Chase Sapphire rental car insurance: What it covers and how to file a claim


Editor’s be aware: It is a recurring put up, frequently up to date with new info.

Whether or not you are planning a cross-country highway journey or simply want a automobile to maneuver between your resort to a close-by nationwide park, rental vehicles are a typical a part of holidays. When it is time to choose up your automobile, the rental company will forestall quite a lot of choices for protection — for an extra charge, in fact.

Do you know that utilizing the appropriate bank card to pay in your rental can invoke hundreds of {dollars} in safety with none further charges?

Associated: The best credit cards for rental car insurance

Whereas planning for emergencies isn’t enjoyable, Chase Sapphire automobile rental insurance coverage can cowl issues like theft, accidents or different damages to your rental automobile. This profit is offered by two playing cards: the Chase Sapphire Reserve and Chase Sapphire Preferred Card. Whereas we are inclined to concentrate on incomes factors and redeeming them for memorable holidays, it is also vital to grasp methods to defend your loved ones in case one thing goes improper in your subsequent vacation.

Here is a better take a look at the Chase Sapphire playing cards and their rental automobile insurance coverage advantages that may present peace of thoughts the subsequent time you hit the highway in a rental automobile.

Chase Sapphire Reserve rental automobile insurance coverage

When paying in your rental automobile with the Sapphire Reserve, you’ll be able to decline the rental firm’s collision injury waiver (typically abbreviated CDW or LDW) and nonetheless be coated for as much as $75,000 of theft or collision damages to your rental automobile.

This profit offers main rental automobile insurance coverage and likewise covers charges the rental automobile firm might assess, similar to loss-of-use costs, administrative charges and even towing costs to get the automobile to a restore store.

Associated: 4 things to do once you get your Chase Sapphire Reserve

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It is vital to notice that there are restrictions to this profit. For example, it does not present different sorts of insurance coverage, similar to medical or legal responsibility safety, and it does not cowl automobile leases that final greater than 31 days. Nevertheless, it does cowl further drivers listed on the rental contract and works in most international locations all over the world.

Varieties of vehicles will not be coated by this profit, nevertheless, embody however will not be restricted to:

  • Vintage vehicles.
  • Cargo vans, vehicles, automobiles with open cargo beds and vans with seating for greater than 9 individuals.
  • Bikes and mopeds.
  • Limousines.

Protection additionally does not apply to off-road driving off highway or if you happen to’re doing something unlawful on the time injury happens.

Associated: Chase Sapphire Reserve credit card review

For extra particulars, you’ll be able to seek the advice of the total advantages information here.

Chase Sapphire Most well-liked rental automobile insurance coverage

Not like protection on the Sapphire Reserve, the advantages information for the Sapphire Preferred doesn’t record a selected greenback quantity for max protection. As a substitute, it says that protection is offered “as much as the precise money worth of most rented vehicles.”

This profit offers main rental automobile protection towards theft, injury and costs charged by the rental automobile company and is accessible if you pay in your rental with this card after which waive the injury protection supplied by the rental company.

Associated: Who should (and shouldn’t) get the Chase Sapphire Preferred?


This protection is topic to the identical limitations as that supplied by the Sapphire Reserve (talked about above), together with car varieties, not offering different insurance coverage varieties and solely overlaying leases of 31 days or much less.

Associated: Chase Sapphire Preferred credit card review

For extra particulars, you’ll be able to seek the advice of the total advantages information here.

The right way to get Chase rental automobile insurance coverage protection

To be coated by Chase Sapphire automobile rental insurance coverage, you need to pay for the rental automobile together with your card (or with factors out of your card, if reserving by the Chase travel portal) after which decline the rental automobile firm’s injury safety profit if you choose up your rental automobile. Should you select so as to add injury safety from the rental automobile firm, your bank card’s injury safety advantages (LDW or CDW) is not going to go into impact.

It is value noting that you just nonetheless can add different safety advantages to your rental — similar to legal responsibility insurance coverage, roadside dispatch or different advantages supplied by the rental automobile firm — with out dropping the rental automobile injury protections out of your Chase Sapphire card. Moreover, as at all times, you continue to ought to examine your automobile earlier than leaving the rental lot and when returning the automobile — together with taking a video of the automobile’s situation and noting any present damages.

Associated: The 1-minute video you should take every time you rent a car

The right way to file a declare

When you have an accident or your rental automobile is stolen, your first step ought to be to inform the rental automobile company and likewise notify the police within the occasion of theft. Your subsequent steps will embody submitting a declare together with your bank card’s advantages administrator.

For Chase Sapphire rental automobile insurance coverage, there are two vital dates to know. First, you need to file your preliminary declare inside 100 days of the incident. Second, your declare type have to be postmarked inside 120 days of the incident, even if you’re nonetheless gathering different paperwork. Alternatively, you’ll be able to submit your declare type on-line at by the identical 120-day deadline.

Associated: Chase Sapphire Preferred vs. Chase Sapphire Reserve insurance benefits – Which is better?


You’ll need to submit the next paperwork:

  • The accident report type.
  • Your rental settlement(s).
  • A restore estimate and itemized restore invoice.
  • Images of the car injury.
  • The police report, if one was made.
  • A duplicate of the rental automobile company’s demand later stating the prices you’re answerable for and any quantities paid on the declare to this point.
  • Bank card billing assertion exhibiting the fees for the rental.

It is attainable that your declare’s administrator might ask for added paperwork, relying in your state of affairs. Thus, you need to preserve copies of all the things associated to your accident or car theft till the declare is resolved.

Associated: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

What’s main automobile rental protection?

We have talked about a number of occasions that Chase Sapphire rental automobile insurance coverage offers main protection. However what does that imply?

Rental automobile firms sometimes provide further insurance coverage advantages for a charge, also known as “Collision Harm Waiver” or CDW. Happily, many popular credit cards offer car rental coverage and thus assist you to decline this added charge however nonetheless take pleasure in safety on the automobile. Nevertheless, the overwhelming majority of those insurance policies provide you with secondary protection. Because the identify signifies, this is able to kick in on a secondary foundation after different relevant insurance coverage insurance policies apply (particularly your personal private automobile insurance coverage) within the occasion of harm or loss to your rental automobile.

Major protection is the alternative. It kicks in first in case of a coated incident, like an accident or theft. This prevents you from needing to submit the declare to your private insurance coverage firm — which can trigger your charges to go up.

Keep in mind that this profit solely offers protection for the automobile; it doesn’t embody legal responsibility insurance coverage for injury you trigger to property, nor will it cowl accidents to you or others concerned in an accident.


Backside Line

Travel rewards credit cards can present many advantages, similar to serving to you book first-class flights or luxury hotels using points if you won’t be capable of afford the money costs for these journey experiences. Nevertheless, journey bank cards additionally present less-flashy advantages that may protect your trips during delays or when you could have issues with a rental automobile.

The Chase Sapphire Preferred automobile rental insurance coverage can cowl the price of your car, and it prices simply $95 per yr to maintain this card in your pockets. The Chase Sapphire Reserve offers top-notch protection for rental vehicles and likewise offers $300 in annual travel credits plus airport lounge access; the cardboard’s annual charge is $550.

Paying in your subsequent rental automobile with both of those playing cards can present peace of thoughts and may prevent and your family members tens of hundreds of {dollars} must you expertise issues throughout your trip.

Extra reporting by Ethan Steinberg.


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