The Chase Sapphire Auto Rental Coverage guide
Quick insights
- Chase Sapphire Preferred® and Sapphire Reserve® cardmembers receive Auto Rental Coverage as a complimentary benefit.
- To be eligible, cardmembers must charge the full amount of the car rental booking to their Chase Sapphire credit card and decline the rental car company’s collision damage waiver.
- The details of the Auto Rental Coverage are listed in the Guide to Benefits.
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 Auto Rental Coveragetravel-purchase-protection as a benefit to supplement their current auto insurance policies.disc-limitations-ny-residentsdisc-limitations-ny-residents
How to get Chase Sapphire Auto Rental Coverage
The first step to obtaining Chase Sapphire Auto Rental 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.
Chase Sapphire Preferred and Reserve Auto Rental Coverage: What’s covered?
Chase Sapphire cardmembers receive primarydisc-limitations-ny-residentsdisc-limitations-ny-residents 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 coverage for details.
Where coverage is limited
Chase Sapphire Preferred provides coverage up to $60,000 but excludes certain expensive/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 twelve passengers, peer-to-peer and hourly car rentals, and rented moving trucks and vans aren’t covered.
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
Auto Rental Coverage 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.
