Visa Platinum

Car Rental Insurance

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Table of Contents

Section A. Introduction

A.1. About this Guide ............................................................................................................ 03

A.2. Visa Platinum ................................................................................................................. 04

A.3. Definitions of the Benefits Described in this Guide ....................................................... 04

A.4. General Provisions of the Program ................................................................................ 05

Section B. Car Rental Insurance

B.1. General Aspects .............................................................................................................. 07

B.2. Car Rental 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 the Car Rental

Insurance offered to the Visa Platinum Cardholders and their beneficiaries, as defined below.

Here, the cardholder will find information on Car Rental Insurance and coverage offered.

The full version of the insurance policy (SUSEP Process No. 08737100109690000043),

executed between Visa International Service Association (“Visa”) and AIG Seguros Brasil

S/A, CNPJ/MF No 33.040.981/0001-50 (SUSEP code No. 15415.001459/2009-82 – 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 the Car Rental Insurance

offered by your Visa Platinum Card. Below you will

find some information about this product.

If you want information about other benefits

provided by Visa Platinum Card, visit the page www.visa.com.br/visaplatinum.

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A.2. Visa Platinum Visa Platinum is an 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 Platinum offers many important travel benefits.

The Visa Platinum 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 Platinum Card, please access

www.visa.com.br/visaplatinum, 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 Platinum 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.

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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.

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 Platinum 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

LOSS OF BENEFITS

The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the

insured property under this program.

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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. Insurance Offered

B.1. General Conditions

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 Platinum

Card was issued will always prevail. In Brazil, the insurance coverage is offered by AIG

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 Platinum 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

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UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR

KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.

Basic benefits

CARDHOLDERS can get Car Rental Insurance, at no additional cost, every time they rent a car using

their Visa Platinum 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 Platinum 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;

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Costs arising from vandalism;

Loss arising from accidental fire, provided that the associated responsibility is attributable to

the CARDHOLDER or authorized driver.

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;

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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;

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;

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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;

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

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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.

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.

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The CARDHOLDER, the one designated by the CARDHOLDER or the

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 Platinum 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

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will be made until our CUSTOMER SERVICE has received all the necessary documentation at its

offices.

What else should the CARDHOLDER do?

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 Platinum 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.