Does car rental cover with Discover?
Yes, Discover offers car rental coverage to its cardholders. This coverage is known as the Discover Rental Car Insurance Plan and provides secondary rental car insurance when you use your Discover card to pay for the rental.
FAQs about car rental coverage with Discover:
1. What does the Discover Rental Car Insurance Plan cover?
The Discover Rental Car Insurance Plan covers physical damage to the rental vehicle due to collision, theft, vandalism, and natural disasters. It also provides secondary coverage for medical expenses related to an accident while driving the rental vehicle.
2. Does the coverage apply to all types of rental cars?
The coverage applies to most types of rental cars, including standard rental vehicles like sedans, SUVs, and trucks. However, luxury vehicles, motorcycles, and certain other types of vehicles may not be covered.
3. How long does the coverage last?
The coverage lasts for up to 31 consecutive days when you use your Discover card to pay for the rental. If the rental period exceeds 31 days, you will need to purchase additional coverage.
4. Is there a limit on the coverage amount?
Yes, the coverage is subject to a maximum limit per claim and a maximum annual limit. Be sure to check your card’s terms and conditions for specific coverage limits.
5. Do I need to decline the rental company’s insurance to use Discover’s coverage?
Yes, in order to use Discover’s rental car insurance, you must decline the rental company’s collision damage waiver (CDW) and other insurance options.
6. How do I file a claim for rental car coverage with Discover?
If you need to file a claim for rental car coverage with Discover, you can call the number on the back of your card for assistance. You will need to provide documentation such as a copy of the rental agreement and proof of payment with your Discover card.
7. Does Discover offer coverage for loss of use or administrative fees charged by the rental company?
Discover’s rental car insurance does not typically cover loss of use or administrative fees charged by the rental company. Be sure to review your card’s terms and conditions for full details on coverage exclusions.
8. Can additional drivers be covered under Discover’s rental car insurance?
Additional drivers may be covered under Discover’s rental car insurance as long as they are authorized drivers listed on the rental agreement. Be sure to check your card’s terms and conditions for specific details on coverage for additional drivers.
9. Does Discover’s rental car insurance cover international rentals?
Discover’s rental car insurance provides coverage for rentals in the United States and most international countries. However, coverage may vary depending on the country, so be sure to check your card’s terms and conditions for specific details on international coverage.
10. What if I have primary insurance coverage through another source?
If you have primary insurance coverage through another source, such as your personal auto insurance policy or a corporate insurance policy, Discover’s rental car insurance would serve as secondary coverage.
11. Is there a deductible for Discover’s rental car insurance?
There may be a deductible for Discover’s rental car insurance, depending on the specific terms of your card’s coverage. Be sure to review your card’s terms and conditions for details on any applicable deductibles.
12. Can I use Discover’s rental car insurance for business rentals?
Discover’s rental car insurance is intended for personal rentals, so coverage for business rentals may be limited or excluded. Be sure to review your card’s terms and conditions for specific details on coverage for business rentals.