What credit cards give rental car insurance?
When it comes to renting a car, having insurance coverage is essential. Many credit cards offer rental car insurance as a valuable benefit. The following credit cards provide rental car insurance for cardholders:
**Chase Sapphire Preferred Card**
**Chase Sapphire Reserve**
**United Explorer Card**
**United Club Card**
**Ink Business Preferred Credit Card**
**The Platinum Card® from American Express**
**The Business Platinum Card® from American Express**
American Express® Green Card
**Citi Premier℠ Card**
**Citi Prestige**
**World Elite Mastercard**
**Wells Fargo Propel American Express® Card**
Rental car insurance provided by credit cards typically covers collision damage, theft, and towing charges. However, it’s important to note that coverage varies by card, and some restrictions may apply. Be sure to check with your credit card provider for complete details on their rental car insurance policy.
1. Do all credit cards offer rental car insurance?
No, not all credit cards offer rental car insurance. It’s essential to check with your credit card issuer to see if this benefit is included with your card.
2. Is rental car insurance provided by credit cards secondary or primary coverage?
Rental car insurance provided by credit cards is typically secondary coverage. It kicks in after your personal auto insurance policy.
3. Do I need to decline the rental car company’s insurance coverage to use my credit card’s rental car insurance?
Yes, most credit cards require you to decline the rental car company’s insurance coverage in order to use your credit card’s rental car insurance.
4. What types of rental car insurance are typically covered by credit cards?
Credit cards typically offer coverage for collision damage, theft, and towing charges when renting a car.
5. Are there any exclusions to rental car insurance coverage provided by credit cards?
Some common exclusions to rental car insurance coverage include liability coverage, personal injury protection, and coverage for exotic or luxury cars.
6. How do I file a claim with my credit card’s rental car insurance?
If you need to file a claim with your credit card’s rental car insurance, you will need to contact the credit card issuer’s insurance provider and follow their specific claims process.
7. Can I use my credit card’s rental car insurance for international rentals?
Some credit cards offer rental car insurance coverage for international rentals, but it’s essential to check with the credit card issuer to confirm coverage details.
8. Is there a limit to how long I can use my credit card’s rental car insurance for a rental period?
Some credit cards may limit the duration of coverage for a rental period. Be sure to check the terms and conditions of your credit card’s rental car insurance.
9. Will using my credit card’s rental car insurance affect my credit score?
Using your credit card’s rental car insurance should not impact your credit score. However, be sure to pay off any charges related to the rental car promptly to avoid any negative consequences.
10. Can additional drivers be covered under my credit card’s rental car insurance?
Some credit cards may offer coverage for additional drivers, but it’s essential to check with the credit card issuer to confirm if this benefit is included.
11. Are there any fees associated with using my credit card’s rental car insurance?
Using your credit card’s rental car insurance typically does not involve any additional fees. However, there may be certain restrictions or limits to coverage that could result in out-of-pocket expenses.
12. Can I use my credit card’s rental car insurance for rentals through third-party booking sites?
Some credit cards may provide rental car insurance coverage for rentals through third-party booking sites. Be sure to check with the credit card issuer to verify coverage for these types of rentals.