Chase Sapphire Car Rental Insurance

The Chase Sapphire credit card is known for its numerous benefits, including travel insurance perks such as car rental insurance. This insurance is often overlooked, but it can save you hundreds of dollars on your next rental car. In this article, we will explore the details of Chase Sapphire car rental insurance, including coverage, limitations, and frequently asked questions.

What is Chase Sapphire Car Rental Insurance?

Chase Sapphire car rental insurance is a benefit that comes with the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards. It provides primary coverage for damage to your rental car and theft up to the cash value of the vehicle. This means that you can decline the rental car company’s insurance and use your Chase Sapphire card to pay for the rental, and you will be covered in case of an accident or theft.

It’s important to note that this coverage only applies to rental cars and not to cars that you own or lease. Additionally, it only covers the rental car itself and not liability for any injuries or damages that you may cause to other people or property. You should always carry liability insurance when driving any vehicle.

How to Activate Chase Sapphire Car Rental Insurance

In order to activate your Chase Sapphire car rental insurance, you must decline the rental car company’s insurance and use your Chase Sapphire card to pay for the rental. You must also be the primary renter and use the card in your own name.

If you have multiple people renting the car, make sure to use a credit card in the name of the primary renter to activate the insurance. Additionally, make sure that the rental car agreement names the primary renter as the driver.

Coverage and Limitations of Chase Sapphire Car Rental Insurance

Chase Sapphire car rental insurance provides primary coverage for damage to your rental car and theft up to the cash value of the vehicle. This means that you do not have to file a claim with your personal auto insurance, and there is no deductible.

The coverage also includes loss of use, which means that you will be reimbursed for the rental car company’s daily rate while the car is being repaired or replaced. However, this coverage does not apply to loss of income that the rental car company may have incurred if they are unable to rent the car out to another customer.

There are a few limitations to the coverage provided by Chase Sapphire car rental insurance. It does not cover:

• Damage to other cars or property
• Injuries to yourself or others
• Cars rented for more than 31 consecutive days
• Cars with a cash value over $75,000
• Cars used for commercial purposes
• Cars rented in certain countries, such as Israel, Jamaica, and Ireland

If you are unsure whether your rental car is covered, you can call the number on the back of your Chase Sapphire card to check.

Frequently Asked Questions

How much does Chase Sapphire car rental insurance cost?

Chase Sapphire car rental insurance is a benefit that comes with the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards. There is no additional cost for the insurance as long as you use your card to pay for the rental car and decline the rental car company’s insurance.

Do I need to sign up for Chase Sapphire car rental insurance?

No, you do not need to sign up for Chase Sapphire car rental insurance. It is a benefit that comes with the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards. Simply use your card to pay for the rental car and decline the rental car company’s insurance to activate the coverage.

What do I do if I get in an accident with a rental car?

If you get in an accident with a rental car, the first thing to do is make sure everyone is safe and call emergency services if necessary. Then, call the number on the back of your Chase Sapphire card to report the accident and start the claims process.

Does Chase Sapphire car rental insurance cover international rentals?

Chase Sapphire car rental insurance covers rentals in most countries, but there are a few exceptions. Cars rented in Israel, Jamaica, and Ireland are not covered. Additionally, coverage may be limited in some countries due to local laws and regulations. Always check with your credit card company before renting a car in a foreign country.

Do I still need to carry liability insurance if I have Chase Sapphire car rental insurance?

Yes, you should always carry liability insurance when driving any vehicle. Chase Sapphire car rental insurance only covers damage to the rental car itself and does not provide liability coverage for injuries or damages that you may cause to other people or property.

Conclusion

Chase Sapphire car rental insurance is a valuable benefit that can save you money and provide peace of mind on your next rental car. It provides primary coverage for damage to the rental car and theft up to the cash value of the vehicle. However, there are limitations to the coverage, and you should always carry liability insurance when driving any vehicle. Make sure to use your Chase Sapphire card to pay for the rental and decline the rental car company’s insurance to activate the coverage.