Sep 30, 2013, 11:04 am
Last edit by: TravelinSperry
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 above 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 above 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 ($95 annual fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Tesla's are not covered
- Chase United Club Visa Infinite ($525 annual fee) -
Guide to Benefits - 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 -
Guide to Benefits
- 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
Aug 3, 2010, 10:55 am
#46
Join Date: Aug 2010
Location: JFK/LGA/EWR
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Posts: 75
Hello Board,
The newbie's here....
So, what would be the #1 choice in credit cards for CDW? I do have Visa Signature, MC Pro, MC Business and Visa Plat Business. I travel a lot to the Dom Rep and want to make sure that I am armed with the best CC's collision insurance (in case of need).
The newbie's here....
So, what would be the #1 choice in credit cards for CDW? I do have Visa Signature, MC Pro, MC Business and Visa Plat Business. I travel a lot to the Dom Rep and want to make sure that I am armed with the best CC's collision insurance (in case of need).
Aug 4, 2010, 6:29 pm
#47
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
However I were you I would check with the CC insurance provider first before making such assumption.
Aug 5, 2010, 3:19 am
#48
FlyerTalk Evangelist
Join Date: Aug 2001
Programs: DL GM, AA Gold, Hilton Diamond, Bonvoy Plat
Posts: 12,171
Hello Board,
The newbie's here....
So, what would be the #1 choice in credit cards for CDW? I do have Visa Signature, MC Pro, MC Business and Visa Plat Business. I travel a lot to the Dom Rep and want to make sure that I am armed with the best CC's collision insurance (in case of need).
The newbie's here....
So, what would be the #1 choice in credit cards for CDW? I do have Visa Signature, MC Pro, MC Business and Visa Plat Business. I travel a lot to the Dom Rep and want to make sure that I am armed with the best CC's collision insurance (in case of need).
http://www.flyertalk.com/forum/other...-coverage.html
http://www.flyertalk.com/forum/other...edit-card.html
http://www.flyertalk.com/forum/other...r-rentals.html
http://www.flyertalk.com/forum/other...r-rentals.html
http://www.flyertalk.com/forum/other...-coverage.html
http://www.flyertalk.com/forum/other...insurance.html
Jan 21, 2011, 9:17 am
#50
Join Date: Jul 2005
Location: BOS
Programs: BA GLD for LIfe, AA PLT 2 MM miler, B6 Mosaic, Star GLD; HH Diamond; Marriott PLT, IHG Plat
Posts: 1,368
Which credit cards provide primary auto insurance coverage?
I'm going to rejigger credit cards (I have cards for 2 companies and personal use and have lots of room to move things around). I've been using Amex Platinum and paying something (maybe $19.99 per trip) for complete auto insurance coverage. The one time I needed it -- dented a car in Mexico -- it worked perfectly.
But, I was wondering which card are primary without the per trip fee. (I searched and didn't see a specific thread covering this, although I may have missed it).
Thanks.
But, I was wondering which card are primary without the per trip fee. (I searched and didn't see a specific thread covering this, although I may have missed it).
Thanks.
Jan 21, 2011, 9:42 am
#51
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
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Moderator action
I have moved shawbridge's post into this thread. Please review older posts before replying. In particular see skofarrell's post from August which contains links to several other threads.
Also, look at this thread:
http://www.flyertalk.com/forum/other...-excluded.html
Also, look at this thread:
http://www.flyertalk.com/forum/other...-excluded.html
Jan 21, 2011, 9:55 am
#52
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,263
I'm going to rejigger credit cards (I have cards for 2 companies and personal use and have lots of room to move things around). I've been using Amex Platinum and paying something (maybe $19.99 per trip) for complete auto insurance coverage. The one time I needed it -- dented a car in Mexico -- it worked perfectly.
But, I was wondering which card are primary without the per trip fee. (I searched and didn't see a specific thread covering this, although I may have missed it).
Thanks.
But, I was wondering which card are primary without the per trip fee. (I searched and didn't see a specific thread covering this, although I may have missed it).
Thanks.
Jan 21, 2011, 8:15 pm
#53
Join Date: Jun 1999
Location: San Diego, CA
Programs: AA, Hilton, Marriott
Posts: 469
Why the excitement?
I apologize in advance, but I fail to see the benefit of this "Primary coverage". In the vast, vast majority of serious accidents, bodily injury is involved, which clearly is NOT covered under this new offer. I guess if you just smash up the vehicle by sliding into a ditch or into a power pole, you're O.K., but this whole extension of coverage into the "primary" arena seems more of a marketing ploy than anything else. If you REALLY have an accident, what do you do, file a damage claim for the vehicle with your credit card company and a simultaneous claim with your own auto insurer for the bodily injury part?
Jan 21, 2011, 10:29 pm
#54
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
I apologize in advance, but I fail to see the benefit of this "Primary coverage". In the vast, vast majority of serious accidents, bodily injury is involved, which clearly is NOT covered under this new offer. I guess if you just smash up the vehicle by sliding into a ditch or into a power pole, you're O.K., but this whole extension of coverage into the "primary" arena seems more of a marketing ploy than anything else. If you REALLY have an accident, what do you do, file a damage claim for the vehicle with your credit card company and a simultaneous claim with your own auto insurer for the bodily injury part?
In Canada I notice such effect is boldly printed on the contract probably required by law.
In US the rental car contract does not specify such. However I dont believe there is 0 3rd party liability insurance on your rental car. The rental car companies dont want you to know so always push the myriad of insurance products to you.
http://en.wikipedia.org/wiki/Vehicle_insurance
Generally, liability coverage extends when you rent a car.
http://www.best-car-rental-tips.com/...insurance.html
Last edited by Happy; Jan 21, 2011 at 10:35 pm
Jan 22, 2011, 10:57 am
#55
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Location: Miami, Mpls & London
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The benefit is that you will not need to file a claim with your own automobile insurer in the event of a minor incident resulting in damage to the rental car but nothing else. (e.g. car damaged while parking).
The concern is that filing such a claim will result in higher insurance rates.
The concern is that filing such a claim will result in higher insurance rates.
Jan 22, 2011, 3:27 pm
#56
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,263
The benefit is that you will not need to file a claim with your own automobile insurer in the event of a minor incident resulting in damage to the rental car but nothing else. (e.g. car damaged while parking).
The concern is that filing such a claim will result in higher insurance rates.
The concern is that filing such a claim will result in higher insurance rates.
Jan 22, 2011, 3:45 pm
#57
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
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Jan 22, 2011, 4:40 pm
#58
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,263
Yes, you are right. However, its just a hassle to deal with two insurances when everything can be handled by the credit card insurance. Nevertheless, the fact that your car insurance premium will not be jacked up because of a claim as you pointed trumps all other reasons. ^
Sep 14, 2011, 3:23 pm
#59
Join Date: Jun 1999
Location: Rio de Janeiro, BRAZIL
Programs: AA 4MM EXP; Starwood Lifetime Plt
Posts: 2,498
credit card rental car insurance
I am in doubt about credit card insurance for rental cars outside of the US and would appreciate input. I do have a US-issued Diners card (now Harris Bank), but it has too many country exclusions for me to keep track of and also charges a 3% fee for non-US charges. In addition, many rates overseas automatically provide CDW and that invalidates Diners coverage, even if the CDW cannot be declined. I used to prefer the ex-Schwab VISA, but that is gone. Is there any credit card out there that: (1) offers non-deductible coverage outside of the US; (2) does not charge a foreign fee; (3) offers a reward or rebate system; (4) doesn’t charge an annual fee. I know that’s a lot to ask from a credit card, but the ex-Schwab VISA did offer all of those features while it was working.
Sep 14, 2011, 3:36 pm
#60
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Moderator action
I have added ajnaro's question to the Primary CDW discussion thread.
The distinction between primary and secondary coverage is only important if you have other insurance which applies to the rental. Most USA-issued auto insurance policies provide no coverage outside North America, with the result that your credit card coverage becomes your only insurance.
However, bear in mind that this only covers damage to the car itself. If you kill or injure anyone, or damage someone else's car or other property, there is no protection provided by most credit card policies.
The distinction between primary and secondary coverage is only important if you have other insurance which applies to the rental. Most USA-issued auto insurance policies provide no coverage outside North America, with the result that your credit card coverage becomes your only insurance.
However, bear in mind that this only covers damage to the car itself. If you kill or injure anyone, or damage someone else's car or other property, there is no protection provided by most credit card policies.