Some even
offer rental car coverage for the interim period while your car is in the shop.
If your policy does not
offer rental car coverage, you may have some limited coverage from your credit card; you can purchase insurance from the rental car company; or you can shop for a standalone rental car policy (that is typically cheaper than what the rental company will offer).
None of their plans
offer rental car coverage or coverage for high - risk activities like SCUBA diving, which many travelers are likely to do on a vacation trip.
Do
they offer rental car coverage when your car is in the shop for repairs?
Most cards
offer rental car coverage, but it almost always kicks in only after your own personal auto insurance carries most of the weight.
You'll want to check if your current auto insurance policy
offers rental car coverage first, but if you'd like to take advantage of this credit card perk, make sure to also use the card to pay for the rental transaction in order to trigger your coverage.
If you're personal car insurance policy
offers rental car coverage, purchasing rental car insurance may simply be a waste of money and is not needed.
Not exact matches
The card also
offers a primary auto
rental collision damage waiver, or free loss and damage
coverage when you use the card to pay for a
rental car.
We also
offer comprehensive roadside assistance
coverage — 24 hours a day, 365 days a year — as well as
rental car service in case you must leave your vehicle with us for an extended period.
Perks: This Platinum Visa
offers a whole range of perks including zero liability, overdraft protection, cell phone protection, and other Visa benefits like
car rental coverage, roadside assistance, travel insurance and emergency services.
«Credit cards provide a lot of value through initial rewards bonuses and 0 percent financing deals, but they also
offer $ 0 fraud liability guarantees, the lowest possible currency conversion rates and even
car rental insurance
coverage,» said Jill Gonzalez, an analyst with CardHub.com, a credit card information site.
Travel insurance — including
rental car coverage — can be options too, but cards that
offer that usually charge an annual fee, something you will have to weigh against any potential benefits.
But before you shoot down the
coverage offered by the
rental car agency, you'll want to ensure your credit card
offers you the protection that you're after.
The insurance
offered by
car rental companies is primary
coverage.
When you purchase the insurance
offered by the
rental company, that insurance will be the primary
coverage for your
rental car.
Like the Premier Rewards Gold Card from American Express, these cards
offer secondary damage and theft
coverage for
rental cars.
Since credit cards are often used for
rental car transactions, many large national banks and credit unions will
offer limited auto insurance
coverage.
Rental car agencies will
offer at least the minimum
coverage required for the state you're renting in which will include liability
coverage.
Be sure to call the credit card company and verify what
coverage is
offered, if any, as it pertains to auto insurance for
rental cars.
For example, it
offers auto
rental collision damage
coverage, which protects you if your
rental car is stolen or damaged when renting a
car in the U.S. or abroad.
If you make sure you have your own vehicle covered, do you need to get the special
coverage offered at the
rental counter if you go on vacation and get a
rental car?
Car rental companies will try to sell this to you as an extra, but many rewards credit cards
offer this
coverage as a complimentary benefit.
Debit cards
offer little or no additional benefits, while some credit cards
offer cash - back rewards, and major cards typically include extra benefits such as travel insurance, extended warranties, and secondary collision and theft
coverage for
rental cars (up to policy limits).
As a free perk, some credit card issuers
offer supplemental insurance, such as
car rental collision insurance, travel cancellation insurance and even cell phone replacement
coverage.
The following credit cards are some of the most popular that
offer primary insurance
coverage so you don't need to pay for the
car rental agency's CDW:
It also
offered many less - flashy travel insurance benefits that Amex already featured on its card, like
car rental coverage and trip cancellation protection.
Usually, credit cards only
offer secondary
coverage, which means you have to turn to your own
car insurance company first if you have a loss while driving the
rental car.
The Sun Country credit card
offers premium Visa Signature cardholder benefits, including
rental car coverage, roadside assistance referral services and emergency travel services.
Make sure to check what insurance options are
offered, or see what
rental car coverage comes with the credit card you use to make the reservation.
Not only is it worthwhile to check and see what travel insurance is
offered on your credit cards (for example you can skip the comprehensive
car rental coverage if you charge the
rental to a credit card that automatically covers you), but I also highly recommend getting a comprehensive travel insurance policy.
The Holland America Line Rewards card
offers premium Visa Signature level cardholder benefits, including
rental car coverage, roadside assistance referral services and emergency travel services.
Whereas many travel credit cards
offer secondary
coverage, the Preferred's primary
coverage lets you skip purchasing collision and damage insurance through your
rental company - as long as you charge the full
rental fee on an eligible
car rental to your Preferred card.
And, it will provide more than just the collision
coverage offered through the complimentary secondary
car rental insurance.
I'm happy to pay $ 25 per
rental to American Express so that they'll
offer me premium
car rental insurance, or I can let the secondary
coverage kick in for free since I sold my
car and don't have
car insurance anymore.
The card also
offers a host of benefits that can be useful to travelers, including baggage and travel accident insurance, a Global Assist Hotline that you have 24/7 access to when you travel more than 100 miles from home, premium roadside assistance, and
car rental loss and damage insurance (secondary
coverage).
Many
rental car companies may also
offer added liability
coverage, which is different than the standard LDW or CDW
coverage they
offer.
Both of the Chase Sapphire cards — Chase Sapphire Preferred ® Card and Chase Sapphire Reserve ℠ —
offer primary
car rental coverage for up to 31 days.
As with any credit card
rental car insurance, Visa Signature cards do not
offer liability
coverage.
Like other credit card
rental car insurance programs, American Express does not
offer liability
coverage.
To activate this
coverage, you have to pay with your card and decline the optional insurance
offered by the
rental car company.
Also, the
coverage offered by the card applies to all drivers that are authorized to operate the
rental car.
It
offers 2X on dining and travel, allows you to redeem points for travel at 1.25 cents per point, gives you primary
rental car coverage, and only comes with a $ 95 annual fee that you don't even have to pay the first year.
Many credit card users are familiar with travel benefits
offered by their credit cards including
car rental coverage and lost luggage protection.
Again, there are many similarities in the benefits for travel protection between these cards but I think I'd give the nod to Sapphire Preferred for the reason they
offer primary
rental car insurance and seem to
offer better
coverage for lost luggage and delays in travel.
Primary
rental car coverage is a huge benefit
offered by the Sapphire Reserve because it can save you from having to file a claim with your insurance company and keep your premiums down.
Thankfully, Chase and Citi
offer worldwide
coverage including India, but you should still ask for a
coverage letter that you can show to the
rental car company, so it won't force you to buy additional
coverage.
It
offers primary
rental car insurance, while most credit cards only
offer secondary
coverage.
The American Express Business Platinum card
offers some of the best cardholder benefits, including a wide variety of
coverage for travel - related incidents ranging from
rental car accidents to lost baggage and more.
Primary
car insurance on
rentals This is a benefit also
offered by the United Explorer card and differs from most credit cards, which
offer secondary
coverage.
On the positive side, the card's trip cancellation
coverage was raised to $ 10,000, and the Sapphire Preferred now
offers primary
rental car insurance instead of the usual secondary
coverage offered by most travel credit cards.