Does Chase Sapphire Preferred have car rental insurance?

Does Chase Sapphire Preferred have car rental insurance?

Yes, Chase Sapphire Preferred does offer car rental insurance as a benefit to cardholders. This coverage is known as the Auto Rental Collision Damage Waiver (CDW) benefit, which provides primary coverage for theft and collision damage for most rental cars when you pay for the rental with your Chase Sapphire Preferred card.

FAQs about Chase Sapphire Preferred car rental insurance

1. What does the Chase Sapphire Preferred car rental insurance cover?

The Auto Rental CDW benefit covers theft and collision damage for most rental cars when you pay for the rental with your Chase Sapphire Preferred card.

2. Is the Chase Sapphire Preferred car rental insurance primary or secondary coverage?

Chase Sapphire Preferred’s Auto Rental CDW benefit provides primary coverage, meaning you don’t have to file a claim with your personal insurance first.

3. Are all rental cars covered under the Chase Sapphire Preferred car rental insurance?

Most rental cars are covered, but there are some exclusions, such as expensive or exotic cars, trucks, vans, and certain other types of vehicles.

4. Do I need to decline the rental company’s collision insurance to use Chase Sapphire Preferred car rental insurance?

Yes, in order to utilize the Auto Rental CDW benefit, you must decline the rental company’s collision insurance when you pick up the rental car.

5. What is the coverage limit for the Chase Sapphire Preferred car rental insurance?

The coverage limit for the Auto Rental CDW benefit is up to the actual cash value of the rental car for theft and collision damage.

6. Do I have to enroll or register for the Chase Sapphire Preferred car rental insurance?

No, as a Chase Sapphire Preferred cardholder, you automatically have access to the Auto Rental CDW benefit when you use your card to pay for the rental.

7. Can I use Chase Sapphire Preferred car rental insurance for rentals in foreign countries?

Yes, the Auto Rental CDW benefit extends coverage to rentals in foreign countries, as long as you pay for the rental with your Chase Sapphire Preferred card.

8. How do I file a claim for the Chase Sapphire Preferred car rental insurance?

If you need to file a claim for theft or damage to a rental car, you can contact the Benefit Administrator at 1-888-675-1461 within 60 days of the incident to initiate the claims process.

9. Does the Chase Sapphire Preferred car rental insurance cover liability insurance?

No, the Auto Rental CDW benefit does not cover liability insurance. You will need to purchase separate liability coverage if it is required by the rental car company.

10. Can I use the Chase Sapphire Preferred car rental insurance for rentals longer than 30 days?

The Auto Rental CDW benefit covers rentals up to 31 consecutive days. If you need coverage for longer rental periods, you may need to look into other insurance options.

11. Does the Chase Sapphire Preferred car rental insurance cover personal belongings stolen from the rental car?

No, the Auto Rental CDW benefit only covers theft or damage to the rental car itself and does not extend to personal belongings.

12. Can I use the Chase Sapphire Preferred car rental insurance for business rentals?

The Auto Rental CDW benefit does not cover rentals made for business purposes, so it is important to clarify the purpose of the rental before relying on the insurance for coverage.

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