They also do not cover non-passenger car vehicles (that means no pickup trucks or vans!). Primary car rental CDW insurance means that even if your rental car is damaged, the credit card will handle all covered costs (again, subject to their fine print!) without you having to involve your own insurance.Īlso keep in mind that these will not cover extended rentals, generally over 28-30 days. While a great many credit cards offer “secondary” insurance, which means they will cover the excess after you file a costly claim with your own car insurance provider, a handful of cards offer primary coverage. For example, many credit card CDW coverages exclude cars over a certain value (or car types) and exclude various countries, such as Italy, Ireland, New Zealand, Jamaica, Australia, and Israel. In all cases, you’ll want to make sure that you reserve and pay for the car rental with your credit card with the coverage, decline the rental company’s CDW (but do take the liability coverage if you don’t have personal insurance – that’s important!) and you make sure that your rental meets all applicable terms of the provided insurance. Credit Cards with Included Primary CDW Insurance Using a credit card with Collision Damage Waiver (CDW) insurance included means you can decline that (often very expensive!) coverage at the car rental counter. If you had to file a claim, you’d call the number in your benefits guide or reach out to Capital One customer service.When choosing a credit card, one consideration is the car rental insurance coverage provided. In some cases, this means your rates wouldn’t go up. If you have the Venture X, coverage is even better - collision claims don’t even go through your personal insurance. If you don’t have your own insurance, they cover it all. If you have the Venture card, that insurance covers damage to the rental that your personal car insurance won’t cover. You can buy from the rental company or if you’re someone who rents cars several times a year, get a rental-only policy from an insurance company. Credit-card insurance only covers the rental vehicle itself. If you don’t have a car, you need to buy liability insurance in case you damage someone else’s property, such as their car. Check with your insurance company if unsure. I think most companies - definitely GEICO and Progressive - cover liability when you’re in a rental car. If you have your own car (or are listed on a car-insurance policy), you probably have liability coverage. The info you’re looking for is in the Guide to Benefits that came with your card.ĭecline the collision damage waiver at the rental car company. We may make an exception if it's truly unique and helpful.Īside from Amex and Discover, most banks don’t offer online chat. Self-promotional posts must be pre-approved by a mod. Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests CreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service
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