Credit Cards That Offer Primary Car Rental Insurance

SHAREShare on Facebook0Tweet about this on TwitterShare on Google+1Share on LinkedIn0Share on StumbleUpon0Pin on Pinterest1Email this to someone

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

One of the most valuable benefits of the credit cards we carry is rental car coverage. First let’s take a step back and go over what this thing called Collision Damage Waiver (CDW) is. Why do rental agencies keep trying to get us to pay for? Simply put, it’s extra insurance that will cover damages should you get into an accident. The best part…the cards in your wallet may already cover this.

Orlando International Airport – Photo: Atomic Taco via Flickr, used under Creative Commons License (By 2.0)

You also want to make sure that your card provides primary rental coverage so that you don’t have to use your own auto insurance policy to make a claim first.

Primary coverage is just one of the reasons why we love these cards:

  • Chase Sapphire cards (Both the Preferred and Reserve)
  • United Explorer Card
  • AAdvantage Platinum Select World MasterCard
  • Ritz-Carlton Rewards Credit Card
  • Discover Escape
  • Fairmont Visa Signature Credit Card
  • Ink Plus Business Credit Card
  • Citi Thank you Premier (primary coverage only on rentals abroad)
  • American Express cards (you can purchase primary coverage for a fee)

Some exclusions to the coverage your card may provide include the rental of luxury autos (don’t expect the coverage to apply to the Ferrari you’re eyeing) and the country of rental (Ireland and Italy appear on many excluded lists).

Don’t expect these cars to be covered:

Orlando International Airport – Photo: Rusty Clark ~ 100K Photos via Flickr, used under Creative Commons License (By 2.0)

Even if your card does provide CDW, it may be a good idea to go ahead and pay for the rental agency’s CDW. When we were in Italy we wanted to avoid ANY issues with the rental car so we opted in. We heard plenty of horror stories about being charged for the smallest of issues so we figured that we avoid this headache altogether. Good thing too, since we did scrape up the car a bit trying to navigate the smallest of streets in Tuscany. When we returned the car, the attendant saw the damage and noticed that we had CDW; he just waived us through as it nothing happened. All sorts of delays and paperwork, not to mention stress, were avoided.

To use your card for CDW coverage, decline the rental agency’s CDW and use your card to pay for the rental (you’ll need to be the primary renter). Check with your card to see if it’ll cover additional drivers as well.

You can find the above cards at the Top Credit Card Offers tab above.

=====

To make sure you receive our latest deals, LIKE our The Flight Deal Facebook Page, follow us on Twitter @TheFlightDeal, or subscribe to The Flight Deal RSS Feed or Subscribe via Email (Once a Day)

The Flight Deal does not sell travel products or services. We provide you with information about third-party travel suppliers’ offers, and link you to their sites. The information posted by The Flight Deal is valid at the time of publication. However, we have no control over the suppliers, and we therefore do not warrant or guarantee that their offers will not change or become unavailable. Nor are we responsible for their products, services or site content. Please see their sites for their most up-to-date offer information and all applicable terms and conditions.

Stay Informed on the Latest Deals

Sign up to receive The Flight Deal Daily DealsLetter, to stay up to date with the latest and greatest flight deals available.

SHAREShare on Facebook0Tweet about this on TwitterShare on Google+1Share on LinkedIn0Share on StumbleUpon0Pin on Pinterest1Email this to someone

written by

The author didn‘t add any Information to his profile yet.

6 Responses to "Credit Cards That Offer Primary Car Rental Insurance"

  1. HeavenlyJane says:

    Be warned. With the Ink Plus Business Credit Card, you only get primary car rental insurance, if the rental was part of a business trip.

    Reply
  2. Jesse says:

    You should also fully understand the difference between CDW / LDW and Liability. Most major credit cards will take the risk on a $20,000 car. They will not cover hospital bills and lawsuits. Your own liability may transfer but if you do not own a car, you should get the liability at the rental desk. It’s usually $10-14 per day and cannot be purchased online.

    Reply
    • Alexis Soule says:

      My experience has been that most countries I have rented in have mandatory liability which is included in the cost of the rental. However, finding out how much liability is another story. Also, my insurance would not cover liability abroad. It is not clear to me if you can buy liability without the CDW.

      Reply
  3. Alan says:

    So here is a question for you. I don’t own a car; therefore I do not have any auto insurance. It sounds like what you are saying is that if I use one of the listed Credit Cards, I don’t have to pay for ANY of the insurance offered? Or am I wrong in that understanding?

    Reply
  4. JL says:

    For AAdvantage Platinum Select World MasterCard, coverage is secondary in U.S., just like TY Premier.

    Reply

Leave a Reply

Want to join the discussion?
Feel free to contribute!

Leave a Reply

Your email address will not be published. Required fields are marked *

© Copyright - The Flight Deal

ADVERTISER DISCLOSURE: The offers that appear are from companies from which The Flight Deal receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. The Flight Deal does not include the entire universe of available financial or credit offers

EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser.