The actual number of days can vary, but it’s worth investigating in advance - particularly if you’re planning a long trip or traveling abroad. While these policies typically protect against collisions, loss of use if the car has to be serviced, and some towing expenses, they tend not to cover any medical or legal costs that may be incurred as a result of driving the rental car.įinally, it’s important to remember that the coverage period for rental car insurance is usually limited. You may also want to find out what isn’t covered regarding the rental car. (If you don’t have auto insurance, however, both the credit card policy and the insurance from the rental car company can function as your primary policy.) Again, you’ll want to check with your provider whether the coverage is primary or secondary. If, however, you have a high deductible or low liability don’t have comprehensive or collision insurance or simply don’t want any claims filed on your personal policy, then it might be worthwhile to get insurance from the rental car company. In most cases, a personal auto policy will also cover any rental car, but you’ll want to review your coverage. When rental car insurance is offered, it is often, though not always, a secondary form of insurance coverage, meaning that it typically kicks in only after your personal automobile insurance pays. You’ll need to speak with your credit card provider to find out exactly what is excluded. And some types of rental cars (like limos, international rentals, or vans, for example) might not be covered. This might sound obvious, but for the insurance to apply, you have to book the rental carusing that credit card. Does my credit card cover rental car insurance?įirst off, it must be noted that not all credit cards cover rental insurance, and even if your credit card does, you might still have to opt in to the program. Keep reading to determine whether your credit cards cover rental car insurance. Unsurprisingly, rental car insurance offered by a credit card isn’t entirely clear cut. Sometimes this is true, sometimes it isn’t. Like Anna, plenty of us go around assuming our credit cards will protect us financially when it comes to the theft or damage of a rental car.
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