The Chase Sapphire® rental car insurance guide
Quick insights
- Rental car insurance is a benefit of select credit cards.
- When you rent a car, additional insurance may be helpful protection against the unexpected.
- Chase Sapphire Reserve® credit cards provide rental car coverage, subject to certain terms and conditions.
Whether driving to U.S. National Parks or enjoying a romantic weekend at a bed and breakfast, Chase Sapphire® credit cards can help cardmembers rent a car with confidence.
Chase offers eligible cardmembers rental car insurance as a benefit to supplement their current auto insurance policies.
How to get Chase Sapphire rental car insurance
The first step to obtaining Chase Sapphire rental car coverage is applying and getting approved for a Chase Sapphire card. Once the card is in your possession and activated, the second step is making sure the full amount of the car rental booking is charged to a Sapphire credit card. Chase Ultimate Rewards® points can also be used towards the cost of the rental car.
A Chase Sapphire cardmember must be the primary driver on the rental car agreement and must decline the rental car company’s Collision Damage Waiver when picking up the vehicle . Accepting the coverage provided by the rental car company will cancel out your benefit.
What’s covered under Chase Sapphire Preferred and Reserve car rental insurance?
Chase Sapphire cardmembers receive primary coverage for theft, damage, valid loss-of-use charges, administrative fees and reasonable towing charges due to covered theft or damage. Coverage is valid in the United States and abroad—check your cardmember insurance for details.
Where coverage is limited
Chase Sapphire Preferred provides coverage up to the actual cash value of the vehicle but excludes certain expensive and exotic vehicles. Chase Sapphire Reserve provides rental car coverage up to $75,000 and does not exclude expensive/exotic vehicles. Both cards have additional limitations including:
Only rentals lasting less than 31 consecutive days are covered. Valuables left inside a rented car that end up damaged or stolen with the vehicle are not covered.
Driving the rental car off-road can void cardmember insurance protections. Vehicles that have not been manufactured in the last ten years, motorcycles, electric scooters and mopeds aren’t covered.
Vans exceeding nine passengers, or peer-to-peer and hourly car rentals are not covered — neither are rented moving trucks and vans.
How to file a rental car insurance claim with Chase Sapphire®
Cardmembers should retain a copy of the rental car agreement to provide to the Benefit Administrator. A cardmember will also need a copy of their Chase Sapphire Reserve or Preferred statement showing that the entire cost of the car rental was paid using the card or with Chase Ultimate Rewards points. In the case of vandalism or carjacking, cardmembers should include a police report when filing their claim. Copies of the repair estimate, accident report form and photographs could also be required.
The bottom line
Car rental insurance is a benefit extended to Chase Sapphire Preferred and Chase Sapphire Reserve cardmembers. Coverage applies to rental car companies in the United States and abroad. Cardmembers traveling abroad are encouraged to contact Chase prior to departure about their international itinerary and to ensure that the country they are traveling to is included in their coverage.
