{"id":122258,"date":"2025-03-19T11:27:04","date_gmt":"2025-03-19T11:27:04","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/"},"modified":"2025-03-19T11:27:04","modified_gmt":"2025-03-19T11:27:04","slug":"what-credit-card-has-primary-rental-car-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/","title":{"rendered":"What credit card has primary rental car insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#What_credit_card_has_primary_rental_car_insurance\" title=\"What credit card has primary rental car insurance?\">What credit card has primary rental car insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#1_What_is_primary_rental_car_insurance\" title=\"1. What is primary rental car insurance?\">1. What is primary rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#2_How_does_primary_rental_car_insurance_differ_from_secondary_rental_car_insurance\" title=\"2. How does primary rental car insurance differ from secondary rental car insurance?\">2. How does primary rental car insurance differ from secondary rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#3_Are_there_any_other_credit_cards_that_offer_primary_rental_car_insurance\" title=\"3. Are there any other credit cards that offer primary rental car insurance?\">3. Are there any other credit cards that offer primary rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#4_Does_primary_rental_car_insurance_cover_all_rental_cars\" title=\"4. Does primary rental car insurance cover all rental cars?\">4. Does primary rental car insurance cover all rental cars?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#5_Do_I_need_to_decline_rental_car_insurance_from_the_rental_company_if_I_have_primary_rental_car_insurance_through_my_credit_card\" title=\"5. Do I need to decline rental car insurance from the rental company if I have primary rental car insurance through my credit card?\">5. Do I need to decline rental car insurance from the rental company if I have primary rental car insurance through my credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#6_Are_there_any_limitations_to_primary_rental_car_insurance_coverage\" title=\"6. Are there any limitations to primary rental car insurance coverage?\">6. Are there any limitations to primary rental car insurance coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#7_Will_primary_rental_car_insurance_cover_any_additional_drivers\" title=\"7. Will primary rental car insurance cover any additional drivers?\">7. Will primary rental car insurance cover any additional drivers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#8_Can_I_rely_solely_on_my_credit_cards_primary_rental_car_insurance_when_renting_a_car\" title=\"8. Can I rely solely on my credit card&#8217;s primary rental car insurance when renting a car?\">8. Can I rely solely on my credit card&#8217;s primary rental car insurance when renting a car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#9_Is_there_a_deductible_with_primary_rental_car_insurance_through_my_credit_card\" title=\"9. Is there a deductible with primary rental car insurance through my credit card?\">9. Is there a deductible with primary rental car insurance through my credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#10_What_do_I_need_to_do_if_I_need_to_file_a_claim_with_my_credit_cards_primary_rental_car_insurance\" title=\"10. What do I need to do if I need to file a claim with my credit card&#8217;s primary rental car insurance?\">10. What do I need to do if I need to file a claim with my credit card&#8217;s primary rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#11_Can_I_use_primary_rental_car_insurance_for_international_rentals\" title=\"11. Can I use primary rental car insurance for international rentals?\">11. Can I use primary rental car insurance for international rentals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#12_Can_I_add_primary_rental_car_insurance_to_a_credit_card_that_doesnt_already_offer_it\" title=\"12. Can I add primary rental car insurance to a credit card that doesn&#8217;t already offer it?\">12. Can I add primary rental car insurance to a credit card that doesn&#8217;t already offer it?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_credit_card_has_primary_rental_car_insurance\"><\/span>What credit card has primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Chase Sapphire Reserve credit card is one of the few credit cards that offer primary rental car insurance. This means that in the event of an accident or damage to a rental car, the Chase Sapphire Reserve will be the first to step in and cover the costs, without the need to involve your personal car insurance policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_primary_rental_car_insurance\"><\/span>1. What is primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Primary rental car insurance is coverage that kicks in first in the event of an accident or damage to a rental car, without involving your personal car insurance policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_does_primary_rental_car_insurance_differ_from_secondary_rental_car_insurance\"><\/span>2. How does primary rental car insurance differ from secondary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Secondary rental car insurance will only cover costs that are not covered by your personal car insurance policy, while primary rental car insurance will step in first to cover costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Are_there_any_other_credit_cards_that_offer_primary_rental_car_insurance\"><\/span>3. Are there any other credit cards that offer primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, the United Club Infinite Card and the Avis World Elite Mastercard are two other credit cards that offer primary rental car insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Does_primary_rental_car_insurance_cover_all_rental_cars\"><\/span>4. Does primary rental car insurance cover all rental cars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most primary rental car insurance policies will not cover certain types of vehicles like luxury cars, trucks, or off-road vehicles. It&#8217;s important to check the specific terms and conditions of your credit card&#8217;s policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Do_I_need_to_decline_rental_car_insurance_from_the_rental_company_if_I_have_primary_rental_car_insurance_through_my_credit_card\"><\/span>5. Do I need to decline rental car insurance from the rental company if I have primary rental car insurance through my credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, in order for your credit card&#8217;s primary rental car insurance to be in effect, you typically need to decline the rental company&#8217;s insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_there_any_limitations_to_primary_rental_car_insurance_coverage\"><\/span>6. Are there any limitations to primary rental car insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some credit cards may have limitations on the length of rental periods covered by primary rental car insurance, typically up to a certain number of days per rental.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Will_primary_rental_car_insurance_cover_any_additional_drivers\"><\/span>7. Will primary rental car insurance cover any additional drivers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Primary rental car insurance typically only covers the cardholder listed on the credit card that offers the coverage. Additional drivers may not be covered unless they are also listed on the card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_rely_solely_on_my_credit_cards_primary_rental_car_insurance_when_renting_a_car\"><\/span>8. Can I rely solely on my credit card&#8217;s primary rental car insurance when renting a car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It&#8217;s always recommended to review the specific terms and conditions of your credit card&#8217;s rental car insurance policy and understand what is covered before relying solely on it.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Is_there_a_deductible_with_primary_rental_car_insurance_through_my_credit_card\"><\/span>9. Is there a deductible with primary rental car insurance through my credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some credit cards that offer primary rental car insurance may have a deductible that you are responsible for paying before the insurance coverage kicks in.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_do_I_need_to_do_if_I_need_to_file_a_claim_with_my_credit_cards_primary_rental_car_insurance\"><\/span>10. What do I need to do if I need to file a claim with my credit card&#8217;s primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you need to file a claim, you will typically need to provide documentation like the rental car agreement, police report (if applicable), and any other relevant information required by the credit card company.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_use_primary_rental_car_insurance_for_international_rentals\"><\/span>11. Can I use primary rental car insurance for international rentals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some credit cards may provide primary rental car insurance coverage for international rentals, but it&#8217;s important to check the specific terms and conditions of your credit card&#8217;s policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_add_primary_rental_car_insurance_to_a_credit_card_that_doesnt_already_offer_it\"><\/span>12. Can I add primary rental car insurance to a credit card that doesn&#8217;t already offer it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Unfortunately, you cannot add primary rental car insurance to a credit card that doesn&#8217;t already offer it as a benefit. You would need to apply for a credit card that specifically includes primary rental car insurance in its offerings.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What credit card has primary rental car insurance? The Chase Sapphire Reserve credit card is one of the few credit cards that offer primary rental car insurance. This means that in the event of an accident or damage to a rental car, the Chase Sapphire Reserve will be the first to step in and cover &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What credit card has primary rental car insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-card-has-primary-rental-car-insurance\/#more-122258\">Read more<span class=\"screen-reader-text\">What credit card has primary rental car insurance?<\/span><\/a><\/p>\n","protected":false},"author":22,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-122258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What credit card has primary rental car insurance?<\/title>\n<meta name=\"description\" content=\"What credit card has primary rental car insurance? 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