Additionally, liability insurance is typically not included so you wouldn’t be protected from costs in the event you damage or injure passengers in another vehicle. Personal belongings (such as a purse or wallet stolen from a car) are often excluded from coverage. There is also a limit on the amount of days coverage is valid so, for example, you might be covered for a rental for up to 20 consecutive days in your home country or up to 30 consecutive days in foreign countries. Some credit cards may also put limits on the type of vehicles you can rent, and may exclude specialty vehicles, like vans, vintage cars, exotic or luxury cars like Lexus, Alfa Romeo and Ferrari and motorcycles. You’ll also normally have to decline the rental agency’s collision damage waiver for your credit card insurance to kick in.įurthermore, most credit card providers put a cap on the value of the car they will cover (for example, a car with a manufacturer’s suggested retail price up to a max of $75,000). Limits + exceptions to credit card car rental insuranceįor your credit card insurance protection to be valid, you’ll have to pay for the rental with the card offering the insurance. The cardholder will usually be required to be the primary renter, and denerally, secondary drivers will only be covered if they are listed as drivers on the rental contract. Sometimes referred to as collision damage waivers (CDW) and/or loss damage waivers (LDW), these policies generally cover damage and theft of any rental car you charge to the card, up to the value of the vehicle. With the right card, you could save hundreds of dollars and enjoy a stress-free rental process. Road trips can be a big part of the travel experience so it’s no surprise that many credit cards (especially travel rewards cards) offer rental car insurance. Terms and limitations may apply to offers and benefits mentioned on this page. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Going and CardRatings may receive a commission from card issuers. Going has partnered with CardRatings for our coverage of credit card products.
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