Does Capital One Venture card cover rental car damage?
Yes, the Capital One Venture card does provide coverage for rental car damage. This benefit is known as Auto Rental Collision Damage Waiver (CDW), which covers damage to a rental car due to collision or theft.
1. Is the coverage provided by Capital One Venture primary or secondary?
The coverage provided by Capital One Venture is secondary, which means it will step in after your personal auto insurance policy.
2. Are there any requirements to be eligible for the rental car damage coverage?
In order to be eligible for the rental car damage coverage, you must decline the collision damage waiver offered by the rental car company and pay for the entire rental transaction with your Capital One Venture card.
3. Is there a limit to the coverage provided for rental car damage?
Yes, the coverage provided by the Capital One Venture card has a limit of $50,000 per rental agreement.
4. Is there a limit to the number of days that are covered under the rental car damage coverage?
Yes, the coverage provided by the Capital One Venture card is valid for rentals that do not exceed 15 consecutive days.
5. What types of rental vehicles are covered under the rental car damage coverage?
Most standard rental vehicles such as cars, SUVs, and trucks are covered under the rental car damage coverage provided by the Capital One Venture card. However, luxury vehicles, motorcycles, and recreational vehicles are usually not covered.
6. Does the rental car damage coverage include coverage for personal belongings stolen from the rental car?
No, the rental car damage coverage provided by Capital One Venture does not cover personal belongings stolen from the rental car. It only covers damage to the vehicle itself.
7. Are there any countries where the rental car damage coverage is not valid?
Yes, the rental car damage coverage provided by Capital One Venture is not valid in certain countries such as Israel, Jamaica, Ireland, or Australia.
8. Can I add additional drivers to the rental agreement and still be covered under the rental car damage coverage?
Yes, as long as the rental agreement is paid for with your Capital One Venture card and you meet all other eligibility requirements, additional drivers should also be covered under the rental car damage coverage.
9. What do I need to do in case of an accident or theft of the rental car?
You should immediately report the incident to the rental car company and file a police report. You will also need to contact the benefits administrator at Capital One to initiate the claims process.
10. How long do I have to file a claim for rental car damage?
You must file a claim for rental car damage within 45 days of the incident in order to be eligible for coverage.
11. Can I use my Capital One Venture card to book a rental car for someone else and still be covered?
Yes, as long as the rental transaction is paid for with your Capital One Venture card, you should still be covered under the rental car damage coverage even if you are not the driver.
12. Is there a deductible for the rental car damage coverage provided by Capital One Venture?
No, there is no deductible for the rental car damage coverage provided by Capital One Venture. The coverage is provided up to the policy limit without any out-of-pocket expense from the cardholder.