What does Visa cover for rental car insurance?
Visa credit cards often come with rental car insurance coverage when you use your card to pay for the rental. This coverage can save you money by avoiding purchasing insurance from the rental car company.
Visa’s rental car insurance typically covers:
1. Collision damage waiver (CDW)
2. Theft protection
3. Loss damage waiver (LDW)
4. Primary coverage
5. Coverage for rentals up to a certain number of days (usually 15-31 days)
6. Coverage for rentals in your home country or abroad
7. Coverage for a wide range of rental car types (including SUVs and luxury vehicles)
Is there a fee to use Visa’s rental car insurance?
No, there is typically no additional fee to use Visa’s rental car insurance. However, make sure to check your specific credit card benefits guide to confirm.
Do I need to decline the rental car company’s insurance to use Visa’s coverage?
Yes, in order to utilize Visa’s rental car insurance, you will generally need to decline the rental car company’s insurance coverage.
What types of damage are covered by Visa’s rental car insurance?
Visa’s rental car insurance typically covers damage due to collision, theft, vandalism, and other accidents. However, there may be limitations and exclusions, so it’s important to review the terms of your specific credit card.
Does Visa’s rental car insurance cover liability insurance?
No, Visa’s rental car insurance typically does not cover liability insurance. You may need to purchase supplemental liability insurance from the rental car company or through another provider.
Is there a coverage limit for Visa’s rental car insurance?
Yes, there is usually a coverage limit for Visa’s rental car insurance, which can vary depending on the specific credit card. Make sure to review your benefits guide for details on coverage limits.
Does Visa’s rental car insurance cover personal belongings left in the rental car?
No, Visa’s rental car insurance typically does not cover personal belongings left in the rental car. You may need separate coverage for your possessions.
Can I use Visa’s rental car insurance for business rentals?
It depends on the specific terms of your Visa credit card. Some cards may offer coverage for business rentals, while others may not. Review your benefits guide for more information.
Can I use Visa’s rental car insurance for rental cars in all countries?
Visa’s rental car insurance usually covers rentals in your home country and abroad. However, there may be exceptions for certain countries, so check your benefits guide for details.
Does Visa’s rental car insurance cover additional drivers?
Visa’s rental car insurance typically covers the primary cardholder and authorized drivers listed on the rental agreement. Make sure to check your specific credit card’s terms and conditions.
Does Visa’s rental car insurance cover rental cars booked with rewards points?
It depends on the specific credit card and rewards program. Some Visa cards may cover rental cars booked with rewards points, while others may not. Review your benefits guide for more information.
Can I use Visa’s rental car insurance for long-term rentals?
Visa’s rental car insurance often has coverage limits for the duration of the rental, which usually ranges from 15-31 days. For longer-term rentals, you may need to explore additional insurance options.