What credit cards offer insurance for rental cars?
When renting a car, it is essential to consider the insurance coverage options available. Many credit cards offer rental car insurance as a benefit to cardholders. This can be a valuable perk that can save you money and provide peace of mind during your travels.
One of the major benefits of using a credit card that offers rental car insurance is that it can potentially save you money by waiving the need to purchase the rental company’s insurance, which can often be expensive. Additionally, credit card rental car insurance typically covers damage due to collision or theft, as well as liability coverage for damages you may cause to other vehicles or property.
**Here are some credit cards that offer insurance for rental cars:**
1. **Chase Sapphire Preferred Card:** This card offers primary rental car insurance coverage for up to $75,000 in damages due to collision or theft when you pay for the rental with your card.
2. **American Express Platinum Card:** This premium card provides secondary coverage for rental cars, offering up to $75,000 in coverage for damages due to collision or theft.
3. **United Explorer Card:** This card offers primary rental car insurance coverage for up to $50,000 in damages due to collision or theft when you pay for the rental with your card.
4. **Citi Premier Card:** This card provides secondary coverage for rental cars, offering up to $50,000 in coverage for damages due to collision or theft.
5. **Discover it Cash Back Card:** This card offers secondary coverage for rental cars, providing up to $25,000 in coverage for damages due to collision or theft.
6. **Bank of America Premium Rewards Card:** This card offers primary rental car insurance coverage for up to $50,000 in damages due to collision or theft.
7. **Wells Fargo Propel American Express Card:** This card provides secondary coverage for rental cars, offering up to $25,000 in coverage for damages due to collision or theft.
8. **Barclaycard Arrival Plus World Elite Mastercard:** This card offers primary rental car insurance coverage for up to $50,000 in damages due to collision or theft.
9. **Capital One Venture Rewards Credit Card:** This card provides secondary coverage for rental cars, offering up to $50,000 in coverage for damages due to collision or theft.
10. **UBS Visa Infinite Card:** This card offers primary rental car insurance coverage for up to $100,000 in damages due to collision or theft.
11. **PenFed Pathfinder Rewards American Express Card:** This card provides secondary coverage for rental cars, offering up to $50,000 in coverage for damages due to collision or theft.
12. **HSBC Premier World Mastercard:** This card offers primary rental car insurance coverage for up to $50,000 in damages due to collision or theft.
FAQs:
1. Do all credit cards offer rental car insurance?
Not all credit cards offer rental car insurance as a benefit. It is essential to check with your credit card issuer to see if this coverage is included with your card.
2. How does credit card rental car insurance work?
Credit card rental car insurance typically covers damages due to collision or theft when you pay for the rental with your card. The coverage may be primary or secondary, depending on the card.
3. Do I need to decline the rental company’s insurance if I have credit card rental car insurance?
In most cases, you will need to decline the rental company’s insurance in order to use your credit card rental car insurance. Be sure to check the terms and conditions of your credit card’s coverage.
4. What is the difference between primary and secondary rental car insurance coverage?
Primary rental car insurance coverage means that your credit card’s insurance will be the first to pay in the event of a claim. Secondary coverage means that your credit card’s insurance will only pay after other insurance policies have been exhausted.
5. Is there a fee to use credit card rental car insurance?
Most credit cards that offer rental car insurance do not charge an additional fee to use this benefit. However, it is essential to check with your credit card issuer for specific details.
6. Does credit card rental car insurance cover all types of vehicles?
Credit card rental car insurance typically does not cover exotic or luxury vehicles, as well as certain types of trucks and vans. Be sure to check the terms and conditions of your credit card’s coverage.
7. What documents do I need to provide to use credit card rental car insurance?
In the event of a claim, you may need to provide documentation such as the rental agreement, police report (if applicable), and any other relevant information requested by your credit card issuer.
8. Does credit card rental car insurance cover personal belongings in the rental car?
Credit card rental car insurance typically does not cover personal belongings left in the rental car. It is essential to remove any valuables before returning the vehicle.
9. Can I use credit card rental car insurance internationally?
Many credit cards that offer rental car insurance provide coverage internationally, but it is essential to check the terms and conditions of your card’s coverage before traveling.
10. Does credit card rental car insurance cover medical expenses?
Credit card rental car insurance typically does not cover medical expenses resulting from an accident. It is essential to have separate health insurance or travel insurance to cover medical costs.
11. Can I add additional drivers to credit card rental car insurance coverage?
Some credit cards that offer rental car insurance may allow you to add additional drivers to the coverage, but this varies by card issuer. Be sure to check with your credit card issuer for details.
12. What should I do if I need to file a claim with my credit card rental car insurance?
If you need to file a claim with your credit card rental car insurance, contact your credit card issuer as soon as possible to report the incident and follow their instructions for submitting a claim.