Does my Discover card cover car rental insurance?
If you are a Discover cardholder, you may be wondering if your card covers car rental insurance. The short answer is: yes, it does! Discover offers auto rental insurance as a benefit to cardholders who use their card to pay for the rental. This can be a significant cost savings, as rental car insurance can add up quickly. However, there are some stipulations and limitations to be aware of when using your Discover card for car rentals.
FAQs
1. Is the car rental insurance provided by Discover primary or secondary?
Discover card rental car insurance is secondary coverage, which means it kicks in after your primary insurance, whether that’s your personal auto insurance policy or the car rental company’s insurance.
2. What types of vehicles are covered by Discover’s car rental insurance?
Discover’s rental car coverage typically applies to standard rental vehicles, such as cars, SUVs, and trucks. Luxury vehicles, motorcycles, and certain other types of vehicles may not be covered.
3. How long does the car rental insurance provided by Discover last?
Coverage may extend for up to 31 consecutive days when you use your Discover card to pay for the rental and decline the Collision Damage Waiver (CDW) offered by the rental company.
4. Are there any countries where Discover’s car rental insurance is not valid?
Discover’s auto rental insurance is generally valid in the United States and most international countries, but there are exceptions. It’s best to check with Discover or your rental car company before traveling abroad.
5. Does Discover’s car rental insurance cover damage to the rental vehicle?
Yes, Discover’s car rental insurance typically covers physical damage to the rental vehicle resulting from theft or collision.
6. Does Discover’s car rental insurance cover liability insurance?
No, Discover’s car rental insurance is primarily for physical damage to the rental vehicle and does not typically cover liability insurance.
7. Do I need to notify Discover before using my card for a car rental to activate the insurance coverage?
No, you typically do not need to notify Discover before using your card for a car rental to activate the insurance coverage. As long as you meet the requirements and use your Discover card to pay for the rental, you should be covered.
8. What documents do I need to file a claim under Discover’s car rental insurance?
To file a claim under Discover’s car rental insurance, you may need to provide documents such as the rental agreement, repair estimate, pictures of the damage, and any other relevant information requested by Discover.
9. Does Discover’s car rental insurance cover personal belongings stolen from the rental vehicle?
No, Discover’s car rental insurance typically does not cover personal belongings stolen from the rental vehicle. You may need to check with your renters or homeowners insurance for coverage.
10. Can I use my Discover card for car rentals if I am not the primary driver?
Yes, you can still use your Discover card for car rentals even if you are not the primary driver. As long as you use your Discover card to pay for the rental and meet the requirements, you should be eligible for the insurance coverage.
11. Can I decline the rental company’s insurance if I have coverage through my Discover card?
Yes, you can typically decline the rental company’s Collision Damage Waiver (CDW) if you have coverage through your Discover card. Just make sure to use your Discover card to pay for the rental and meet all the requirements for coverage.
12. Are there any additional fees associated with using Discover’s car rental insurance?
There are typically no additional fees for using Discover’s car rental insurance as long as you meet the requirements and use your Discover card to pay for the rental. However, it’s always a good idea to check with Discover for any specific details or limitations related to coverage.