lloyds gold card travel insurance

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Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

Compare accounts

How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through your mobile banking app or by using Internet Banking. You can also make a claim by calling Allianz Assistance on  +44 (0)345 850 5300 .

Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply.  Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the number below.

• Silver Account:  0345 603 1839

Lines are open 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the appropriate number below.

• Gold Account:  0345 850 5056
• Platinum Account:  0345 850 5300
• Premier Account:  0345 604 0440

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, £500 of which for valuables)
• Travel disruption cover (up to £5,000)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Important and emergency telephone numbers expandable section

You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below.

• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

24-hour assistance helpline (outside the UK):   +44 (0)208 239 4010 .

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

AA Breakdown Family Cover

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Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

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4 times your credit card's travel insurance can help with summer travel woes, and 7 times it won't

Travel is more unpredictable than ever this summer. I've been lucky that none of my summer trips so far have been incredibly affected by delays or cancellations. But, air travel is a total nightmare right now , and staffing is still an issue for many travel providers — so it's likely only a matter of time.

Other TPG staffers have recently experienced issues. For example, TPG's Sean Cudahy got caught in last week's travel mess , while TPG's Nick Ewen spent time in New Jersey instead of Greece due to weather-related delays.

If you've been reading TPG for a while, you may already know that some credit cards provide travel insurance when you use your card to book your flights (or pay the taxes and fees on award flights ). And you may even be using one of these cards to book your trips. But you may not know what is and isn't covered by these benefits when your travel doesn't go smoothly.

In this guide, I'll give a high-level overview of some scenarios where you can — and can't — expect your credit card's travel insurance benefits to assist.

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Credit card travel insurance

We've written entire articles about credit cards that provide travel insurance . So, I recommend checking out the following stories to learn more about the travel insurance provided by top travel rewards cards :

• What your credit card's trip protection covers — and what it doesn't
• Flight delayed? Remember these 4 things if you want trip delay reimbursement from your credit card
• Flight delayed or canceled? Here are the best credit cards with trip delay reimbursement
• When to buy travel insurance versus when to rely on credit card protections

But, the protections provided by each card are different. So I recommend reading — or at least skimming — your card's guide to benefits before your next trip to familiarize yourself with those specifics. You can call the number on the back of your card for a physical copy or link if needed.

Cards like the Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred Card , Ink Business Preferred Credit Card and The Platinum Card® from American Express provide excellent travel protections. But, I believe the Chase Sapphire Reserve provides the best travel insurance overall.

In this guide, I'll discuss how the benefits offered to Chase Sapphire Reserve cardholders (see the Chase Sapphire Reserve guide to benefits here ) would help (or not) in several scenarios. If you generally pay for your travel with a different card, consider how the benefits on your card may differ.

Related: Travel is tricky right now — here are 7 mistakes to avoid on your next trip

4 times when your credit card's travel insurance can help

If your travel doesn't go smoothly this summer, benefits from your travel rewards credit card may offer reimbursement or other help. Here are four real-life scenarios where your credit card's travel insurance may come in handy.

Your flight is significantly delayed or canceled

First, the bad news: You'll need to work with your airline to get rebooked if your flight is canceled. And if your flight is significantly delayed, you'll need to either wait out the delay or work with your airline to get rebooked on a different flight.

But, the good news is that some cards offer trip delay reimbursement when you use your card to pay for your flight (or the taxes and fees on an award ticket). And this benefit can help as you wait for your delayed or rebooked flight.

For example, if you used the Chase Sapphire Reserve to book your original flight, Chase may reimburse you for "reasonable expenses incurred during the delay." In particular, you can get up to $500 per ticket when you're delayed for more than six hours or your delay forces you into an overnight stay. Chase says reasonable expenses include "meals, lodging, toiletries and medication."

But, you'll only be covered if you are delayed due to "equipment failure, inclement weather, strike [or] hijacking/skyjacking." So, if you're delayed due to the crew timing out during inclement weather, you'll be covered. But if the airline simply can't find any crew to operate your flight and doesn't provide you documentation stating the delay or cancellation is due to one of the aforementioned eligible reasons, you won't be covered.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Your baggage is significantly delayed

Once again, let's discuss the bad news first: You must report your delayed baggage to the travel supplier. For example, if your checked baggage doesn't appear on the belt after your flight, you'll need to go to the airline's baggage office and fill out a report.

Usually, the airline will start trying to locate your baggage at this point. But often, the airline won't offer to reimburse you for any essentials you might need while you're separated from your baggage.

Luckily, some credit cards cover baggage delays . For example, if you used the Chase Sapphire Reserve to book your flight, Chase may reimburse you "for the emergency purchase of essential items, such as toiletries, clothing, and chargers for electronic devices (limit one per device)."

In particular, Chase may reimburse you up to $100 per day for up to five days. To qualify for this coverage, your baggage must be "delayed or misdirected" for at least six hours.

The items you purchase and include for reimbursement should be "essential." But, Chase excludes some items from reimbursement, including hearing aids, artificial teeth, prosthetic devices, tickets, jewelry, electronics and recreational equipment.

Related: What to do when your luggage is delayed or lost by an airline

You must cancel or interrupt a trip

First things first: No credit card offers " cancel for any reason " trip insurance as a complimentary benefit. But, if you must cancel or interrupt your trip for specific reasons, Chase Sapphire Reserve cardholders might be eligible for reimbursement of "nonrefundable prepaid travel expenses charged by a travel supplier" and "redeposit fees imposed by a rewards program administrator." And in the case of trip interruption, cardholders can be reimbursed change fees and costs to return a vehicle to their residence or the closest rental agency.

Many credit cards offer trip cancellation and interruption insurance . But, you'll only be eligible for reimbursement if you must cancel or interrupt your trip for specific reasons listed in the guide to benefits. For example, you may be eligible for reimbursement if you can't postpone or waive a call to jury duty or subpoena from the courts, and you prepaid for nonrefundable travel expenses with your Chase Sapphire Reserve .

Related: American Express adds new 'cancel for any reason' coverage option on flights

Your luggage is lost or damaged

Earlier, I discussed a scenario where your baggage is delayed. But, it's also possible that your luggage becomes lost, stolen or damaged. As with delayed baggage, you'll need to file a claim with the travel provider once you discover the issue.

Some travel providers will provide reimbursement to repair or replace your luggage. But, if the reimbursement isn't enough, you can also seek additional reimbursement via the baggage insurance offered by your credit card. If you booked your travel with your Chase Sapphire Reserve, you could get up to $3,000 per traveler per trip.

Related: The airline couldn't find my luggage — luckily I had Apple AirTags

7 times your credit card's travel insurance won't help

Of course, your credit card's travel insurance won't help you in every situation. Although you may still find relief through your travel provider or individual travel insurance , here are some real-world scenarios where you wouldn't be covered by the Chase Sapphire Reserve's travel protections :

• You want to be on a different flight: Flight delays and cancellations are frustrating. But, you'll need to work with your airline to get on a different flight. None of the trip delay insurance offered by credit cards will let you buy a new flight and then reimburse it.
• Staffing issues lead the airline to delay or cancel your flight: According to the Chase Sapphire Reserve's guide to benefits, only delays to your trip that are caused by "equipment failure, inclement weather, strike [or] hijacking/skyjacking" are eligible for trip delay reimbursement. So, if the airline can't find crew for your flight due to its employees being sick, for example, you won't be covered.
• Your lodging canceled on you: It's frustrating to be walked from a hotel or have your lodging canceled on you. After all, you may face much higher prices if you need to book a new stay. But, except in specific cases covered by trip cancellation and interruption insurance — such as if your lodging at your trip's destination is "made uninhabitable" — your credit card benefits aren't going to help.
• Your common carrier or travel insurance policy already provides what you need: As an example, if you are delayed overnight and the airline provides you with hotel and meal vouchers, you can't claim reimbursement for these same expenses through your credit card's trip delay benefit . The Chase Sapphire Reserve's guide to benefits states the trip delay benefit "applies to reasonable expenses incurred during your delay not otherwise covered by your common carrier, another party or your primary personal insurance policy."
• Your delay caused you to miss things you already paid for: Trip delays may cause you to miss shows, activities, separately booked flights, hotel nights and more. But, the Chase Sapphire Reserve's trip delay benefit is only for reasonable expenses you incur during your delay. As such, any prepaid trip expenses won't be covered.
• You have to cancel or interrupt your trip for a noncovered reason: As discussed above, the trip cancellation and interruption insurance offered by credit cards like the Chase Sapphire Reserve only covers you if you need to cancel or interrupt your trip for select reasons. So, if you need to cancel or interrupt your trip for other reasons, your credit card's travel insurance won't help. For example, you wouldn't be covered by the Chase Sapphire Reserve's insurance if you didn't obtain a necessary visa or your airline became financially insolvent.
• You left an item or bag behind on the train, airplane or boat: Although some Amex cards include recently purchased items you lose under purchase protection insurance , most travel insurance offered by credit cards won't reimburse you for items you inadvertently left behind.

Travel insurance benefits vary from card to card, though. And, only select family members may be covered along with you for some benefits. So take a look at your card's guide to benefits or call the number on the back of your credit card to learn whether your specific scenario will be covered.

Related: 8 times your credit card's travel insurance might not cover you

Bottom line

Of course, this article assumes you used a credit card with travel insurance to pay for your trip, and the exact protections vary from card to card. But hopefully, this guide gave you an idea of the types of help you may get from your credit card's travel insurance if things go wrong with a trip this summer or beyond.

Finally, some premium travel cards offer an additional perk that may help if you face troubles this summer: lounge access . It can be much more relaxing to wait out a delay in the comfort of a lounge. Plus, you may gain access to agents that can help you rebook or handle complicated bookings if you have access to your airline's lounge.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

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Gold Travel Protection

Worldwide travel protection benefits for yourself, your partner, your children under the age of 23 and your primary Supplementary Cardmember.

Enjoy worldwide travel protection, available to you, your primary Supplementary Cardmember and your immediate family at no additional charge – whether or not you pay for your travel on your Gold ® Card. See the full details of your gold travel protection benefits here .

Please refer to the orange section for details if you applied for your Card on the American Express ® website, in response to mail or an email from American Express or through a private bank branch which is within the European Economic Area (EEA). If you applied for your Card with a bank in a country outside the EEA, refer to the brown section. The benefits are the same under both sections; however, the basis on which we provide them is different.

Submit your claim online americanexpress.co.uk/claims

You can make a claim on your Gold travel insurance online, using our 24 hour web service. Simply visit americanexpress.co.uk/claims and follow the on screen instructions.

Gold travel protection service

+44 (0) 1273 868 900

Contact your Gold travel protection service to find out more.  Available UK Time: 8.00am - 8.00pm, Monday - Friday and 8.00am - 5.00pm Saturday. (Press option for protection)

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Lloyds Bank Travel Insurance

Lloyds Bank Travel Insurance Review and Quotes

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Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Lloyds Bank is the right company to go on holidays with?

In this definitive Lloyds Bank review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Lloyds Bank the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Lloyds Bank travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,4 Safe overall rating for Lloyds Bank

Lloyds Bank travel insurance reviews by expert and consumers

To check if Lloyds Bank is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Lloyds Bank travel insurance cover?

Lloyds Bank travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

Lloys Travel Insurance covers individuals, couples and families.

Lloyds Bank single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Lloyds Bank:

Lloyds Bank winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available as standard but does not include all winter sports activities. You can expect the following benefits with the winter sports cover:

• Up to £300 ski equipment cover
• Up to £5,000 unused portion of ski pack due to injury or illness
• Up to £150 lift pass cover
• Up to £150 piste closure cover
• Up to £300 for ski equipment hire.

What are the other travel insurance options available at Lloyds Bank?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Lloyds Bank before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Lloyds Bank travel insurance?

You'll find below indicative quotes per level of cover at Lloyds Bank:

It is, however, quite difficult to give precise price ranges as Lloyds Bank travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Lloyds Bank?

There are no discouns mentioned on the website of policy documents.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Lloyds Bank.

What else should I know about Lloyds Bank travel insurance?

What are the general exclusions at lloyds bank travel insurance.

To be eligible for a travel insurance policy at Lloyds:

• You must be a resident of the UK
• You must be registered with a medical practitioner in the UK
• You must be within the age limit stated for your cover
• You must not exceed the duration of trip or visit a geographical area in which you are not covered based on your level of cover
• You must travel out of the UK or solely within the UK provided that you have pre-booked at least two consecutive nights paid accommodation on a holiday or pleasure trip.

How do I get travel insurance quote from Lloyds Bank?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Lloyds Bank is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Lloyds Bank website?

Through the customer portal, you can:

• Access your travel insurance policy documents
• Upgrade your cover
• Change personal information like family details or the names of the people on the policy
• Complete medical screening questionnaire
• Register a claim.

You can access your customer portal through the online banking homepage.

How to claim at Lloyds Bank travel insurance?

There are 2 ways to make a claim and that is by either calling the claims department or online.

How do I contact Lloyds Bank travel insurance?

Lloyds bank contact phone numbers, lloyds bank other contact details, how to cancel your annual lloyds bank travel insurance policy.

You will find below main information to cancel your travel insurance policy at Lloyds Bank:

Our opinion on Lloyds Bank travel insurance

Lloyds Bank plc is a British retail and commercial bank that is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.

The company's travel insurance policies come as standard when you open a bank account at Lloyds. The insurance covers may vary depending on the type of account you choose to open. There are 4 types of accounts available which represent the different levels of coverage you get: Silver, Gold, Platinum and Premier.

All accounts offer multi trip travel insurance but vary when it comes to destination coverage.

We would recommend Lloyd to anyone looking to open a bank account that comes with travel insurance coverage as standard.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

Lloyds Bank gold card travel insurance

Discover the lloyds bank gold card travel insurance offer.

If you have a gold account from Lloyds, you can count on the next insurance protection from AXA Insurance UK plc:

• coverage of long trips in Britain (two or more nights)
• up to 10 million GBP baggage cover
• up to 2 500 GBP emergency medical cover
• up to 30 thousand GBP accident cover
• up to 5 thousand GBP cancellation/curtailment cover
• up to 5 thousand GBP travel disruption cover
• some winter sports accident insurance cover
• worldwide travel cover for relatives
• up to 45 days journey duration insurance cover

Eligible criteria are:

• to be aged up to 80 years
• up to 18 for children or up to 24 for daytime education students

If you have additional questions, you may call 0345-850-5056.

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All Lloyds Bank FAQ

Author: Prostobank Consulting

Updated: 01.04.2024

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• Amex Gold Card

Full List of Travel Insurance Benefits for the Amex Gold Card [2023]

Christine Krzyszton

Senior Finance Contributor

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Why We Like the Card Overall

Car rental loss and damage insurance, trip delay insurance, baggage insurance plan, travel accident insurance, emergency travel assistance, no foreign transaction fees, additional travel benefits, final thoughts.

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The American Express ® Gold Card is known for being a go-to card for everyday purchases at restaurants and at U.S. supermarkets. The card also doubles as a travel rewards card offering elevated earnings on select flight purchases and a nice selection of flexible travel redemption options.

The card is far less known for its travel insurance benefits. Today, we’re turning the spotlight on some of the useful travel insurance benefits that come with the card and talking about how these benefits can add value to the cardholder.

First, let’s look at the overall earning and redemption features of the Amex Gold card, then jump right into the list of travel insurance benefits you can expect to find on the card.

Amex Gold Card — Snapshot

American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

• 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at Amex Travel
• Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
• Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
• No foreign transaction fees (see rates and fees )
• Access to Amex’s The Hotel Collection
• Access to American Express transfer partners
• $250 annual fee (see rates and fees )
• No lounge access
• Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

We like that you can jumpstart your earnings with a generous welcome bonus after meeting minimum spending requirements in the first 6 months after card approval.

The Amex Gold card also strikes a nice balance between functioning as an everyday spending card and offering accelerated earnings on flights. It also offers flexible travel redemption options.

You’ll earn 4x Membership Rewards points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 in purchases each year). Plus, you’ll receive 3x earnings on flights purchased directly with the airline and via AmexTravel.com .

With monthly statement credits for select purchases, it’s easy to find enough value to offset the annual fee.

When it’s time to use your rewards, you’ll have options such as redeeming points for flights via AmexTravel.com or transferring your points to the American Express transfer partners for even more potential value.

Amex Gold Card — Travel Insurance Benefits

While the Amex Gold card doesn’t come with a long list of comprehensive travel benefits, you’ll find these core travel insurance benefits useful for saving money and for access to assistance should something go wrong during your journey.

Having car rental insurance can save you money and provide a level of peace of mind when renting a vehicle . The Amex Gold card comes with secondary car rental insurance that would require you to first file a claim with any other applicable insurance before card coverage kicks in.

Secondary coverage can still be valuable coverage, but there is another car rental coverage option included on the card that is a much better choice.

Premium Protection

The option to purchase Premium Protection car rental insurance on the Amex Gold card is a game changer.

You’ll pay one low price of $12.25 to $24.95 for the entire period, up to 42 total days, for primary theft and damage coverage. The actual rate will depend on your state of residence and the level of coverage chosen. Note that this is not a per-day rate like the car rental agencies charge.

Just enroll in the coverage via your online card account, then whenever you charge your rental car to your card, you’ll have the coverage automatically. You are not charged prior to renting a car.

There is no deductible. Accidental death/dismemberment coverage is included. Liability coverage, uninsured/under-insured motorist coverage, or disability coverage is not included.

Cardholders and authorized listed drivers are covered.

Applicable coverages for both secondary and Premium Protection include rental car damage, theft, and loss of use.

Coverage is not available when renting vehicles in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

There are several additional exclusions, including the theft of an unlocked vehicle, illegal activity, intoxication of the driver, and war. Access the Guide to Benefits for a complete list of exclusions, terms, and conditions.

Filing a Claim

You can file a claim online or call 800-338-1670. You must file the claim within 30 days of the event and submit the required claim form within an additional 15 days. You’ll then have 60 days to submit the required documentation.

Bottom Line: The Amex Gold card comes with secondary car rental insurance with the option to purchase primary Premium Protection for one low rate that covers the entire rental period. 

To be eligible for trip delay insurance, you must pay for your entire trip with your Amex Gold card, associated rewards, or a combination of the 2. Using airline vouchers, certificates, or discounts, such as those associated with your frequent flyer account, in combination with your card, are also acceptable. Eligible travelers include family members, travel companions, and a spouse or domestic partner.

Trip delay insurance reimburses an eligible traveler for incidental expenses incurred after a 12-hour or greater trip delay. Eligible expenses can include lodging, meals, toiletries, medication, and necessary personal items.

Eligible Losses and Coverage Limits

The following types of losses are eligible covered losses :

• Inclement weather preventing a traveler from beginning a trip or continuing on a trip
• Terrorism or hijacking
• A common carrier’s equipment failure (documented)
• Lost/stolen travel documents, such as passports

You could receive up to $300 per trip with a limit of 2 claims per card, per 12-month period. Coverage is secondary to any other applicable coverage including reimbursement by the airline.

Loss exclusions include prepaid expenses, losses that were known to the public or the traveler prior to the trip, and intentional acts by the covered traveler. Access the card’s  Guide to Benefits for more details on loss exclusions under trip delay coverage.

You’ll have 60 days from the date of the loss to file a claim. You can do so by calling 844-933-0648 or the number on the back of your card to be directed to the claims department.

You’ll then have 180 days to submit the required documentation, which can include a statement from the common carrier validating the delay, receipts, your card statement showing the trip charge, and other requested supporting information.

Bottom Line: The Amex Gold card comes with trip delay insurance that provides up to $300 per trip for eligible expenses incurred after a 12-hour or greater delay due to a covered loss. 

To be eligible for baggage insurance, pay for your common carrier ticket entirely with your Amex Gold card and/or associated rewards. Trips paid for, in full or in part, with non-American Express rewards such as airline loyalty programs are not eligible.

You, your spouse or domestic partner, children under 23, and certain dependent handicapped children are covered for baggage insurance as long as the trip is paid for in full with your card and/or associated rewards.

Lost, damaged, or stolen baggage is covered, except in the event of war, government confiscation, or acts arising out of customer actions, for the following coverage limits.

High-risk items such as jewelry, gold, silver, platinum, electronics, furs, and sporting equipment, are limited to $250 per item maximum, per trip. 

Certain items are not covered under baggage insurance — here is a condensed list of those items:

• Credit cards, cash, securities, or money equivalents (such as money orders or gift cards)
• Travel documents, tickets, passports, or visas
• Plants, animals, or food
• Glasses, contact lenses, hearing aids, prosthetic devices, and prescription or non-prescription drugs
• Property shipped prior to departure

You’ll have 30 days from the date of the loss to file a claim. To file a claim, you can go online or call 800-228-6855 within the U.S. To call from outside of the U.S., call 303-273-6498 collect.

You’ll then have 60 days to submit supporting documentation including a list of items lost, receipts, a statement showing the trip was purchased with the card or associated rewards, and common carrier reports.

Please note that we have abbreviated coverage descriptions and all terms and conditions are not spelled out in their entirety. You’ll want to access the benefits guide for full information.

Bottom Line: You and certain family members are covered for baggage insurance of up to $1,250 per person when traveling with a common carrier. You’ll need to pay for your entire trip with your card or rewards associated with your card for coverage to be valid. 

Travel accident insurance that comes with the Amex Gold card pays a benefit in the unlikely event of accidental death or dismemberment of the primary card member, additional card member, spouse or domestic partner, or children under the age of 23.

The trip must be paid for with the Amex Gold card and/or associated Membership Rewards points (Pay With Points).

The coverage pays a benefit for death or severe injury suffered as a result of riding in, boarding, exiting from, or being struck by a common carrier.

The benefit paid is based on a table provided and can be up to $100,000.

Travel Benefits

While not travel insurance specifically, these additional benefits can provide assistance when planning a trip or if an unexpected event should disrupt your trip.

The Amex Global Assist Hotline provides important 24/7 assistance when traveling more than 100 miles from home. Receive help finding medical, legal, and translation referrals as well as assistance securing emergency transportation.

In addition, you could receive help securing a replacement passport or finding missing luggage.

You can reach the Global Assist Hotline at 800-333-2639. Outside the U.S., call 715-343-7977.

Actual services provided by third parties that incur costs are the responsibility of the cardholder.

Services are also not available in areas such as Cuba, Iran, Syria, North Korea, or the Crimea region.

You’ll want to include the Amex Gold card during your next trip, as the card does not charge foreign transaction fees ( rates & fees ).

Receive help planning your trip with Insider Fares via AmexTravel.com, upgrade your flights with points , American Express Travel Insurance , onsite benefits at The Hotel Collection , Amex Offers , and more.

While the Amex Gold card comes with several valuable travel insurance benefits, you would not select the card for this specific reason. The card shines when it comes to earning on select everyday purchases, for purchasing airline tickets, and its flexible travel redemption options. Those should be key reasons for selecting the card.

The fact that there are travel insurance benefits that come complimentary with the card is just one more reason to consider the card.

If having premium travel insurance benefits is a priority for you, you might consider the Chase Sapphire Preferred ® Card , The Platinum Card ® from American Express , the Chase Sapphire Reserve ® , or the Capital One Venture X Rewards Credit Card , all of which offer some of the best travel insurance benefits.

You can read about more credit cards with travel insurance  in our article on this specific topic.

For the car rental collision damage coverage benefit of the American Express Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefit of the American Express Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of the American Express Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the global assist hotline benefit of the American Express Gold Card, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the amex gold card have travel insurance benefits.

While the list of travel insurance benefits on the Amex Gold card is not extensive, you will find coverage such as secondary car rental insurance, the option to purchase Premium Protection car rental insurance, trip delay, baggage insurance, a Global Assist Hotline, and travel accident insurance.

Does the Amex Gold card have trip interruption or trip cancellation insurance?

No. The Amex Gold card does not offer trip interruption or trip cancellation insurance. The card does come with trip delay insurance.

Does the Amex Gold card charge foreign transaction fees?

No. You will not be charged foreign transaction fees when using the Amex Gold card for foreign purchases ( rates & fees) .

Does the Amex Gold card cover lost luggage?

Yes, the Amex Gold card can cover lost, stolen, or damaged luggage. The coverage is secondary to any coverage or reimbursement received by the airline or other applicable insurance.

Does the Amex Gold card have good car rental insurance?

The Amex Gold card comes with secondary car rental insurance, which means that you must first file a claim with any other applicable insurance before card coverage kicks in. You will have the option, however, to purchase Premium Protection for one low rate that covers the entire rental period, up to 42 days.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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• If the insurer is unable to offer cover to you or everyone others intended to be covered in this policy due to a pre-existing medical condition, then you may may able into stay cover from adenine specialist travel insurance firm.   Lloyds Bank
• The Fiscal Behaviors Authority has worked with Currency Helper to provide a directory of specialist getting insurers this allowed be able to assist your. ‘To admittance to directory please visit  moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or call  0800 138 7777 . Please be aware him may no be able until find cover for undetected types real you may be made to wait until you have a diagnosis before get cover elsewhere.
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• UK Cruisers

Llloyds Bank insurance not adequate

By Neecy1 , June 11, 2022 in UK Cruisers

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I'm sure this has been covered in the past but can't seem to find it. We have insurance with lloyds bank but from the wording it looks like we are not covered for repatriation due to covid. I've got a quote from holiday Extras via p&o website but it's come back as over £200 for our 2 week cruise. Just wondered if anyone can advise what they did in a similar situation. I seem to remember there was a top up policy for a lot less? Thanks for any help

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Apologies please ignore. Weve phoned the bank and we are covered for this. They are emailing us a certificate 

Thanks for the post!

I am utterly confused as to buying travel insurance. MSC says it must cover cancellation, interruption, repatriation expenses, quarantine, medical assistance and related expenses, as well as hospitalization.

Does your insurance through the bank cover you for that word for word? And if not, what does it say it you don't mind me asking? Thanks!

Hi. My other half rang bank and read the p&o requirements to them. They said yes we were covered. Apparently existing customers only. We have a platinum account. We'll study the documentation when it arrives of course. I agree, so confusing.

The Lloyds policy is with Allianz who are acknowledged as one of the market leaders.  However be aware of the following:

Quarantine payments are limited to £1,000

Basic cruise cover is included but there is no cover for things like missed ports (some cruises are currently have a lot of port alterations).

I have this policy attached to my Halifax (part of Lloyds group) account and researched it very thoroughly last year.  Due to the complexity of some of my travel arrangements I purchased a new policy with very detailed cruise and covid cover from, on this occasion the Post Office.  I'm 66 years old with a few minor existing medical conditions to declare and a full worldwide policy with every bell and whistle cost £330.  I have literally every add on you can think of for that price.

Hi Megabear. Thanks for the info. I do remember you researching all aspects of insurance.

We're not bothered about missed ports. Just happy to be on the ship but I can understand others feeling frustrated. We'll have a look at the policy wording when it arrives. Thanks for info about post office.

On 6/12/2022 at 1:19 PM, Neecy1 said: Hi Megabear. Thanks for the info. I do remember you researching all aspects of insurance.   We're not bothered about missed ports. Just happy to be on the ship but I can understand others feeling frustrated. We'll have a look at the policy wording when it arrives. Thanks for info about post office.

Our insurance was with Lloyds Bank until last April.  We were assured everything that was needed to cruise last year was covered but DH did ask them to put that in writing clearly - the policy document did not state that all needs were covered.  So we turned up to cruises with that extra wording, plus the policy document with certain things highlighted.  Not sure if that wording has changed now.

We have changed to another insurance when the length of individual holidays went down after their change of underwriter (possibly not the right word, please excuse if not).   I think it reduced from about 45 days to 30 days, which is not adequate for us, otherwise no problems with them as insurers, other than we recently had to pay for our account, c.f. the previous free situation if we kept to a certain minimum balance. 

We now have cover for hols up to 60 days, but have lost the disruption insurance which was good, though in the current climate we will be sticking to packages or will have holidays put together by an agent, e.g. Kuoni who have put together a couple of individual long haul hols for us previously at good prices and service/hotels were brilliant, (we were upgraded in most hotels).

Thanks Tring. We have now received the letter from Lloyd's and it is adequate. It is 31 days which is fine for us. 

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Stanford Law School - Robert Crown Law Library

Supreme court of california.

McConnell v. Underwriters at Lloyds , 56 Cal.2d 637 [S. F. No. 20170. In Bank. Oct. 11, 1961.]

F. BRITTON McCONNELL, Insurance Commissioner, as Liquidator, etc., Plaintiff and Respondent, v. UNDERWRITERS AT LLOYDS OF LONDON et al., Defendants and Appellants; PASSETTI TRUCKING COMPANY, INC., Defendant and Respondent.

Carter, Terreo & O'Connell and David Terreo for Defendants and Appellants.

Theodore Tamba for Plaintiff and Respondent.

Walcom & Harmon and Leo J. Walcom for Defendant and Respondent.

SCHAUER, J.

In this suit for declaratory relief the contesting insurance companies, as well as their insured, Passetti Trucking Company, Inc., hereinafter called Passetti, seek a determination as to the liabilities of the respective companies with respect to claims for personal injuries made against the [56 Cal.2d 639] insured. We have concluded that the trial court erred in holding that the only coverage was that provided by the policy issued by appellant Underwriters at Lloyds of London, hereinafter called Lloyds, and that the judgment should be reversed for further proceedings in accordance with the views hereinafter developed.

In March 1957 a Passetti truck was being driven on a California state highway by Passetti employe Bland. The truck was towing a portable air compressor which came loose and collided with the oncoming automobile of the Zuckers. The Zuckers sued Passetti, Bland, and the owner of the compressor, Rental Equipment Company, who had leased it to Passetti. Whereupon this declaratory relief suit was brought by Interstate, one of the companies from which Passetti had purchased insurance coverage. fn. 1

Passetti for many years had secured its liability insurance through the firm of Hollander and Strom, which it was stipulated was acting as the agent of Passetti. That firm was licensed as an agent of Interstate, but not of Lloyds, which also issued two policies (one of them excess) insuring Passetti. The trial court determined that the Interstate policy did not provide coverage for the compressor accident and that the Lloyds policies did. Judgment was entered accordingly, and this appeal was instituted. Thereafter the Zuckers recovered a substantial judgment against Passetti and Bland.

It was stipulated by the parties that (1) the accident would not have happened if the compressor had not been negligently attached to the truck; (2) the negligent persons were employes of Passetti as distinguished from officers of the company; (3) the compressor was not a "trailer" within the meaning of the California Vehicle Code and the definition of that word under then section 36 fn. 2 (now § 630), and that it was "special mobile equipment" as defined in then section 39 fn. 3 [56 Cal.2d 640] (now § 575) of that code, for which no license is required; (4) the Passetti truck was specifically mentioned in the Interstate policy.

[1] As delineated in Continental Cas. Co. v. Phoenix Constr. Co. (1956), 46 Cal. 2d 423, 437-438 [4b, 11, 12] [296 P.2d 801, 57 A.L.R.2d 914], the following principles govern construction of insurance policies: "[A]ny ambiguity or uncertainty in an insurance policy is to be resolved against the insurer. [Citations.] [2] If semantically permissible, the contract will be given such construction as will fairly achieve its object of securing indemnity to the insured for the losses to which the insurance relates. [Citation.] [3] If the insurer uses language which is uncertain any reasonable doubt will be resolved against it; if the doubt relates to the extent or fact of coverage, whether as to peril insured against [citations], the amount of liability [citations] or the person or persons protected [citations], the language will be understood in its most inclusive sense, for the benefit of the insured." (See also Freedman v. Queen Ins. Co. (1961), ante, pp. 454, 456-457 [1- 3] [15 Cal.Rptr. 69, 364 P.2d 245]; Prickett v. Royal Ins. Co. Ltd. (1961), ante, pp. 234, 237-238 [14 Cal.Rptr. 675, 363 P.2d 907] [4-6].) [4] However, if there is a conflict in meaning between an endorsement and the body of the policy, the endorsement controls. [5] Likewise, under the provisions of section 1651 of the Civil Code, the written or specially prepared portions of the policy control over those which are printed or taken from a form. (Continental Cas. Co. v. Phoenix Constr. Co. (1956), supra, pp. 430-431 [4a, 5, 6] of 46 Cal.2d.)

The policies involved in this litigation will be examined in the light of these principles and from the point of view of the insured who paid the premiums and for whose benefit they issued, and who here claims that all the policies covered the compressor accident.

Interstate Indemnity Policy

[6] Under the heading "Insuring Agreements" the Interstate policy provided, so far as here material, that the company agreed with the insured as follows:

"I. Coverage A--Bodily Injury Liability. To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of bodily injury ... sustained by any person, caused by accident and arising [56 Cal.2d 641] out of the ownership, maintenance or use of the automobile ....

"III. Definition of Insured: (a) With respect to the insurance for bodily injury liability ... the unqualified word 'insured' includes the named insured ... and also includes any person while using the automobile ..., provided the actual use of the automobile is by the named insured" or with the insured's permission.

"IV. Automobile Defined ... [T]he word 'automobile' means: ... the motor vehicle or trailer described in this policy ...." The parties agree that "automobile" includes trucks and also, as already stated herein, that the Passetti truck which was towing the compressor was specifically mentioned in the Interstate policy; thus Passetti's employe Bland, who was driving the truck at the time of the accident, was an insured under the Interstate policy (see also paragraph III, quoted supra).

Under the heading "Exclusions," The Interstate policy provides that "This policy does not apply: ... while the automobile is used for the towing of any trailer owned or hired by the insured ...." (Italics added.) No such exclusionary provision appears in the policy with respect to the towing of "special mobile equipment" such as the compressor here involved, stipulated by the parties to be not a trailer. (See fn. 2, ante.)

From the above-quoted provisions it appears that the Interstate policy provided coverage for the compressor accident. Construing the policy in its most inclusive sense, for the benefit of the insured (Passetti and its employe, Bland), Coverage A, which by its terms applies to any accident "arising out of the ... use of" the truck would include the accident which arose out of use of the truck to tow the negligently attached compressor. If the company had intended to exclude coverage during such towing operations it could have expressly so stated in the policy, as was done with reference to the towing of trailers. For an accident caused by the towing of a trailer, whether negligently or carefully attached, the exclusion would appear to be effective. However, there is no exclusion applicable to the towing of "special mobile equipment." It follows that, under the above-reviewed principles of law, the policy must be held to provide coverage here. (Continental Cas. Co. v. Phoenix Constr. Co. (1956), supra, 46 Cal.2d 423 , 437 [12]; see also Freedman v. Queen [56 Cal.2d 642] Ins. Co. (1961), supra, ante, pp. 454, 458 [10]; Prickett v. Royal Ins. Co. Ltd. (1961), supra, ante, pp. 234, 237 [4].)

By reason of the conclusion we have reached as to the proper construction of the Interstate policy in the light of applicable California rules, no useful purpose would be served by a discussion of various out-of-state cases relied upon by Lloyds.

Lloyds Policies

The Lloyds policies will for the purposes of this area of discussion be treated as one policy. Further reference to the Lloyds excess policy will, however, appear hereinafter.

[7] The Lloyds policy by Endorsement Number 8 is denominated "Comprehensive Public Liability Insurance Certificate."paragraph numbered 1 is headed "Insuring Agreements." By this document "Lloyd's Underwriters ... agree ... A. To Protect the Named Assured ... against loss by reason of the liability imposed by law upon the Assured for damages from bodily injuries ... by reason of: (i) Operations and work undertaken by the Assured applicable to the business of the Assured .... (vii) The ownership, maintenance or use of automobiles," except (as provided under "Exclusions") automobiles defined (in the words of the exclusion) as "power driven vehicles, including vehicles attached thereto, ... elsewhere than upon the premises." (Italics added.) For the purposes of this opinion it may be conceded that by reason of the exclusion clause last above quoted, Passetti was not covered by insuring agreement vii ("The ownership, maintenance or use of automobiles ... including vehicles attached thereto ... elsewhere than upon the premises"). But coverage under agreement vii, or lack thereof, is not controlling here. The coverage which is applicable is that provided by agreement i, designated "Operations and work undertaken by the Assured applicable to the business of the Assured." In this connection it is undisputed that by specific endorsement the policy covered operations on certain premises in San Jose, known as the Passetti jobsite, and that the compressor had been used in Passetti's business operations and had been negligently attached to the truck on those premises.

Lloyds contend, however, that by reason of specially prepared and typed (as distinguished from a printed form) Endorsement 9 to their policy, the question of the on "premises" clause liability is not even reached. Endorsement 9 declares that "It is agreed that coverage does not apply as respects [56 Cal.2d 643] any claim ... arising out of any one occurrence by reason of the ownership, operation, maintenance or control of any automobile, trailer, semi-trailer, tractor or any motor vehicle licensed for use on public highways."

Again construing all policy doubts or ambiguities for the benefit of the insured who purchased its coverage and against the insurer who prepared it, we are of the view that the Lloyds policy likewise covered the compressor accident here involved.

In the first place, Endorsement 9, on the exclusionary efficacy of which Lloyds relies, by its terms does not include the compressor here involved. The parties stipulated that the compressor is not a "trailer" and it was not "licensed for use on public highways." fn. 4 Thus, Endorsement 9 is of no help to Lloyds with respect to accidents arising in connection with the compressor, which had been used on Passetti premises and in the course of Passetti's business operations and work.

In the second place, as already noted, the parties stipulated that the accident would not have happened if the compressor had not been negligently attached to the truck by Passetti employes. Such negligent attachment occurred on the job premises specifically covered by the Lloyds policy. Thus, liberal construction of the policy provisions in favor of the assured leads to the conclusion that the Lloyds policy likewise provided coverage for the compressor accident because it expressly covered Passetti's business operations on the job premises. Further, as pointed out by Passetti, if someone other than Passetti, through its employe Bland, had been towing the compressor (either on or off the highway) after it had been negligently attached by Passetti, it appears clear that Passetti would be held liable and that the Lloyds policy would cover. The fact that Passetti did both the negligent attaching and the towing should make no difference so far as Passetti's right to the coverage is concerned.

Lloyds pleads that it is forbidden to issue automobile coverage in this state. If it had issued a forbidden automobile policy the fact that the policy was illegal would not excuse [56 Cal.2d 644] Lloyds from liability. Moreover, as already stated, the premises-operations provisions are effective to provide coverage here.

Lloyds further urges that its policy did not cover Bland, one of the two Passetti employes who negligently attached the compressor, and that inasmuch as the Interstate policy did cover him and he is at least one of the two negligent employes upon whom ultimate liability for damages occasioned by such negligence devolves (see Continental Cas. Co. v. Phoenix Constr. Co. (1956), supra, 46 Cal.2d 423 , 428- 429 [1-2]). Lloyds' policy should therefore not be held to cover the accident. Lloyds' policy defines "assured" as follows: "The unqualified word 'Assured' whenever used includes not only the named Assured but also any partnership, executive officer or director thereof while acting within the scope of his duties as such." Under "Insuring Agreement A" Lloyds undertook "To protect the named assured [Passetti Trucking Company] (hereinafter referred to as the Assured) (if a corporation to include its officers as officers of such corporation), against loss ...." As already noted, the parties stipulated that the persons who negligently attached the compressor to the truck were Passetti employes as distinguished from officers of the company. It thus appears that the Lloyds policy did not cover Bland, one of the negligent employes.

In Continental Cas. Co. v. Phoenix Constr. Co. (1956), 46 Cal.2d 423 , 440 [296 P.2d 801, 57 A.L.R.2d 914], because the record established that one line of insurance policies (Transport) afforded more than adequate coverage to the negligent employe (Mason) to meet the Leming judgment for personal injuries and there was no suggestion that that judgment could not be collected from Transport, we found it unnecessary to decide any further controversy as among the other parties to the litigation. In the case at bench, however, the Zucker judgment, as already stated, was rendered after the judgment in this declaratory relief suit and the record fn. 5 here does not show its amount or whether it has become final. Further, Passetti asserts that Interstate became insolvent after the compressor accident (see ante, fn. 1) and that the Zucker judgment may not be collectible from Interstate. [56 Cal.2d 645] Under such circumstances Passetti, who here claims coverage by both Lloyds and Interstate, from both of whom he purchased insurance policies, is entitled to have that coverage declared. Lloyds' contention on this point is without merit.

Lloyds next complains of the alleged lack of findings on material issues and that the remaining findings are vague and uncertain. These complaints, however, appear directed to Lloyds' contention that the compressor accident fell within only the scope of "automobile" coverage, that such coverage was provided by the Interstate policy but not by that of Lloyds, and that consequently the Lloyds policy should be determined to be inapplicable. But as a ground for reversal of the trial court's judgment holding that the Lloyds policy covers the accident, Lloyds also relies upon the rule that where, as here, the evidence is without conflict, this court is not bound by the trial court's interpretations of the insurance policies. (Continental Cas. Co. v. Phoenix Constr. Co. (1956), supra, 46 Cal.2d 423 , 429-430 [3]; see also Estate of Platt (1942), 21 Cal.2d 343 , 352 [4] [131 P.2d 825].) We have interpreted the premises- operations provisions of the Lloyds policy to provide coverage here, and it therefore appears that no useful purpose would be served by detailed consideration of Lloyds' attacks on the findings.

Lloyds contends, further, that it was the intention of both Interstate and Lloyds as well as of their insured, Passetti, to segregate Passetti's insurance coverage; that "automobile risks" were intended to be covered by Interstate and "non-automobile risks" by Lloyds; that if the policies as written do not accurately express this agreement the Lloyds policy should be reformed to do so; and that the trial court erred to the prejudice of Lloyds in refusing to admit certain evidence offered by Lloyds in support of this contention. Again, however, inasmuch as the premises-operations provisions of the Lloyds policy, interpreted in favor of the insured, Passetti, are properly held to provide coverage to Passetti, reformation of the policy so that it states specifically that it covers only "non-automobile risks" would not assist Lloyds. (Of course, as related above, the policy already states, under "Exclusions," that it does not cover automobile risks "elsewhere than upon the premises.") Hence, further discussion of its arguments on this point appears unnecessary. It may nevertheless be noted that the witness Mr. Strom, who as insurance broker and agent of Passetti had secured both the Interstate and the Lloyds policies, testified that "It was my [56 Cal.2d 646] intention to place licensed vehicles only in the Interstate policy to conform to the requirements of the Public Utilities Commission. When--it's conceivable that we could have unlicensed vehicles of many types that would obviously have to be covered by the comprehensive policy [Lloyds] that I purchased .... [T]he exposure created by the use of unlicensed equipment was intended not to be covered by Interstate ...." The compressor here involved was, as already stated, an unlicensed vehicle and not an automobile.

Lloyds Excess Policy

[8] Lloyds Excess Underwriters urge that if this court determines that both the Interstate and the Lloyds primary policy provide coverage to the compressor accident, the liability of the excess underwriters cannot attach until the combined limits of both the Interstate and the Lloyds primary policy have been exhausted. This contention is resisted by neither Interstate nor Lloyds primary underwriters and appears to be correct.

Both the Interstate policy and the Lloyds primary policy contain an "other insurance" clause providing for proportionate sharing of the loss with all other "valid and collectible insurance" against such loss.

The Lloyds excess policy provides, so far as here material, that "Liability under this Certificate shall not attach unless and until the Primary Insurers shall have admitted liability for the Primary Limit or Limits, or unless or until the Assured has by final judgment been adjudged to pay a sum which exceeds such Primary Limit or Limits." Under such circumstances it is held that the excess insurance does not attach until all primary insurance has been exhausted. (See Peerless Cas. Co. v. Continental Cas. Co. (1956), 144 Cal.App.2d 617, 619 et seq. [301 P.2d 602], and cases there cited; American Auto. Ins. Co. v. Seaboard Surety Co. (1957), 155 Cal.App.2d 192, 199 [6b] [318 P.2d 84]; see also American Auto. Ins. Co. v. Republic Indemnity Co. (1959), 52 Cal.2d 507 , 509 et seq. [341 P.2d 675].)

As to the case at bench, however, inasmuch as Passetti asserts that Interstate became insolvent after the compressor accident (see ante, fn. 1), it is noted that insolvency of a primary insurer gives rise to liability under the excess policy, after, of course, any other primary coverage has been exhausted. (See Fageol T. & C. Co. v. Pacific Indemnity Co. (1941), 18 Cal.2d 748 , 751-752 [2a, 2b] [117 P.2d 669].) [56 Cal.2d 647]

The judgment is reversed with directions to the trial court to amend its conclusions of law and enter judgment declaring the relative and respective rights and obligations of the parties to this action in accordance with the views hereinabove expressed, Interstate and Lloyds to each bear its own costs on appeal and to share equally in paying the costs of Passetti.

Gibson, C. J., Traynor, J., McComb, J., Peters, J., White, J., and Dooling, J., concurred.

­ FN 1. After this suit was filed, F. Britton McConnell, Insurance Commissioner, as liquidator of Interstate Indemnity Company, was substituted as plaintiff. However, for convenience plaintiff will be referred to as "Interstate."

­ FN 2. Section 36: "A 'trailer' is a vehicle designed for carrying persons or property on its own structure and for being drawn by a motor vehicle and so constructed that no part of its weight rests upon any other vehicle."

­ FN 3. Section 39: " 'Special mobile equipment' is a vehicle, not self-propelled, not designed or used primarily for the transportation of persons or property, and only incidentally operated or moved over a highway, excepting implements of husbandry."

­ FN 4. Neither, of course, was it a "semitrailer," defined by section 550 (formerly § 37) of the Vehicle Code as "a vehicle designed for carrying persons or property ...." The compressor, as already related herein, was stipulated to be "special mobile equipment" which is "not designed or used primarily for the transportation of persons or property, and only incidentally operated or moved over a highway ...." (Former Veh. Code, § 39, now § 575.)

­ FN 5. A letter sent to this court shortly before oral argument (and mentioned therein) which purports to relate certain events occurring subsequent to the trial of the case at bench is, of course, not a part of the record now subject to review.

• Stanford Law School
• Stanford Law Library
• California Supreme Court