customer.
This number is used to initiate a care procedure in different situations: repatriation in the event of accident or illness, payment of medical and hospital costs, etc.
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What is the amount of compensation paid?
The amount of compensation paid under the guarantees offered by bank cards is very variable. Generally capped, they are linked to the contract chosen by the customer.
The more “high-end” the selected contract, the wider the cover offered in the context of a trip and the higher the compensation ceilings.
Very regular travelers will therefore have an interest in selecting a contract offering broad guarantees, to benefit from cover that meets their needs.
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How to use the guarantees of his insurance contract?
It is essential to know that the guarantees of the bank card can only be activated for purchases made by this bank card.
Thus, to benefit from compensation for a theft or reimbursement of damage to a rental car, the purchase of plane tickets and the reservation of this rental car must have been paid by credit card. which we want to use the guarantees.
It is also imperative to contact the assistance number before incurring any costs or repairs, to find out the precise framework in which these guarantees fall.
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