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Rental car insurance is a confusing topic — some might even say it is more confusing than regular car insurance. From figuring out whether or not your credit card even offers coverage to finding out what type of coverage is provided to a long list of exclusions of things that aren’t covered, it is enough to make anyone’s head spin.
But we’ve got you covered! If you’re someone who occasionally rents a car and you want a Chase credit card that offers rental car insurance, then you’ve come to the right place.
This guide provides a breakdown of how rental car insurance with Chase works, which cards offer coverage, and the type of coverage that those cards provide.
When you rent a car and pay for the rental with an eligible Chase credit card, your rental car will be covered thanks to your credit card collision damage waiver (CDW). The CDW will help reimburse you for damages or a replacement if your rental car is involved in an accident or theft.
Why is this useful? If you hold a credit card that offers a CDW, you can confidently decline the rental car company’s policy, which almost always comes at an additional fee to you.
There are 2 different types of rental car coverage, primary and secondary, and the difference between the 2 is quite important should your car be involved in an incident.
Primary coverage is applied first before any other insurance coverage you might have. On the other hand, secondary coverage is applied after your personal car insurance and potentially after any other type of travel-related insurance you have.
As you can see, the difference in coverage here is quite significant as when you use secondary coverage, you will be required to submit a claim with your personal car insurance provider first, potentially causing your premium to increase. Your secondary coverage will kick in to help cover any damage not covered by your personal policy.
Given that, we recommend that you pay for your rental car with a credit card that provides primary coverage to serve as the first line of defense and added peace of mind should anything go wrong.
It’s worth noting, though, that the following list of cards distinguishes between the cards that offer primary vs. secondary insurance in the U.S. If you’re renting a car abroad, the coverage offered by all of these cards will be considered primary.
Hot Tip: Don’t own a car and, by extension, have no car insurance policy? Secondary coverage can serve as primary coverage for you since you don’t have a personal policy that kicks in first.
So if you have a credit card that offers primary coverage and a collision damage waiver, you’re good to go, right? Well, not entirely.
Your collision damage waiver is only going to cover any damage caused to your own vehicle. It will not cover any damage caused to other vehicles, property, or injuries to you and anyone else involved in the accident.
If you have a personal car insurance policy, it will likely cover these items, but make sure to review the details of your policy first. If you don’t have personal car insurance and want to ensure these exclusions are covered, then you could always purchase a supplemental liability insurance policy.
Exclusions to a rental car insurance policy can leave you holding the bill if you aren’t aware of them ahead of time. So while this is not an exhaustive list, here are some common exclusions that apply to Chase rental car insurance plans:
Some of these exclusions might seem straightforward or obvious, and others less so, but it is crucial to make sure you know what the exclusions of your policy are so you don’t end up being responsible for more than you were planning for.
Curious which Chase credit cards offer rental car insurance, and whether or not that coverage is primary or secondary? We’ve got you covered with our complete list below.
Hot Tip: Chase credit cards aren’t your only option for rental car insurance — you can also check out our post on the best credit cards for car rental insurance coverage.
Primary
