Does Chase Sapphire Reserve have rental car insurance?

Does Chase Sapphire Reserve have rental car insurance?

Yes, Chase Sapphire Reserve does offer rental car insurance as one of its many benefits. This credit card provides primary rental car insurance, which means you can decline the rental agency’s collision insurance and be covered through your Chase Sapphire Reserve card instead.

Chase Sapphire Reserve has become a popular choice for frequent travelers and those who often rent cars due to its generous travel benefits, including rental car insurance. Here are some frequently asked questions about the rental car insurance offered by Chase Sapphire Reserve:

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

Chase Sapphire Reserve’s rental car insurance covers damage due to collision or theft of the rental vehicle, as well as towing charges, loss-of-use charges imposed by the rental company, and reasonable costs for which you are liable, such as appraisal fees and administrative charges.

2. Does the rental car insurance from Chase Sapphire Reserve cover liability?

No, the rental car insurance from Chase Sapphire Reserve does not cover liability. It only covers damage to the rental vehicle itself.

3. Is the rental car insurance from Chase Sapphire Reserve primary or secondary coverage?

Chase Sapphire Reserve offers primary rental car insurance, meaning it kicks in before your personal auto insurance policy. This can help you avoid having to file a claim with your own insurance company in the event of a rental car accident.

4. Are there any exclusions to the rental car insurance coverage from Chase Sapphire Reserve?

Yes, there are some exclusions to the rental car insurance coverage from Chase Sapphire Reserve. For example, luxury vehicles, certain trucks, and certain exotic cars may not be covered. Be sure to check the terms and conditions of your card benefits guide for a full list of exclusions.

5. How do I activate the rental car insurance from Chase Sapphire Reserve?

To activate the rental car insurance from Chase Sapphire Reserve, you must pay for the entire rental transaction with your Chase Sapphire Reserve card and decline the collision damage waiver offered by the rental agency.

6. How long does the rental car insurance coverage from Chase Sapphire Reserve last?

The rental car insurance coverage from Chase Sapphire Reserve lasts for up to 31 consecutive days, as long as you have paid for the entire rental transaction with your Chase Sapphire Reserve card and declined the rental agency’s collision damage waiver.

7. Do I need to enroll in a program to access the rental car insurance from Chase Sapphire Reserve?

No, there is no need to enroll in a separate program to access the rental car insurance from Chase Sapphire Reserve. Simply use your Chase Sapphire Reserve card to pay for the rental transaction and decline the rental agency’s collision damage waiver.

8. Can I use the rental car insurance from Chase Sapphire Reserve for international rentals?

Yes, the rental car insurance from Chase Sapphire Reserve can be used for international rentals as long as you pay for the entire rental transaction with your Chase Sapphire Reserve card and decline the rental agency’s collision damage waiver.

9. Does the rental car insurance from Chase Sapphire Reserve cover rental car extensions?

Yes, the rental car insurance from Chase Sapphire Reserve covers rental car extensions as long as the extension does not exceed the original reservation period and you continue to meet the eligibility requirements for coverage.

10. Can I use the rental car insurance from Chase Sapphire Reserve for business rentals?

Yes, you can use the rental car insurance from Chase Sapphire Reserve for business rentals as long as you pay for the entire rental transaction with your Chase Sapphire Reserve card and decline the rental agency’s collision damage waiver.

11. Does the rental car insurance from Chase Sapphire Reserve cover loss-of-use charges?

Yes, the rental car insurance from Chase Sapphire Reserve covers loss-of-use charges imposed by the rental company in the event that the rental vehicle is in the shop for repairs due to covered damage.

12. Are there any additional benefits to using the rental car insurance from Chase Sapphire Reserve?

In addition to covering damage to the rental vehicle, the rental car insurance from Chase Sapphire Reserve also includes roadside assistance services, such as towing or locksmith services, if you encounter any issues while driving the rental car.

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