What to know about Chase Freedom Auto Rental Coverage*
Quick insights
- Chase Freedom Flex® and Chase Freedom® Unlimited offer Auto Rental Coverage to protect cardmembers against collision and theft.
- Chase Freedom cardmembers are eligible when they decline the rental company’s collision insurance and charge the entire rental cost to their card.
- To file a claim, visit chasecardbenefits.com or call 1-800-349-2691.
Whether you’re preparing for an adventure-filled vacation or relaxing road trip, having the appropriate coverage for your rental car can give you peace of mind. Chase Freedom Auto Rental Coverage provides reimbursement for damage due to collision or theft for most rental vehicles traveling within the U.S. and abroad.
Chase Freedom cards with Auto Rental Coverage
The following Chase Freedom cards provide Auto Rental Coverage:
Chase Freedom cardmembers may feel at ease knowing that they have auto coverage to help protect them in case there’s an incident.
How Chase Freedom Auto Rental Coverage works
Chase Freedom Auto Rental Coverage provides secondary coverage, meaning it only activates after any personal automobile insurance you may have pays up to the limits of its coverage.
Primary insurance usually covers the cost of damage or theft to a rental vehicle, including physical damage, towing charges, loss-of-use fees and other related expenses. Once the primary insurer pays up to the coverage limit, the secondary coverage kicks in to pay the remaining eligible expenses.
If you do not have personal automobile insurance or any other insurance, or you are renting outside of your country of residence, this benefit may act as primary coverage. The coverage may reimburse you for eligible theft, damage or loss-of-use charges imposed by the rental company. Additionally, this benefit may reimburse you for towing charges that occur while you are responsible for the vehicle.
Auto Rental Coverage eligibility
To be eligible for Chase Freedom Auto Rental Coverage, you need to do the following before driving off the lot with your new rental:
- Use your Chase Freedom credit card for the entire car rental transaction. Note that you should be the cardmember.
- Decline the car rental company’s collision damage waiver or loss damage waiver.
Coverage value
The maximum coverage allowed is $60,000. Chase Freedom Auto Rental Coverage covers damage, theft, valid loss-of-use charges incurred by the rental agency, administrative fees and towing costs.
Exclusions
Chase Freedom Auto Rental Coverage is limited to a rental period of 31 consecutive days or less. Below is a partial list of what’s not covered under the policy:
- Any individual’s injuries (including yours)
- Damage due to off-road driving
- Theft or damage due to driving under the influence of alcohol or drugs
Antique cars, high-value vehicles, exotic car brands and vans designed to carry more than twelve passengers are not covered. You can find the full list of what’s not covered by reviewing your Chase Freedom card’s Guide to Benefits provided after the account opening, or by calling the number on the back of your card for assistance.
Filing a claim for Chase Freedom Auto Rental Coverage
Call 1-800-349-2691 or visit chasecardbenefits.com to file a claim. It is recommended to make your claim as soon as possible but no later than 100 days from the date when theft or damage occurred. Some documents cardmembers should generally be prepared to provide copies of include:
- Accident report form
- Rental car agreement
- Estimated and itemized repair bill
- 2 photographs of the damaged rental car
- Police report (if filed)
Note that you may be asked to provide additional documents. Please review your Freedom card’s current Guide to Benefits for complete details of coverage, including the process for filing a claim.
In summary
While on the road, adequate coverage on your rental car may limit your liability for theft and damage. Chase Freedom cardmembers may review the details of Auto Rental Coverage in their credit card’s Guide to Benefits. If you’re looking for an additional layer of protection, consider using a credit card that offers this coverage.
