What credit cards have primary rental insurance?

The answer to the question “What credit cards have primary rental insurance?” is that several credit cards offer primary rental insurance coverage to cardholders. Primary rental insurance is valuable as it provides coverage without requiring you to file a claim with your personal auto insurance company.

One of the most well-known credit cards that offer primary rental insurance is the Chase Sapphire Preferred card. This card provides primary coverage for damage due to collision or theft for most rental cars in the U.S. and abroad. It also covers expenses such as loss of use and towing charges.

Another popular credit card with primary rental insurance is the United Explorer Card. Cardholders can enjoy primary coverage for collision damage and theft when renting a car for personal use. The coverage includes reimbursement for physical damage up to the actual cash value of most rental vehicles.

If you’re a frequent traveler, the American Express Platinum Card is another excellent option. This card offers primary rental insurance coverage for damage due to collision or theft for most rental cars. It also provides coverage for loss of use charges and reasonable towing charges.

When it comes to business travelers, the Ink Business Preferred credit card from Chase is a top choice. This card offers primary rental insurance coverage for rental cars used for business purposes. It covers damage due to collision or theft, as well as loss of use charges and towing fees.

Overall, having a credit card with primary rental insurance can save you money and give you peace of mind when traveling.

FAQs About Credit Cards with Primary Rental Insurance

1. Do all credit cards offer primary rental insurance?

Not all credit cards offer primary rental insurance. Some cards only provide secondary coverage, which means you need to file a claim with your personal auto insurance first.

2. What is the difference between primary and secondary rental insurance?

Primary rental insurance pays for damages first without involving your personal auto insurance, while secondary insurance only covers costs that exceed your personal auto insurance policy.

3. Are there any fees associated with using primary rental insurance from a credit card?

Typically, there are no additional fees for using primary rental insurance coverage provided by your credit card.

4. Can I decline the rental company’s insurance if I have primary coverage through my credit card?

Yes, if your credit card provides primary rental insurance, you can decline the rental company’s insurance, potentially saving you money.

5. Does primary rental insurance cover all types of rental vehicles?

Most credit cards with primary rental insurance exclude certain types of vehicles like luxury cars, trucks, and exotic cars.

6. How do I know if my credit card offers primary rental insurance?

You can check your credit card’s benefits guide or contact your credit card issuer to inquire about primary rental insurance coverage.

7. Are there any limits to the coverage provided by credit cards with primary rental insurance?

Yes, most credit cards have coverage limits, so it’s essential to review the terms and conditions of your specific credit card’s policy.

8. Can I use multiple credit cards to combine primary rental insurance coverage?

It’s generally not possible to combine primary rental insurance coverage from multiple credit cards. You can only use one card’s coverage per rental.

9. Does primary rental insurance cover personal belongings left in the rental car?

Primary rental insurance typically does not cover personal belongings left in the rental car. You may need a separate insurance policy for personal items.

10. Is primary rental insurance valid for international rentals?

Yes, most credit cards with primary rental insurance provide coverage for rentals both domestically and internationally.

11. Do I need to pay for the rental car with my credit card to be eligible for primary rental insurance coverage?

Yes, in most cases, you need to pay for the rental car with the credit card that offers primary rental insurance to be eligible for coverage.

12. Can I transfer primary rental insurance coverage from one credit card to another?

No, primary rental insurance coverage is specific to the credit card that offers the benefit, and it cannot be transferred to another credit card.

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