Which credit cards provide insurance coverage for rental cars?

Which credit cards provide insurance coverage for rental cars?

When renting a car, it’s essential to have insurance coverage to protect yourself in case of any accidents or damages. While many credit cards offer rental car insurance as a benefit, the level of coverage can vary. Here are some popular credit cards that provide insurance coverage for rental cars:

**Chase Sapphire Preferred Card:** This card offers primary rental car insurance for any rentals outside the United States and secondary coverage within the US.

**Chase Sapphire Reserve:** Like the Preferred Card, the Sapphire Reserve offers primary rental car insurance for international rentals and secondary coverage for domestic rentals.

**American Express Platinum Card:** This card also provides secondary rental car insurance coverage for both international and domestic rentals.

**Citi Prestige Card:** The Citi Prestige Card offers primary rental car insurance coverage for both international and domestic rentals.

**United MileagePlus Explorer Card:** This card provides primary rental car insurance coverage for both international and domestic rentals.

These are just a few examples of credit cards that offer rental car insurance coverage. Be sure to check with your credit card issuer for specific details on coverage limits and exclusions.

FAQs:

1. What is primary rental car insurance?

Primary rental car insurance means that the credit card company will be the first to pay for any damages or losses in the event of an accident, regardless of other insurance coverage you may have.

2. What is secondary rental car insurance?

Secondary rental car insurance means that the credit card company will only step in to cover costs not covered by your primary insurance provider.

3. Do all credit cards offer rental car insurance coverage?

No, not all credit cards provide rental car insurance coverage. It’s important to check with your credit card issuer to see if this benefit is included with your card.

4. How do I know if my credit card offers rental car insurance?

You can usually find information about rental car insurance coverage in your credit card’s benefits guide or by contacting your credit card issuer directly.

5. Are there any restrictions on the types of rental cars covered by credit card insurance?

Some credit cards may have restrictions on the types of rental cars that are covered, such as luxury or exotic vehicles. Be sure to check the terms and conditions of your credit card’s rental car insurance coverage.

6. Does rental car insurance from a credit card cover liability insurance?

Most credit card rental car insurance policies only cover damage to the rental car itself, not liability insurance for injuries or damages to other parties.

7. Do I need to decline the rental car company’s insurance coverage if I have coverage from my credit card?

In most cases, you will need to decline the rental car company’s insurance coverage in order to rely on your credit card’s coverage. Be sure to confirm this with your credit card issuer.

8. Are there any exclusions to rental car insurance coverage from credit cards?

Yes, there are often exclusions to rental car insurance coverage from credit cards, such as driving on unpaved roads, reckless driving, or rental periods longer than a certain number of days. Check the terms and conditions of your coverage for specifics.

9. Is there a deductible for rental car insurance from a credit card?

Some credit cards may have a deductible for rental car insurance coverage, meaning you would be responsible for paying a certain amount of any damages before the insurance coverage kicks in.

10. Can I use rental car insurance from my credit card for business rentals?

Some credit cards may only provide rental car insurance coverage for personal rentals, not business rentals. Check with your credit card issuer to see if this is the case with your card.

11. Does rental car insurance from a credit card extend to additional drivers?

In most cases, rental car insurance coverage from a credit card will only apply to the primary cardholder who is listed as the renter on the rental agreement. Additional drivers may not be covered.

12. Can I use rental car insurance from my credit card if I book the rental with points or miles?

If you pay for your rental car using points or miles earned through your credit card, you may still be eligible for rental car insurance coverage. Be sure to check with your credit card issuer to confirm.

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