How does Capital One rental car insurance work?

**How does Capital One rental car insurance work?**

Capital One offers rental car insurance as a benefit to its cardholders. The rental car insurance provided by Capital One covers physical damage and theft of the rental vehicle, as well as valid loss-of-use charges imposed by the rental company and reasonable towing charges. It is important to note that this coverage is secondary to any other insurance you may have, such as personal auto insurance or coverage provided by the rental company.

When you rent a car using your Capital One credit card and decline the rental company’s collision damage waiver (CDW) or loss damage waiver (LDW), you may be eligible for coverage under your Capital One rental car insurance. However, there are a few requirements to be aware of:

1. **Do I need to charge the entire rental cost to my Capital One card to be eligible for coverage?**
Yes, in order to be eligible for Capital One rental car insurance, you must charge the entire rental cost to your Capital One credit card and decline the rental company’s CDW or LDW.

2. **What types of vehicles are covered by Capital One rental car insurance?**
Capital One rental car insurance covers most rental vehicles, including cars, minivans, and trucks that have a gross vehicle weight rating of 26,000 pounds or less. However, some vehicles are not eligible for coverage, such as antique cars, limousines, and recreational vehicles.

3. **Does Capital One rental car insurance provide liability coverage?**
No, Capital One rental car insurance does not provide liability coverage. It only covers physical damage to the rental vehicle and related charges.

4. **How long am I covered by Capital One rental car insurance?**
You are covered for the first 31 days of the rental period.

5. **Do I need to notify Capital One before I rent a car to be eligible for coverage?**
No, there is no need to notify Capital One in advance. The coverage is automatic as long as you meet the eligibility requirements.

6. **Are additional drivers covered by Capital One rental car insurance?**
Yes, additional drivers who are authorized to drive the rental vehicle as stated in the rental agreement will be covered.

7. **Does Capital One rental car insurance cover international rentals?**
Yes, Capital One rental car insurance covers both domestic and international rentals.

8. **What do I need to do in case of an accident or theft?**
In case of an accident or theft, you must immediately report the incident to the rental company and file a police report if necessary. You should also contact the Benefit Administrator within 45 days to initiate the claims process.

9. **What if I have personal auto insurance?**
If you have personal auto insurance, the coverage provided by your Capital One rental car insurance will be secondary. It means that you need to first file a claim with your personal auto insurance before seeking coverage from Capital One.

10. **Can I use Capital One rental car insurance for business rentals?**
Yes, Capital One rental car insurance covers both personal and business rentals.

11. **Are there any exclusions to Capital One rental car insurance?**
Yes, there are a few exclusions to be aware of. Capital One rental car insurance does not cover rentals longer than 31 consecutive days, off-road vehicles, vehicles used for hire, or vehicles used in any professional capacity.

12. **Do I need to be a US citizen to be eligible for Capital One rental car insurance?**
No, you do not need to be a US citizen to be eligible for Capital One rental car insurance. As long as you are a cardholder and satisfy the eligibility requirements, you are covered.

Dive into the world of luxury with this video!