Marriott Rewards credit cardholders may wonder whether their card offers rental car insurance coverage. Rental car insurance is a valuable benefit that can save you money and give you peace of mind when renting a vehicle. Let’s explore whether the Marriott Rewards credit card includes this coverage.
The Answer:
Yes, the Marriott Rewards credit card offers rental car insurance coverage. When you use your Marriott Rewards credit card to pay for a rental car, you automatically receive secondary coverage for damage due to collision or theft. This coverage is provided through Visa’s Auto Rental Collision Damage Waiver program, which can help protect you in case of an accident or theft.
FAQs:
1. What is rental car insurance?
Rental car insurance provides coverage for a rented vehicle in case of accidents, theft, or damage. It can help protect you from financial liability in case of unforeseen incidents during your rental period.
2. Is rental car insurance necessary?
While rental car insurance is not mandatory, it is highly recommended to have some form of coverage when renting a vehicle. Accidents can happen, and having insurance can protect you from potential financial loss.
3. What type of rental car insurance does the Marriott Rewards credit card offer?
The Marriott Rewards credit card provides secondary coverage for damage due to collision or theft. This means that the card’s insurance will kick in after your primary insurance, such as your personal auto insurance policy.
4. Are there any limitations to the rental car insurance coverage provided by the Marriott Rewards credit card?
Yes, there are some limitations to the coverage. For example, exotic cars, antique vehicles, and certain types of trucks are not covered. It’s essential to review the terms and conditions of the insurance policy to understand the exclusions.
5. How do I activate the rental car insurance coverage with my Marriott Rewards credit card?
To activate the rental car insurance coverage, you must use your Marriott Rewards credit card to pay for the rental vehicle in full. Ensure you decline the rental company’s collision damage waiver (CDW) or loss damage waiver (LDW) to be eligible for the card’s coverage.
6. Is there a cost for the rental car insurance coverage with the Marriott Rewards credit card?
There is no additional cost for the rental car insurance coverage provided by the Marriott Rewards credit card. As long as you meet the requirements, such as using the card for payment and declining the rental company’s waiver, the coverage is automatic.
7. What should I do if I need to file a rental car insurance claim with my Marriott Rewards credit card?
If you need to file a claim for rental car insurance coverage, contact the benefit administrator for the Marriott Rewards credit card as soon as possible. They will guide you through the claims process and provide the necessary paperwork.
8. Does the rental car insurance coverage with the Marriott Rewards credit card cover personal injuries or liability?
No, the rental car insurance coverage provided by the Marriott Rewards credit card does not include coverage for personal injuries or liability. It is essential to have separate insurance for these aspects when renting a vehicle.
9. Can I use the rental car insurance coverage with my Marriott Rewards credit card for international rentals?
Yes, the rental car insurance coverage with the Marriott Rewards credit card is valid for international rentals. However, be sure to check with the benefit administrator to understand any specific terms or limitations for international rentals.
10. Does the rental car insurance coverage with the Marriott Rewards credit card cover damages to the rental car’s interior?
No, the rental car insurance coverage provided by the Marriott Rewards credit card typically only covers damage due to collision or theft of the vehicle’s exterior. Damage to the interior may not be included in the coverage.
11. How long does the rental car insurance coverage with the Marriott Rewards credit card last?
The rental car insurance coverage with the Marriott Rewards credit card is typically valid for up to 31 consecutive days of rental. If you plan to rent a vehicle for longer than this period, you may need to explore other insurance options.
12. Can additional drivers be covered by the rental car insurance with the Marriott Rewards credit card?
Yes, additional drivers may be covered by the rental car insurance provided by the Marriott Rewards credit card as long as they are listed on the rental agreement and meet the card’s requirements for coverage. Be sure to review the terms and conditions for any restrictions on additional drivers.