Sep 30, 2013, 11:04 am
Last edit by: SPN Lifer
Cards that include “primary” auto rental CDW insurance
Please provide a link, if possible, to the T&C that indicates the card offers primary coverage.
__________________________________________________ ____________________________________________
Chase Bank credit cards: (Note for US Citizens, ALL Chase credit cards below offer primary CDW Internationally (as long as country of residence is USA)* (see post #293 for details).
No longer offered:
J.P. Morgan Select Card
J.P. Morgan Palladium Card (discontinued)
Chase Fairmont Visa Signature
Discover Escape
Please provide a link, if possible, to the T&C that indicates the card offers primary coverage.
__________________________________________________ ____________________________________________
Chase Bank credit cards: (Note for US Citizens, ALL Chase credit cards below offer primary CDW Internationally (as long as country of residence is USA)* (see post #293 for details).
- Chase Sapphire Preferred ($95 annual fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Restrictions: none.
- Limits: no coverage for Tesla or "high value or exotic brand" automobiles. May be worthwhile to verify with Chase before renting from e.g. Silvercar. (FWIW Silvercar CS confirmed that the MSRP of their A4s are approx. $30,000 as configured.)
- Chase Sapphire Reserve Visa Infinite ($550 annual fee)- Guide to Benefits
- Limits: Up to 31 consecutive days
- Chase Ink Bold/Plus (when renting for business purposes)
- Chase Ink Preferred (when renting for business purposes) -
Guide to Benefits - Chase United MP Explorer Visa ($150 annual fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Teslas are not covered
- Chase United MP Quest Visa ($350 annual fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Teslas are not covered
- Chase United Club Visa Infinite ($695 annual fee)
- Chase Ritz-Carlton Card - no longer accepting new applications, however certain Marriott cardholders >1 year can apply for a product change.
- J.P Morgan Reserve Visa Infinite
- Limits: Up to 15 consecutive days in your country of residence and up to 31 days Internationally.
- Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
- Maximum coverage $75,000.
- Elan Financial Services Visa Infinite® Reserve Rewards+ Card ($390 annual fee) (offered via many banks and credit unions) Guide to Benefits
- Capital One Venture X Visa Infinite ($395 annual fee) Guide to Benefits
- US Bank Altitude Reserve Visa Infinite ($400 Annual fee) - PDF Download Guide to Benefits
- City National Crystal Visa Infinite ($400 annual fee) - Guide to Benefits
- Truist Visa Infinite Card ($450 annual fee, waived for wealth clients)
- UBS Visa Infinite ($495 annual fee) Benefits link
- Bank of America® Premium Rewards® Elite Visa Infinite ($550 annual fee) Guide to Benefits - doesn't specifically state primary but listed in Wiki under the assumption it mirrors the benefits of the other Visa Infinite cards (double check before applying or using for insurance).
- Maximum coverage $75,000.
- Zenus Bank Visa Infinite Debit Card (No AF, but only eligible to those with a $19.99 p/mo bank account). Can apply from over 50 countries, no need to be a US Citizen or resident. Note, this bank is not FDIC Insured. Guide to Benefits. Note: list of fees.
- Limits: Up to 31 consecutive days
- 1First Bank Beyond Ultimate Visa ($150 annual fee) Guide to Benefits - May only be available to residents of Florida, Puerto Rico, & Virgin Islands.
- Limits: Up to 31 consecutive days
- No coverage for antique, expensive or exotic cars
- Wells Fargo Bilt World Elite Mastercard (NO Annual Fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Primary CDW except for NY Residents
- Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
- Maximum coverage $50,000.
- Diner's Club MC (Personal non-corporate applications "suspended") - Guide to Benefits (Premier version, but likely the same for Elite as well)
- Restrictions: no coverage to residents of New York.
- Limits: $500 maximum for "loss of use", passenger car/SUV must have a MSRP of less than $50,000.
- American Express offers an upgradeable per rental primary CDW option for a low fee: https://feeservices.americanexpress....verage/home.do While fee based, this coverage is up to 42 consecutive days (11 days longer than Chase cards and 27 days longer than Visa Infinite coverage)
No longer offered:
J.P. Morgan Select Card
J.P. Morgan Palladium Card (discontinued)
Chase Fairmont Visa Signature
Discover Escape
Cards that include “primary” auto rental CDW insurance
Apr 5, 2012 | 4:35 pm
#151
Join Date: Jan 2005
Programs: UA GOLD MM,WN CP A+list, HH Gold,MR LT Titanium
Posts: 2,184
Apr 15, 2012 | 6:45 am
#152
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,265
So, presently, apart from Chase United Explorer card and AMEX premium car rental coverage (for an additional charge), which other credit cards offer primary car rental CDW insurance? Its been a while since we revisited the list.
Would be great if we can compile a current list of such cards. I think it will be great if we can initiate a new thread and make it as sticky. I am willing to volunteer to monitor and maintain such a thread.
Please post here names of the cards that you know of with primary CDW insurance and I will initiate the thread.
Would be great if we can compile a current list of such cards. I think it will be great if we can initiate a new thread and make it as sticky. I am willing to volunteer to monitor and maintain such a thread.
Please post here names of the cards that you know of with primary CDW insurance and I will initiate the thread.
Apr 15, 2012 | 7:08 am
#153
Join Date: Jun 1999
Location: Rio de Janeiro, BRAZIL
Programs: AA 4MM EXP; Starwood Lifetime Plt
Posts: 2,498
It seems ALL credit card car rental insurance provided by US-issued cards for rentals outside of the US is PRIMARY. Of course some countries are excluded, so it would be good to have a list of excluded countries for each card. The most troublesome point is that you must be able to decline the CDW and it is often obligatorily included in the rental rate outside of the US, so you there is no way to decline it. And even though CDW may be effectively obligatory, it can have a high exclusion, on the order of USD 2000 or more, and I have never found any credit card at all that will cover that risk. Please post if there is some way around this.
Apr 15, 2012 | 8:07 am
#154
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,265
It seems ALL credit card car rental insurance provided by US-issued cards for rentals outside of the US is PRIMARY. Of course some countries are excluded, so it would be good to have a list of excluded countries for each card. The most troublesome point is that you must be able to decline the CDW and it is often obligatorily included in the rental rate outside of the US, so you there is no way to decline it. And even though CDW may be effectively obligatory, it can have a high exclusion, on the order of USD 2000 or more, and I have never found any credit card at all that will cover that risk. Please post if there is some way around this.
Apr 15, 2012 | 10:40 am
#155
Join Date: Aug 2000
Location: Denver, CO
Programs: UA Gold, Marriott Lifetime Titanium, Hilton Silver
Posts: 425
The new Chase MileagePlus Club Card also states that it gives primary insurance - I assume it's the same coverage as the Explorer card...
Looking at the website, it doesn't explicitly state the coverage as a benefit, but the brochure I picked up with the app in it does in fact state primary insurance as a benefit. (btw, go to any United Club, fmr Red Carpet Club, and pick up an application at the check in desk that has a code to waive the $395 annual fee)
-Mike
Looking at the website, it doesn't explicitly state the coverage as a benefit, but the brochure I picked up with the app in it does in fact state primary insurance as a benefit. (btw, go to any United Club, fmr Red Carpet Club, and pick up an application at the check in desk that has a code to waive the $395 annual fee)
-Mike
So, presently, apart from Chase United Explorer card and AMEX premium car rental coverage (for an additional charge), which other credit cards offer primary car rental CDW insurance? Its been a while since we revisited the list.
Would be great if we can compile a current list of such cards. I think it will be great if we can initiate a new thread and make it as sticky. I am willing to volunteer to monitor and maintain such a thread.
Please post here names of the cards that you know of with primary CDW insurance and I will initiate the thread.
Would be great if we can compile a current list of such cards. I think it will be great if we can initiate a new thread and make it as sticky. I am willing to volunteer to monitor and maintain such a thread.
Please post here names of the cards that you know of with primary CDW insurance and I will initiate the thread.
May 9, 2012 | 4:37 am
#157
Join Date: May 2012
Programs: AA Gold, Delta Gold, SPG Gold, Marriott Silver
Posts: 26
Worried about Insurance Coverage- advice?
Hi there,
I have been reading through posts here and on some other sites and have realized I need to make sure I'm covered by insurance when I travel. I know tht sounds obvious to a lot of you, but hadn't really thought about it before! I used to travel mostly on a corporate AmEx that had very comprehensive benefits, and keep forgetting I now am on my own...
Right now I have a Chase Sapphire Preferred and a Merrill Lynch Visa. To be honest, am a bit confused by their insurance policies, and might just call their customer service lines to get some clarification. Am trying to figure out whether one of these cards already has a good enough policy, or if I should seek a 3rd card that fills in the gaps.
I'm thinking mostly of rental car insurance at the moment, since I don't have insurance (or a car!) of my own and occasionally have to rent a car during work travel for my new job. I know a lot of policies say they only function as secondary... but I don't have a primary. Does anyone know if one of my cards already suffices to cover me? I'm already considering getting a new card, so if my current cards do not suffice I want to make sure to address those gaps.
I saw a NYT article promoting the Discover Escape card bc it provides primary collision insurance and others don't. That's what got me thinking about this! Thanks for your help
I have been reading through posts here and on some other sites and have realized I need to make sure I'm covered by insurance when I travel. I know tht sounds obvious to a lot of you, but hadn't really thought about it before! I used to travel mostly on a corporate AmEx that had very comprehensive benefits, and keep forgetting I now am on my own...
Right now I have a Chase Sapphire Preferred and a Merrill Lynch Visa. To be honest, am a bit confused by their insurance policies, and might just call their customer service lines to get some clarification. Am trying to figure out whether one of these cards already has a good enough policy, or if I should seek a 3rd card that fills in the gaps.
I'm thinking mostly of rental car insurance at the moment, since I don't have insurance (or a car!) of my own and occasionally have to rent a car during work travel for my new job. I know a lot of policies say they only function as secondary... but I don't have a primary. Does anyone know if one of my cards already suffices to cover me? I'm already considering getting a new card, so if my current cards do not suffice I want to make sure to address those gaps.
I saw a NYT article promoting the Discover Escape card bc it provides primary collision insurance and others don't. That's what got me thinking about this! Thanks for your help
May 9, 2012 | 7:05 am
#158
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; HH Gold
Posts: 51,741
Moderator action
I have moved your post into the established thread on this topic.
In this circumstance the CDW benefit of any credit card becomes primary, but you need to understand that this only covers damage to the rental car itself. It provides no insurance for damage to another car, other property, yourself, or another person. The owner of the car (the rental agency) will have some insurance to cover those aspects, but you should discuss with your homeowner's insurance agent whether the liability provision of your policy would cover you in the event of a serious accident.
In this circumstance the CDW benefit of any credit card becomes primary, but you need to understand that this only covers damage to the rental car itself. It provides no insurance for damage to another car, other property, yourself, or another person. The owner of the car (the rental agency) will have some insurance to cover those aspects, but you should discuss with your homeowner's insurance agent whether the liability provision of your policy would cover you in the event of a serious accident.
May 9, 2012 | 9:29 am
#159
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,660
(If you do go down that path, I'd be interested to know how the premiums commpare.)
May 9, 2012 | 12:40 pm
#160
Join Date: Apr 1999
Location: Northport, NY
Programs: Advantage 4MM
Posts: 1,741
May 21, 2012 | 2:17 pm
#161
Join Date: Mar 2003
Location: The Dakotas
Posts: 608
Primary coverage for rental cars- old CO card now United Explorer
I had the old CO MC which offered primary coverage on rental cars. The card has now been rolled into a United Mileage Plus card. Does this still offer the same rental car insurance benefit?
May 29, 2012 | 11:26 pm
#163
Suspended
Join Date: May 2012
Location: SIN
Programs: UA 1k, AA EXP, Hyatt Diamond, SPG Platinum
Posts: 257
any chase card also have primary rental card insurance except United explorer?
I might need to trade my united explorer card for another. The only value for me about this card is its primary rental card insurance. Any card from chase also have this feature? Sapphire prefered card or united Club Card? Thanks!
