Does Venture card have rental car insurance?

If you are a Capital One Venture cardholder, you may be wondering whether your credit card offers rental car insurance coverage. The answer is yes, the Capital One Venture card does come with rental car insurance.

This benefit is known as the Capital One Auto Rental Collision Damage Waiver, which provides coverage for theft and collision damage for most rental vehicles when you pay for the rental with your Capital One Venture card. This coverage is secondary to your personal insurance policy and provides reimbursement for the repair or replacement of a rental vehicle up to the actual cash value of the vehicle.

It’s important to note that there are certain exclusions and limitations to this rental car insurance coverage. For example, it does not cover luxury vehicles, motorcycles, trucks, vans, or other vehicles that are not designed to carry less than nine passengers. Additionally, coverage may be limited in some countries, such as Israel, Jamaica, and Ireland.

FAQs about Capital One Venture card rental car insurance:

1. Does the Capital One Venture card rental car insurance cover liability?

No, the Capital One Venture card rental car insurance does not provide liability coverage. It only covers theft and collision damage to the rental vehicle.

2. Do I need to decline the rental company’s insurance to use the Capital One Venture card rental car insurance?

Yes, in order to be eligible for the Capital One Venture card rental car insurance coverage, you must decline the rental company’s collision damage waiver (CDW) or loss damage waiver (LDW).

3. Is there a maximum coverage limit for the Capital One Venture card rental car insurance?

Yes, the Capital One Venture card rental car insurance coverage has a maximum limit per occurrence of up to $50,000 per claim.

4. Does the Capital One Venture card rental car insurance cover damage to other vehicles or property?

No, the rental car insurance provided by the Capital One Venture card only covers damage to the rental vehicle itself.

5. Does the Capital One Venture card rental car insurance cover personal belongings stolen from the rental car?

No, the Capital One Venture card rental car insurance does not cover personal belongings stolen from the rental car. You may need to rely on your homeowner’s or renter’s insurance policy for this type of coverage.

6. Does the Capital One Venture card rental car insurance cover rentals in foreign countries?

Yes, the Capital One Venture card rental car insurance provides coverage for rentals in foreign countries, as long as the rental agreement is in your name and you pay for the rental with your Venture card.

7. Can I use the Capital One Venture card rental car insurance for business rentals?

No, the Capital One Venture card rental car insurance coverage is not valid for business rentals. It is only applicable to personal rentals.

8. How do I file a claim for the Capital One Venture card rental car insurance?

To file a claim for the Capital One Venture card rental car insurance, you must contact Capital One’s Benefits Administrator at 1-800-348-8472 within 45 days of the incident.

9. Is there a deductible for the Capital One Venture card rental car insurance?

No, there is no deductible for the Capital One Venture card rental car insurance coverage. Capital One will cover the full cost of eligible damage or theft claims.

10. Does the Capital One Venture card rental car insurance cover rentals longer than 15 days?

Yes, the Capital One Venture card rental car insurance coverage extends to rentals of up to 31 consecutive days. Beyond that, you may need to explore other insurance options.

11. Can I use the Capital One Venture card rental car insurance for rentals within the United States?

Yes, the Capital One Venture card rental car insurance coverage is valid for rentals within the United States, as long as you pay for the rental with your Venture card.

12. Does the Capital One Venture card rental car insurance cover off-road vehicles?

No, the Capital One Venture card rental car insurance does not cover off-road vehicles or any vehicles not intended for main road use.

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