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Table of Contents
Section A. Introduction
A.1. About this Guide ............................................................................................................ 03
A.2. Visa Infinite .................................................................................................................... 03
A.3. Definitions of the Benefits Described in this Guide ....................................................... 04
A.4. General Provisions of the Program ................................................................................ 05
Section B. Insurance Offered
B.1. General Aspects .............................................................................................................. 07
B.2. Trip Cancellation Insurance ............................................................................................ 07
General Exclusions to Benefits in Section B. ........................................................................ 15
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Section A. Introduction
A.1 About this Guide
This document is intended to be used as a guide for quick reference on Car Rental Insurance
offered to the Visa Infinite Cardholders and their beneficiaries, as defined below.
Here, the cardholder will find information on Car Rental Insurance and coverage offered to
protect purchases and Visa Infinite cardholders.
The full version of the insurance policy (SUSEP Process No. 08737100109690000043),
executed between Visa International Service Association (“Visa”) and AIG Seguros Brasil
S/A (SUSEP codes 15414.001459/2009-82 – Civil Responsibility, 20- 000391/2012 – Special
Condition: Auto Rental). Visa acts as merely the policyholder in the insurance agreement and
acts before AIG Seguros Brasil S/A on behalf of the insureds, having no obligation to make
any payments in their favor. The registration of the insurance policy referred to in this guide
with SUSEP does not imply, by the local authority, inducement or recommendation to its
commercialization.
Enjoy reading and refer to this guide
whenever you have any doubts about Car
Rental Insurance offered by your Visa Infinite
Card. Below you will find some information
about this product.
If you want information about other
benefits provided by Visa Infinite Card, visit the page www.visa.com.br/visainfinite.
A.2. Visa Infinite Visa Infinite is Visa’s most complete and exclusive card, developed for special customers. It
is intended for affluent consumers who are frequently travelling abroad and require the full
availability of services, insurance and credit.
Visa Infinite offers the inclusion of all the benefits Visa offers.
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The Visa Infinite Card is accepted in more than 30 million merchants, in 150 countries and
territories, and can be used to withdraw cash in local currency in more than one million
ATMs.
For more information on the benefits provided by your Visa Infinite Card, please access
www.visa.com.br/visainfinite, or contact by phone the following numbers through toll free:
0800-891-3679 (Brazil), 1-800-396-9665 (USA and Canada)1, or collect calls: 1-303-967-
1098 (other countries)1e2
. 1 For calls made by mobile phone, all roaming charges are user responsibility.
2 Collect call through an international operator.
A.3. Definitions of the Benefits described in this Guide*
(* = specific restrictions may apply. Please refer to the specific section of the benefit in
question)
BENEFICIARIES: The Visa Infinite CARDHOLDER, his/her spouse and children
considered ECONOMICALLY DEPENDENT, minor of 23 years of age, subject to the
provisions of applicable laws.
CUSTOMER SERVICE: Communication channel and available facilities (equipment,
systems and staff) which purpose is to make the interface between Visa and customers. It can
be accessed through the following telephone numbers: 0800-891-3679 (Brazil), 1-800-396-
9665 (USA and Canada)1, or collect calls: 1-303-967-1098 (other countries)
1e2.
1 For calls made by mobile phone, all roaming charges are user responsibility.
2 Collect call through an international operator.
INSURANCE COMPANY: AIG Seguros Brasil S/A, CNPJ/MF No. 33.040.981/0001-50.
INSURED: An active CARDHOLDER, his/her spouse and unmarried dependent children
under age 23, under the benefits provided for in Section B.
SPOUSE: person related to the CARDHOLDER by marriage or common-law marriage
(união estável), under the applicable laws in force.
ECONOMIC DEPENDENTS: CARDHOLDER’s single children and under 23 years old
who cumulatively: (a) reside with the CARDHOLDER or are under his/her responsibility; and
(b) are financially supported by the CARDHOLDER. This definition includes the
CARDHOLDER’s stepchildren.
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CLAIM FORM: document to be supplied by CUSTOMER SERVICE, upon notification of
an incident or request for benefit, which must be filled out and returned together with the
required documents within the deadlines for each of the benefits presented.
CARDHOLDER: individual who holds an active and valid Visa Infinite Card, issued in its
name in Brazil, as holder or additional holder.
A.4. GENERAL PROVISIONS OF THE PROGRAM
HOW DO I SUBMIT A REQUEST?
The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER’s
representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in
any case, within the time limit established for each of the benefits provided, even if not yet in
possession of the documents that will support the CLAIM FORM. Delayed communication
may result in the loss of benefit.
The CUSTOMER SERVICE’s operator will answer
any of the CARDHOLDER’s questions and send a
CLAIM FORM.
Upon receiving the CLAIM FORM, the
CARDHOLDER, the one designated by the
CARDHOLDER or the CARDHOLDER’s
representative, as applicable, must fill out the form
and return it along with the required documentation
required for each offered benefit.
These documents must be submitted up to 90 days
(depending on the program) from the initial contact
with the CUSTOMER SERVICE to the addresses
below:
Claims Administrator: Visa Card Benefits Administration (VCBA)
Maipú 255- Piso 17
C1084 ABE, Buenos Aires, Argentina
If the request is for the benefits provided for in Section C of this guide (Other Benefits):
LOSS OF BENEFITS
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The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the
insured property under this program.
INSUREDS/BENEFICIARIES will lose their right to the benefits and payment of any
compensation under the terms of this program if they make any claim they know to be false or
fraudulent in any respect.
CONVERTING AMOUNTS INTO FOREIGN CURRENCY
The foreign currency amounts mentioned in this guide will be converted into Brazilian reais
based on foreign currency’s sale rate (PTAX 800) published by the Central Bank of Brazil at
the day the credit card cycle is closed for the month after the incident occur and is reflect in
the Account statement. In the event this information is not available, the FX rate to be used
will be the one from the day before the payment of the claim.
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Section B. Car Rental Insurance
B.1. General Aspects This guide contains a summary of the insurance policy executed between Visa and the
INSURANCE COMPANY with respect to the insurance coverage offered to
CARDHOLDERS.
In case of discrepancies between this guide and the policy, the provisions established in
the accepted policy and in full force in the jurisdiction in which your Visa Infinite Card
was issued will always prevail. In Brazil, the insurance coverage is offered by Chartis
Seguros Brasil S/A.
Should VISA cancel or refuse to renew any of the insurance coverage offered to
CARDHOLDERS, the financial institution that issued the Visa Infinite Card will notify the
CARDHOLDERS at least 60 days in advance. Should the INSURANCE COMPANY not
renew or cancel any of the coverage provided, CARDHOLDERS will be notified at least 60
days before the expiration of the policy. In the event that a substantially similar coverage
comes into force, with no interruptions whatsoever, the notification will not be required.
When applicable, the INSURANCE COMPANY will reimburse the INSURED directly, once
the process has been completed. No payment will be made until CUSTOMER SERVICE has
received all required documentation.
If a payment is made, the INSURANCE COMPANY will have the right to be reimbursed for
the amounts paid to other parties or persons.
Any party or person to whom the INSURANCE COMPANY has made a payment must
transfer to it of its/his/her rights to credit that said party or person might have against any
other party or person in connection with the portion of the compensation paid by the
INSURANCE COMPANY. Said party or person must make all necessary efforts to preserve
these rights and refrain from performing any act that may harm them.
B.2. Car Rental Insurance
Introduction
WE RECOMMEND THAT YOU READ “SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
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Basic benefits
CARDHOLDERS can get Car Rental Insurance, at no additional cost, every time they rent a car using
their Visa Infinite Card.
The CARDHOLDER must decline the Collision Damage Waiver / Loss Damage Waiver
(CDW/LDW) insurance or similar coverage offered by the car rental company.
Basic requirements
To be entitled to this insurance coverage, the CARDHOLDER must:
Use the CARDHOLDER’s Visa Infinite Card to book and pay the full cost of the car rental.
All authorized drivers specifically mentioned in the car rental agreement are also covered.
No one other than the CARDHOLDER or authorized drivers, as provided above, will have the right to
any coverage, including the right to reimbursement or to submitting any insurance claims and/or
damages under or arising from this coverage.
Should the CARDHOLDER be unable to decline the car rental company’s coverage, this coverage
will be “secondary” to the coverage offered by the car rental company and the CARDHOLDER will
have to pay any expenses that exceed the amounts of coverage offered by the car rental company and
the damages for which the CARDHOLDER may be possibly held liable.
Coverage
The Car Rental Insurance covers up to the market value of the vehicle or the cost of repairs or
replacement of the rented vehicle, provided that such vehicle is in the possession of the
CARDHOLDER or authorized driver, whichever amount is lower.
The following specific costs are included in the insurance policy:
Damage due to collision;
Theft of the vehicle and related costs;
Costs arising from vandalism;
Loss arising from accidental fire, provided that
the associated responsibility is attributable to the
CARDHOLDER or authorized driver.
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THE FOLLOWING SPECIFIC COSTS AND CLAIMS ARE NOT INCLUDED IN THE
POLICY RELATED TO THIS COVERAGE:
ANY OBLIGATION ASSUMED BY THE CARDHOLDER OR AUTHORIZED
DRIVER(S) UNDER OTHER AGREEMENTS;
INJURIES TO ANY PERSON OR DAMAGES TO ANY OBJECT INSIDE OR OUTSIDE
THE RENTED VEHICLE;
LOSS OR THEFT OF PERSONAL BELONGINGS;
PERSONAL LIABILITY;
EXPENSES ASSUMED OR PAID BY THE CAR RENTAL COMPANY OR BY ITS
INSURANCE COMPANY;
THE COST OF THE INSURANCE COVERAGE ACQUIRED THROUGH THE CAR
RENTAL COMPANY;
ANY OPERATION AND VEHICLE COSTS IN VIOLATION OF THE TERMS OF THE
CAR RENTAL AGREEMENT;
ANY LOSSES RESULTING FROM INTENTIONAL ACTS, OR FROM THE ADMISSION
OF GUILT ON THE PART OF AN AUTHORIZED DRIVER WHO IS PROSECUTED OR
FOUND GUILTY BY A COURT OF LAW OF BEING UNDER THE INFLUENCE OF
DRUGS OR INTOXICATING SUBSTANCES, OR AS A RESULT OF ILLEGAL
ACTIVITIES OR SMUGGLING;
GRADUAL WEAR AND TEAR DUE TO NORMAL USE OR MECHANICAL
PROBLEMS;
LOSSES ARISING FROM ANY TYPE OF HOSTILITY (INCLUDING WAR, INVASION,
REBELLION OR INSURRECTION)
CONFISCATION BY THE AUTHORITIES;
LOSSES RESULTING FROM RENTING VEHICLES THAT DO NOT MEET THE
DEFINITION OF COVERED VEHICLES;
LEASES AND MINI-LEASES;
LOSSES OCCURRED DURING A BREACH OF THE CAR RENTAL AGREEMENT;
LOSSES THAT ARE ALREADY COVERED BY THE INSURANCE COVERAGE
CONTRACTED DIRECTLY WITH THE CAR RENTAL COMPANY;
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RENTALS EXCEEDING THIRTY ONE (31) DAYS WHICH WILL NOT BE COVERED
AS FROM THE THIRTY-SECOND (32nd) DAY;
LOSSES REPORTED 30 DAYS AFTER THE INCIDENT;
LOSSES RESULTING FROM FREEZING, ARID EROSION, MECHANICAL FAILURE,
ELECTRICAL FAILURE EXCEPT FOR THOSE ARISING FROM THE OTHER LOSSES
COVERED BY THE INSURANCE POLICY;
LOSSES OCCURRING ON ROADS NOT MAINTAINED BY THE GOVERNMENT OR
THAT ARE NOT IN PROPER STATE FOR USE;
LOSSES RESULTING FROM FIRE NOT CAUSED BY A COVERED EVENT;
LOSSES ATTRIBUTABLE TO THE CARDHOLDER’S OR AUTHORIZED DRIVER’S
TOTAL NEGLIGENCE (EX: LEAVING THE CAR ENGINE ON WITH NO
SUPERVISION);
LOSSES RELATED TO DISASTERS AND OTHER NATURAL CAUSES (EX: HAIL,
LIGHTNING AND FLOODING);
LOSSES OCCURRING WHILE THE VEHICLE WAS SUBLEASED OR TRANSPORTING
PEOPLE OR CARGO UPON PAYMENT OF FARE OR FREIGHT FEE, RESPECTIVELY;
LOSSES CAUSED BY CARDHOLDERS OR AUTHORIZED DRIVERS TO THEIR
ASCENDANTS, DESCENDANTS, SPOUSE AND SIBLINGS, AS WELL AS TO ANY
RELATIVES OR PERSONS WHO RESIDE WITH THEM OR WHO RELY ON THEM
ECONOMICALLY;
LOSSES RESULTING FROM ACCIDENTS OCCURRING AS A DIRECT RESULT OF A
VIOLATION OF LEGAL PROVISIONS, SUCH AS; MAXIMUM NUMBER OF
PASSENGERS, SIZE AND WEIGHT;
FINES AND PENALTIES IMPOSED UPON THE CARDHOLDER OR AUTHORIZED
DRIVER AND ANY EXPENSES RELATED TO CRIMINAL ACTIONS OR
PROCEEDINGS;
LOSSES RESULTING FROM TECHNICAL/PROFESSIONAL SPECIALIZED SERVICES
PROVIDED TO THE VEHICLE AND UNRELATED TO ITS LOCOMOTION;
LOSSES OCCURRING WHILE THE INSURED VEHICLE WAS PARTICIPATING IN
COMPETITIONS, SPORTING EVENTS, BETS OR RACES;
LOSSES RESULTING FROM IONIZING RADIATIONS OR RADIOACTIVE
CONTAMINATIONS, FROM ANY TYPE OF RESIDUAL NUCLEAR COMBUSTION;
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PROPERTY AND PROFIT LOSSES NOT DIRECTLY RESULTING FROM THE
MATERIAL AND BODILY INJURIES DAMAGES COVERED BY THE INSURANCE
COMPANY;
MORAL DAMAGES; and
DAMAGES CAUSED BY POLLUTION OR CONTAMINATION OF THE
ENVIRONMENT.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
What happens if the car rental company insists that the CARDHOLDER buy its insurance?
The CARDHOLDER should ask the car rental company’s representative to call theCUSTOMER
SERVICE using the toll free number assigned to the country, or make a collect call from any country
of the world. The CUSTOMER SERVICE will provide a confirmation of the coverage or a “coverage
certification”.
Where and when is coverage effective?
This insurance becomes effective when the CARDHOLDER rents a vehicle eligible for the coverage;
this coverage is available 24 hours a day and will remain in effect while the vehicle is in the
possession of the CARDHOLDER or any of the drivers named in the car rental agreement. The
coverage will terminate as soon as the rental car is returned to the car rental company. Vehicles rented
for rental periods of more than thirty-one (31) days are not covered from the thirty-second (32nd) day
on.
What type of insurance coverage is provided?
"Primary" coverage is offered. Should the CARDHOLDER be unable to decline the car rental
company’s coverage, this coverage will be “secondary” to the coverage offered by the car rental
company and the CARDHOLDER will have to pay any expenses that exceed the amounts of coverage
offered by the car rental company and the damages for which the CARDHOLDER may possibly be
held liable.
What vehicles are covered?
Most cars are covered.
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SOME OF THE RENTED CARS NOT COVERED INCLUDE:
LUXURY OR EXOTIC CARS, INCLUDING BUT NOT LIMITED TO ASTON-MARTIN,
BENTLEY, BRICKLIN, DAIMLER, DELOREAN, EXCALIBUR, FERRARI, JENSEN,
LAMBORGHINI, LOTUS, MASERATI, PORSCHE AND ROLLS-ROYCE;
VERY OLD VEHICLES (MORE THAN 20 YEARS OLD OR LEFT TO BE
MANUFACTURED IN THE LAST 10 YEARS);
TRUCKS, PICK-UPS FOR COMMERCIAL USE, MOTORCYCLES, MOPEDS,
MOTORIZED BIKES, LIMOUSINES AND RECREATIONAL VEHICLES.
4x4 JEEPS ARE COVERED, PROVIDED THAT THEY ARE BEING DRIVEN ON ROADS
MAINTAINED BY THE GOVERNMENT.
MINIVANS TYPE VEHICLES THAT ARE USED TO CARRY MORE THAN 10
PASSENGERS (INCLUDING DRIVER).
MINIVANS TYPE VEHICLE NOT DESIGNED TO TRANSPORT PASSENGERS.
Should the CARDHOLDER have any questions regarding a specific vehicle, he/she should contact the
CUSTOMER SERVICE.
What should the CARDHOLDER do in the event of an accident or theft?
If the CARDHOLDER is involved in an accident or the rented vehicle is stolen, he/she should contact
the CUSTOMER SERVICE immediately. A representative will answer any questions the
CARDHOLDER or the car rental company representative may have, and will send a CLAIM FORM
to the CARDHOLDER.
The car rental company might require that the CARDHOLDER
pay for the damages with his/her Visa card. Should this occur, the
INSURANCE COMPANY will reimburse the CARDHOLDER
directly for the amount, after the claim has been processed.
The CARDHOLDER, the one designated by the CARDHOLDER or the
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CARDHOLDER’s representative must contact the CUSTOMER SERVICE
immediately or within a maximum of 30 days after the date of the accident or theft,
even if not yet in possession of the documentation that will support the CLAIM FORM.
Delayed communication may result in the loss of the benefit.
What does the CARDHOLDER need from the car rental company in order to submit a CLAIM FORM?
Upon the occurrence of an accident or return of the rented car on which a claim is being made, the
CARDHOLDER must request the following documents from the car rental company:
A copy of the accident report and a request form indicating the costs for which the
CARDHOLDER is responsible;
A copy of the car rental agreement;
A copy of the repair estimate and final repair invoice;
If available, two photographs of the vehicle showing the damages;
For claims including “loss of use” charges by the car rental company, a copy of the daily
utilization record for the loss period, if available;
A copy of the police report or accident report (if any).
How is the claim submitted?
Within the timeframes stated in the CLAIM FORM provided by the VISA representative, the
CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER’s representative
must fill out and sign the CLAIM FORM and send it to the address provided therein along with:
A copy of the sales receipt or document showing that the full cost of the booked and rented
car was charged and paid with CARDHOLDER’s Visa Infinite Card;
All of the documentation provided to the CARDHOLDER by the car rental company (see the
list of documents) must be submitted to the CUSTOMER SERVICE within the timeframes
established in the CLAIM FORM.
The claim will remain open during a period of 12 months following the date of loss. During that
period, the CARDHOLDER must support the claim with all of the required documents. No payment
will be made until our CUSTOMER SERVICE has received all the necessary documentation at its
offices.
What else should the CARDHOLDER do?
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In normal circumstances, the claim will be paid within a period of 15 days from the date our
CUSTOMER SERVICE receives all required documentation. However, as soon as the claim is paid,
all rights against any person in connection with the incident will be transferred to the INSURANCE
COMPANY.
This means that the INSURANCE COMPANY will have the right to file suit on its own and on behalf
of the CARDHOLDER. The CARDHOLDER will assist the INSURANCE COMPANY in all
manners, as reasonably requested by the INSURANCE COMPANY, in order to help the
INSURANCE COMPANY enforce any rights or recourse the INSURANCE COMPANY may have,
which includes signing all of documents required by the INSURANCE COMPANY to file a suit on
behalf of the CARDHOLDER.
General Provisions of the Program
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
This Car Rental Insurance will be applied to all car rental agreements in force before the date of
cancelation or non-renewal of this policy, provided that all of the other terms and conditions of the
coverage are met.
Cardholder’s card Area of Coverage
Visa Infinite Worldwide**
** Coverage includes cardholder’s country of card issuance, only if allowed by local regulations.
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General Exclusions to Benefits in Section B.
1. INTENTIONALLY SELF-INFLICTED INJURIES;
2. SUICIDE OR ATTEMPTED SUICIDE IN A SANE MENTAL STATE:
3. DISEASES, UNLESS OTHERWISE PROVIDED FOR IN THE INSURANCE
POLICIES;
4. BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN
INJURIES OR IF DEATH IS RESULTED BY ACCIDENTAL INGESTION OF A
SUBSTANCE CONTAMINATED BY BACTERIA;
5. DAMAGES ARISING OUT OF ACTS OF WAR, DECLARED OR NOT;
6. ACCIDENTS THAT OCCURRED WHILE A PASSENGER IS (I) OPERATING,
LEARNING HOW TO OPERATE, OR SERVING AS A CREW MEMBER OF AN
AIRCRAFT;
7. DAMAGES IN WHICH ONE OF THE CONCURRENT CAUSES HAS BEEN THE
PRACTICE OF, OR ATTEMPT TO PRACTICE, AN ILLEGAL ACT ON BEHALF
OF AN INSURED;
8. PARTICIPATION IN ANY CONTACT SPORT OR TEAM PROFESSIONAL, SEMI-
PROFESSIONAL OR COLLEGE SPORT;
9. PARTICIPATION IN EXTREME SPORTS, AS WELL UNDERSTOOD BY SPEED
COMPETITIONS WHERE THEY USE MOTOR VEHICLES OR BIKES,
PARACHUTING, SKYDIVING, HANG GLIDING, BUNGEE JUMPING, SKI,
SCUBA DIVING, CLIMBING, SPELUNKING, OR MOTORCYCLE RACING
ABOVE 100CC’S;
10. DAMAGES OCCURRED WHILE THE INSURED WAS SERVING IN THE ARMY,
NAVY OR AIR FORCE, IN ANY COUNTRY;
11. DAMAGES WHEN UNDER THE INFLUENCE OF DRUGS, ALCOHOL OR
OTHER DRUGS, EXCEPT AS PRESCRIBED BY A QUALIFIED PROFESSIONAL
AND TAKEN TO TREAT DRUG ADDICTIONS, AS INDICATED IN THE
MEDICAL PRESCRIPTIONS;
12. DEPRESSION, ANXIETY, MENTAL OR NERVOUS DISORDERS OR
TREATMENTS KNOWN AS "REST CURES";
13. PREGNANCY AND PREGNANCY-RELATED CONDITIONS, INCLUDING
FERTILITY TREATMENT OR OTHER MEDICAL ISSUES RELATED TO A
WOMAN’S INABILITY TO CONCEIVE;
14. INSURED TRAVELING AGAINST A PHYSICIAN’S RECOMMENDATIONS;
15. ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE, DIRECTLY OR
INDIRECTLY ATTRIBUTABLE TO THE HIV VIRUS AND/OR HIV-RELATED
CONDITIONS, INCLUDING AIDS AND/OR ANY MUTATIONS OR VARIATIONS
THEREOF OR SOMEHOW CAUSED BY IT;
16. ANY EXPENSES COVERED BY POLICIES AND INSURANCE POLICIES
RELATED TO WORKERS’ COMPENSATION OR EMPLOYEE RISKS.
17. ELECTIVE PLASTIC AND COSMETIC SURGERY, EXCEPT WHEN MEDICALLY
REQUIRED AS THE RESULT OF DAMAGES;
18. ANY DAMAGE RESULTING IN A HERNIA;
19. ANY PRE-EXISTING CONDITION.