Originally Posted by
manohman
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I don't really foresee an issue if you use a contract ID that is for personal use. Unless you kill or seriously injury someone, neither the rental agency or credit card insurance are going to ask you for proof. It's simply irrelevant.
What if it's just $5,000 in damage to the vehicle and a broken leg or some such for a passenger or pedestrian?
The question is your risk tolerance. Indeed, any coverage you have under any form of affinity discount, e.g. contract ID or coupon, is voidable and most other policies are voidable if the underlying contract is fraudulent.
At what point an insurer decides to do some checking is a crap shoot. So, whether your fraud works or not isn't something you can predict up front.