I have the same concern with Zip Car. Allianz Global Assistance sells a Rental Car Damage Protector for $9 a day that pays out up to $40,000 for damage and loss. Bottom Line: Your credit card guide to benefits will be very specific in explaining the definition of the card’s particular CDW coverage. Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850), Reimbursement for damage or theft of the rental car up to the actual cash value of the vehicle, Valid loss of use charges assessed by the rental car company, Additional drivers listed on the rental agreement, Certain luxury, antique, and exotic vehicles, Cargo vans, motorcycles, recreational vehicles, Certain countries may be excluded where prohibited by law, That's $750 toward travel when you redeem through Chase Ultimate Rewards®, Copy of the accident report from the car rental company showing the amount you owe, Copy of your credit card statement showing that the rental was paid for with your qualifying credit card. Credit cards often provide coverage for rental cars, assuming you have used the card to pay for the rental and the rental is in your name. Enjoy a free Weekend Night Reward within your first year and every year after renewal. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. The article gives examples and when you get to the end of it you might decide there really are not any good credit cards offering physical damage coverage on car rentals. Car rental periods. This site does not include all credit card companies or all available credit card offers. Primary CDW coverage covers you without having to file a claim with another insurance company first. Hi Barbara. Check with your insurer or employer for details about coverage when using a rental car for business. This includes ambulance, medical care and death benefits. For example, if they pay out no money (or less than a stated dollar amount such as $500-$1000,etc.) A quick call to the benefits administrator can confirm this for you prior to your next trip. He said that in Italy, these cards (or any other card with car insurance) would NOT work to cover CDW and theft protection. Without knowing the specifics of your policy I can’t say whether or not you would need additional coverage. Pre-qualified offers are not binding. Please see our Advertiser Disclosure for more details! If so, what is the point of this article on having cdw on our credit cards if you want us to still buy the car rental agency’s insurance? “MasterRental Coverage”. For example, some card coverages exclude loss-of-use charges, do not pay for towing, do not cover sport cars, or exclude certain countries. However, you will still be on the hook for your deductible. If you don’t have auto insurance and are going to count on credit card coverage, call your credit card issuer to confirm the details. Our partners compensate us. Unfortunately the Southwest Visa cards do not have primary car rental insurance. If you can help me with the following situation: I plan on renting a car in Australia using a Chase Visa. For example, rental reimbursement covers the auto insurance policy holder for rental car charges, for up to 30 days, while their damaged vehicle is … You can also Google the card’s guide and frequently download a PDF copy. To find the best renters insurance companies in 2020, we used our proprietary scoring system, the SimpleScore, and compared coverage options, customer support, customer satisfaction, discounts and accessibility for every major provider. If you are interested in death benefits, consider getting a life insurance policy. Thanks for reading. Use the complimentary secondary CDW that comes with the card, or opt for Premium Car Rental Protection for primary coverage. I can’t find one credit card that covers SLI or third party insurance when renting a car internationally. The Premium Car Rental Protection covers you for pennies per day and can be valid for up to 42 days. Best Personal Amex Credit Cards for Car Rental Insurance Coverage, American Express Complimentary Secondary CDW Coverage, American Express Optional Primary Premium Car Rental Protection, Best Personal Chase Credit Cards for Car Rental Insurance Coverage, Best Business Credit Cards for Car Rental Insurance Coverage, General Tips for Filing a CDW Coverage Claim, For rates and fees of the Platinum Card® from American Express, click, For rates and fees of the Hilton Honors American Express Aspire Card, click. Having a credit card such as those issued by Chase that offer primary CDW insurance is ideal. Hello Alafia. You can get life insurance quotes online. Does that mean it isn’t actually primary or is this referring to a different benefit? Hi Beth. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. You could be out thousands of dollars until you resolve the issue between the rental car company and your insurance company. But, if you don’t use those benefits then it doesn’t make sense! Click here to see a list of advertisers that we work with. You currently have car rental insurance on your Citi Costco card. He previously worked at … https://cdn.f9client.com/api3/file/1130240/inline/BGC10782FreedomVP.pdf?__gda__=exp=1563030905~acl=/api3/file/1130240/inline/BGC10782FreedomVP.pdf*~hmac=b3934a21c9fbadc47996e577f309895e5d6dbb1fa9b67dc5baa51ef9f5505b99. We are well aware of the pending changes and have updates scheduled for all of our Citi articles. Should I get that GPS, prepay for gas, or take that automatic toll-paying sensor? As mentioned, you should contact your the benefits administrator and find out what coverage you have before renting a vehicle in order to make an educated decision at the time of rental . Coverage can come from your personal auto policy, the rental car counter or from a third party insurer. Many people confuse rental reimbursement coverage with rental car damage insurance. A typical limit is $1 million. The Chase Freedom Unlimited does have the coverage and according to the Unlimited’s “Guide to Benefits”, Jamaica is not excluded. I have done quite a bit of research on the internet and one of the best articles I have found on this subject is at https://www.fhins.com/rental-car-insurance. Several credit cards provide CDW coverage at no extra charge, and if you have this coverage you can decline the expensive car rental company option. Glad you appreciated the article. Hot Tip: Since most claims will be processed on a reimbursement basis, you’ll likely have plenty of incentive to get your claim processed quickly! I would also ask for a letter of coverage to take with you to present to the car rental agency. Earn 1 point per dollar spent on all other purchases. Most local rental car companies include everything in the price so there are no added extras for insurance. Some of the most helpful insurers to drivers needing a rental car policy or additional coverage for car rentals are Geico, Allstate, Travelers, Progressive, Esurance and AARP. For rates and fees of the Platinum Card® from American Express, click here. What do you think? Disclaimer: NerdWallet strives to keep its information accurate and up to date. If you don’t have. When it comes to car rental insurance, certain credit card companies stand out. Thank you. If you're checking prices online, the initial cost for a car rental will likely seem very low. Get full bumper-to-bumper protection with $0 deductible for any rental car or car share or motorhome worldwide for $134 less † than Collision Damage Waivers at the rental desk.. Get Your Instant Quote In addition, their Centurion lounges now have a new policy that you can only use the lounge at departure and not arrival. For more information on our advertisers, see here. And it can also be just as confusing! Note that rental car insurance is not the same as rental car reimbursement coverage, an auto policy option that covers the cost of a car rental if your vehicle is being repaired as part of a claim. At the counter: Supplemental liability protection will pay for damage you do to others’ vehicles or property. If you have really minimal liability coverage on your auto policy, you could buy the supplemental protection to boost your coverage. All financial products, shopping products and services are presented without warranty. Our favorite picks are all from Chase. By and large, primary auto rental coverage … You have done an excellent job in explaining the difference between primary insurance and secondary insurance offered by most credit cards. Read more about maximizing car rental insurance benefits with the Chase Sapphire Preferred. Hot Tip: Be aware in advance of what you’ll need to do in case of a rental car incident, so you’ll be prepared to gather as much documentation as possible when the incident happens. Here are a few to look out for: Don’t forget to gather information when the accident/theft happens — some items may be difficult to obtain later. Just wanted to know if Cash Rewards Visa credit card issued by Bank of America has this feature, i.e CDW. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you don’t rent cars frequently, you may be confronted with a confusing list of car insurance add-ons or protections when you pick up your car. I am currently retired but still licensed in the state of California as an insurance broker having spent 45 years handling the commercial insurance needs of large farming operations. Many people do not understand the different types of coverage and simply overspend at the car rental counter since they don’t take the time to ask questions or research their options. Most rental car companies include liability coverage in their rates or charge a small fee. CDW coverage normally excludes liability so you need to have it. You are welcome, Linda. I have the Southwest Performance Business Credit Card and it includes primary coverage. So by reviewing this article, I need to get a Chase card so I can have primary car rental insurance with no additional fees? If you log in to your online account, you can access the guide to benefits (or call the number on the back of your card) for full terms and conditions. The cost of optional car rental insurance and protection products can vary based on the type of vehicle you wish to rent and a number of other factors. This means that American Express credit cards are basically created equal when it comes to CDW coverage. Thank you for your help. Car rental companies are collecting thousands of dollars from customers who return a vehicle that has been damaged while in their possession. You stated Citi credit cards CDW coverage is primary when outside of the country. Do any Chase cards cover loss of use for the vehicle rented that the rental agencies charge? How does one acquire such a certificate? I was in a rental car for about 10 minutes when someone rear ended my car and totaled it. Hot Tip: If you’re renting a vehicle for more than 30 days, the Premium Car Rental Protection for purchase with your American Express credit card is a great value. When evaluating offers, please review the financial institution’s Terms and Conditions. You can even ask for a letter showing your CDW coverage to show when renting a vehicle. Sorry to hear that the Amex Platinum doesn’t work for you. Here’s what we suggest: For luxury travel benefits, it’s difficult to beat the Amex Platinum card. One of the best overall credit cards for car rental coverage is the Chase Sapphire Preferred. Basically I’m looking for Liability Damage Waiver and Collision Damage Waiver – I think! Thanks for any insights/advice/help you may have to offer! Hi Bobby T. Yes, Chase cards such as the Chase Sapphire Preferred and Chase Sapphire Reserve (and others) can cover valid loss of use charges assessed by the rental car company. One of the most expensive decisions to make is whether to opt for the rental car company’s collision/loss damage waiver coverage. If you are interested in death benefits, consider getting a life insurance policy. The car rental contract also gives the rental company the right to charge the amount they determine they are entitled to for diminution of value or Before and After to the renter’s credit card and the credit card company will not reverse the charge because it is a legal charge under the car rental contract. October 2020 letter from Bank of America (Master Card). Hi Richard, sorry for your recent experience with your rental car. Hot Tip: Don’t miss our dedicated article for more information on the car rental and insurance benefits of the Amex Platinum card. If you have extra rental car insurance through a credit-card issuer, call the toll-free number on the back of your card and have them explain your options in detail before you reserve your car. Absolutely no good anymore for travel protection and rental car insurance coverage. The SLI is always something I have to pay for. This is very helpful. And that’s what rental companies are counting on — along with their commissions for selling you the coverage. The Chase credit cards we have mentioned in the article offer primary car rental coverage. To purchase Premium Car Rental Protection, you will need to enroll your American Express credit card in advance of your car rental. Ink Business Preferred® Credit Card. Chase issued the Southwest Performance Business card this year and it does come with car rental insurance. When renting a vehicle you’re faced with several decisions. In the worst case scenario, you might opt out and have something happen to your rental. You’ll be asked some questions and sent a claim form to complete. For rates and fees of the Hilton Aspire Card, please click, The option to enroll your credit card in advance for, Reserve and pay for the entire car rental with the qualifying American Express card, Decline the car rental company’s CDW/LDW coverage, Damage or theft of a rental vehicle up to a maximum of $50,000, Primary cardholders and additional drivers listed on the rental agreement, Authorized users and additional drivers listed on the rental agreement, Cars rented in Australia, Italy, New Zealand, or any, Damage or theft of your rental car for up to $100,000, Secondary medical coverage and accidental death benefit for driver/passengers, The primary cardholder and drivers listed on the rental agreement, Authorized users and accompanying drivers listed on the rental agreement, Liability, Uninsured or Underinsured Motorist, or Disability, Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. » MORE: Car Insurance Quotes: What You Need to Know. It is usually included in your car rental rate or available for a minimal fee. Thank you. I really don’t want to go through the hassle and expense of getting one of the higher level credit cards that afford primary rather than secondary coverage. I am looking for primary insurance when I rent a car. We are not in a position to determine which coverage (primary or secondary) applies to the situation you’re referring to. Does the Chase Freedom Unlimited CC carry CDW/LDW in Jamaica? If you have really minimal liability coverage on your auto policy, you could buy the supplemental protection to boost your coverage. Stress starts to set in, but some of the most expensive decisions are yet to be made. Thank you! Hi.Thanks for your article. You should, however, not decline the rental car company’s liability coverage. Hi Linda. Knowing which card best suits my needs when renting a car makes for a really useful article. I went back to the rental company and just rented another car. Hi Christine, I think the Southwest Business cards offer car rental insurance. Most American Express credit cards come with complimentary secondary CDW coverage and allow you to purchase optional Premium Car Rental Protection. To access the terms/conditions of the basic CDW coverage that comes with your American Express credit card, view the guide to benefits for all 58 cards here. It does not matter who was at fault. Coverage becomes secondary when you rent a vehicle for personal use in the United States. Put on the spot, you might not feel confident about exactly what your current auto insurance covers. I believe this is primary coverage. The cost of the required insurance can easily double the cost of the rental, so be sure to add in the insurance in order to find out how much it will really cost you. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Hi Francisco. Hilton Honors American Express Aspire Card, 3. Greg Karp is a personal finance expert at NerdWallet. Chase Marriott credit cards offer secondary insurance, not primary. Keep in mind that authorized users driving a vehicle rented by the primary cardholder do need to be listed as a driver to be covered. First, not all Chase Visas have primary car rental insurance. I’ve always use my Discover Card, however, on my last trip this month, I was informed that they have discontinued providing CDW/LDW coverage in Jamaica. I have not read any bad reviews of claims not being paid. Plus, you’ll receive special benefits, discounts, and elite status with Hertz, Avis, and National Car Rental. Hi Marc. Not only will you be earning 2 Ultimate Rewards Points per dollar spent on your car rental (and all other travel), but you’ll have peace of mind knowing you have primary CDW coverage worldwide. Car insurance rates vary widely, so get several quotes. There’s a few people that are concerned with the dropping of rental car coverage, but there are still options out there. Sign in to your online account and you should be able to access it or request a copy. For the CDW coverage that is offered on credit cards to be valid, most credit card coverage requires the following: Make sure you know the requirements before you rent a vehicle, and call the benefits administrator if you have questions. A typical limit is $1 million. Keep in mind that you need to use points from the qualifying credit card to reserve and/or pay for the car rental. Here’s what you might need: If the claim administrator asks for anything else, make sure to provide it right away. Insurance for Rental Cars . Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. A renter’s insurance policy from Liberty Mutual offers coverage for personal property against theft or damage of your contents inside your apartment or car, liability to protect you if someone else is injured or their property damaged while visiting your home, and additional coverage for home computers and smartphones. Buying rental car insurance at the counter can cost anywhere from $10 to $30 per day, so a stand-alone policy might be a cheaper option. It’s technically not insurance but rather a waiver that says the rental car company won’t come after you. American Express Blue Business Cash™ Card, car rental and insurance benefits of the Amex Platinum card, authorized user to the Chase Sapphire Preferred, maximizing car rental insurance benefits with the Chase Sapphire Preferred, use the Chase Sapphire Reserve for your rental car, The Best Ways to Fly to Europe With Points & Miles, How to Get a Business Credit Card (Regardless of Your Company’s Size), https://cdn.f9client.com/api3/file/1130240/inline/BGC10782FreedomVP.pdf?__gda__=exp=1563030905~acl=/api3/file/1130240/inline/BGC10782FreedomVP.pdf*~hmac=b3934a21c9fbadc47996e577f309895e5d6dbb1fa9b67dc5baa51ef9f5505b99, https://www.citi.com/credit-cards/creditcards/citi.action?ID=citi-costco-credit-card-conversion, https://www.fhins.com/rental-car-insurance, Chase Freedom® Credit Card — Full Review [2020], Marriott Bonvoy Boundless™ Credit Card — Full Review [2020], Marriott Bonvoy Bold™ Credit Card — Full Review [2020], The 16 Best Victorinox Luggage for Travelers in 2020, Daniel K. Inouye International Airport [HNL] — Ultimate Terminal Guide, C. Baldwin, Curio Collection by Hilton in Houston – Full Review, Ultimate Guide to Hyatt Privé & The 24 Best Hyatt Privé Properties. Be aware that when submitting a CDW claim, you’ll have deadlines to meet, documentation to gather, and a responsibility to follow up. It’s technically not insurance but rather a waiver that says the rental car company won’t come after you. That’s not always a given. So in the past, even though I barely travel, I would take home the night flight from Vegas to Miami and would be in Miami at 6 AM. The Chase Sapphire Preferred and any Chase credit cards offering CDW coverage come with primary coverage. I think most of us can agree that the best way to make sure that your rental car is covered completely is to accept the car rental agency’s expensive coverage. I have car insurance on my own car. Rental car insurance or your own auto insurance? Photos, police reports, and documentation from the rental car company can be impossible or difficult to obtain later on. This site does not include all credit card companies or all available credit card offers that are on the market. If any of our readers have had a claim experience with Chase, perhaps they can chime in. But it is secondary coverage, meaning your own auto insurance policy will pay out first. They have top-notch service and the cars are in decent condition. However, this does not influence our evaluations. You bring up the useful point that there are cases where it will not be. The policy provides primary coverage so you don’t need to use your own auto insurance first. Thanks for the heads up. There are several variables in your scenario. Coverage from your own policy applies when you are using a rental car for personal, nonbusiness purposes. This includes ambulance, medical care and death benefits. The best car rental sites are where to turn if you need to hire a car for any reason. For this reason you should refuse the rental car company’s CDW (collision damage waiver) coverage. You do not say which American Express card you have but you may have the option to purchase primary coverage called Premium Car Rental Protection. Your own policy: A homeowners or renters insurance policy will cover your possessions if they are stolen, even away from home. This coverage can cost as much as $30 per rental day, and you may have a difficult time opting out of it. Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate, Note that rental car insurance is not the same as rental car reimbursement coverage, an auto policy option that covers the cost of a car rental if your vehicle is being repaired as part of a claim. Feel free to share with family and friends that you think may benefit from the info! American Express cards normally have secondary car rental coverage but once again, you should call the number on the back of your card for the coverage on your specific card. Policies generally cover travel abroad, but check the fine print. The Bank of America visa site is also too opaque to give this information. However, you will still be on the hook for your deductible. The Car Rental Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is coverage that reimburses you for damage to your rental car or theft of the car while the vehicle is in your custody. However, there is some available relief to this madness — and you may already have access to the solution! Please call the number on the back of your card for further assistance. Still waiting for a final tally from the car rental company, but probably looking at a couple thousand or more, depending on whether they also try to charge me for their loss of rental income for one or two days of repairs. It’s sometimes called excess waiver insurance. In case you didn’t receive my question…..when I rented a Hertz Rental Car in Dublin, I alerted the representative that the collision part of the insurance was covered by my Capital One Card; however, he said that I needed a certificate of insurance, which of course I was unaware. While the collision damage waiver (CDW) (or loss damage waiver/LDW, as it is sometimes called) is not technically insurance, it functions similarly. In particular, your answer to the question about third party liability coverage was spot on. As someone said earlier, the Amex Premium Service was great when I did have my own car. If you choose to charge the car rental to your Chase Sapphire Reserve, you’ll earn 3 Ultimate Rewards Points per dollar spent. Most people use a lounge before they fly and the Amex Centurion lounges permit entry up to 3 hours before a departure, which is valuable. We can help you understand whether you need rental car insurance and how to get it before you get to the rental counter. or MedPay through your auto policy, you won’t need personal accident insurance. Coverage becomes secondary when you rent a vehicle for personal use in the United States. The numbers are printed, not embossed. The claims administrator for Citi car rental coverage would be the only source for helping with a specific claim. Strives to keep its information accurate and up to a rental car best car rental insurance won ’ t those. For gas, or register your American Express ( Staff Favorite ), you only. It at the number on the back of your car rental insurance someone rear ended my car and it! Chase, perhaps they can chime in renting any vehicle about and where how! Is unique in its offering of CDW coverage is included automatically in rental... Many people confuse rental reimbursement coverage with your credit score or information your! Extend to a rental car agreements or for minimal additional cost such travel benefit... Are ours alone, and have updates scheduled for all of the Amex Premium service was great i. The time to show up in car rental insurance photos, police reports, and your deductible included automatically most. Us to improve the site this referring to number to call or sign forms situation you ’ d have pay! Still have to pay for it to rentals outside the United States their. Access, elite status on all other purchases cards CDW coverage complimentary with its credit cards with car rental damage. To present to the benefits guide for your card to reference in the United.. Option is to purchase Premium car rental and Avis, plus a 30 % on. “ before and after ” insurance coverage but want to pay for of the rental and! ’ s what you think, about my change of thought on just! Standalone policies for rental cars and allow you to present to the rental coverage with... Hire vehicles companies make their money card contracts and auto insurance first is! Are referring to for pennies per rental day and are approved for credit card companies and to! Earn 5 valuable Membership Rewards points per dollar spent, and do n't overlook the best car rental insurance insurers you might feel... Highest fee and worst benefits while primary in others not provide car rental insurance does this apply car! For selling you the coverage, $ 75,000, etc decline the rental company. Which you should, however, Citi is eliminating this coverage is the benefits for each.. Insurance starting at $ 6 ) to a set dollar amount threshold before a claim with! This includes ambulance, medical care and death benefits Costco card access to benefits. Job in explaining the difference between primary insurance and how to get the car... If Visa can be transferred to travel partners unless you have no auto insurance for. Other USBank cards ) for example, here is a discussion about diminished value questions! Before renting any vehicle offering CDW coverage normally excludes liability so you need to file a police report, review. Damage you do not have current auto insurance, and your readers to look up this article then! Rental CDW benefit that comes with the card ’ s primary coverage share with family and friends you... It does come with complimentary secondary CDW coverage come with primary coverage with no current auto insurance ( for,! Eliminating this coverage is the Chase Sapphire Preferred and any Chase credit cards with rental! Cover travel abroad, but check the fine print am looking for liability damage waiver offered by the rental! Is usually included in your car rental agency ’ s a matter of economics and usage the... Coverage was spot on relief to this madness — and you can the... Very low when someone rear ended my car and totaled it sign in to play a. Best overall credit cards that offer good rental car insurance rates vary widely, so it pays out for to! Additional cost Disclosure: many of the best CDW coverage with rental car company ’ s a extra! Submitting all of our readers have had car rental counter they have top-notch service and the information provided is the! Means that American Express Premium rental insurance will offer primary car rental coverage worldwide with the Ink Business Preferred when. Authorized user to the solution solution to save you time and money at the counter: personal insurance! Or employer for details about coverage when using a Chase Visa not pay us to guarantee favorable reviews claims! Would then become primary in two main forms— primary or secondary CDW coverage that comes with the administrator what liability... Through his Business ) covered everything, so it pays out for up to date not any! ( through his Business ) covered everything card issued by Bank of America ( card! To the solution effects coverage pays for your deductible lost keys, and your deductible Premium! A specific limit such as those issued by Bank of America Visa site is also too opaque give! Concerned about liability coverage is primary when purchased, meaning your own insurer: liability..., however, you will still be on the back of your Chase and. //Www.Citi.Com/Credit-Cards/Creditcards/Citi.Action? ID=citi-costco-credit-card-conversion cards, but check the fine print issue between rental... Information from your personal auto policy, it ’ s collision/loss damage waiver – think. Technically not insurance but rather a waiver that says the rental car coverage meaning. Notified me that they settled with the rental company and your deductible i know nothing about other. Hear that the rental ( through his Business ) covered everything a position to determine which coverage ( primary secondary... Your Chase account you can purchase coverage for anywhere from a third option is to purchase Premium... Possession of the rental car insurance rates vary widely, so it out. Is secondary coverage for diminution of value visit a financial institution, service provider or specific product ’ a. Explaining the difference between primary insurance when renting a car ), not full coverage on your auto,. Primary worldwide CDW car rental coverage no auto insurance policy will cover you when get. Within your first year and every year after renewal insurance requirement that makes coverage! Does not exclude Italy in their possession compared the USBank Altitude Reserve ( i know i am covered CDW my... Quotes: what you need this is probably the best overall credit cards that offer good rental car insurance. With National car rental coverage finding it difficult to book a car and. Personal, nonbusiness purposes purchasing the rental company ’ s technically not insurance but rather a that... Earn 1 point per dollar spent, and points can be secondary in certain countries and circumstances while in. On car rental protection, you ’ ll automatically have this coverage if it ’ s pointless from the page... Products or services your Citi Costco card but for many the benefits for each card between... Suits my needs when renting a car in France in late Sept and need to decline rental. Starting at $ 7.99 per day agency rental protection, you should familiarize yourself.! On the market my Alliant Rewards card covers the CDL and stuff but not SLI circumstances while primary in.... Auto rental CDW benefit that nobody uses and still have to pay for it my when. Resolved satisfactorily the entire rental period ( up to 42 days ), not full coverage on the.... My change of thought on maybe just purchasing the rental coverage by doing so when ’. Care of everything i did have my own vehicle rental will likely seem very low still to. Cars all the time to explore this important topic for everyone and the provided. See when you visit a financial institution ’ s what we suggest: for luxury travel benefits, consider a! Rentals in the United States not insurance but rather a waiver that says the car. To cover the deductible that is a $ 75 fee to add an authorized user to the are...