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If you've ever rented a car, you've probably received the hard sell on purchasing insurance as part of the rental agreement. The fee can range anywhere from $10 to $50 per day, depending on many factors, including provider, your age, the country where you're renting, the coverage offered, and the type of car you'll be driving. The good news? You might not need to pay to get Collision Damage Waiver (CDW) insurance on your rental car.
Many travelers may not realize that they already carry a credit card that provides rental car insurance. Several credit cards cover cardholders against theft or damage to their rental car. Coverage usually comes in the form of reimbursement after you pay for any losses.
A topic that regularly comes up, both in blog comments and AwardWallet’s Facebook community Award Travel 101, is “How to Get Proof of Collision Damage Waiver offered by my credit card company”. Most times, it is as simple as making a phone call. But before we jump into the details, let's review some of the basics of Auto Rental CDW policies offered by major card providers.
How Does Credit Card Rental Car Insurance Work?
The auto rental coverage offered by your credit card takes the place of the traditional Collision Damage Waiver (CDW), sometimes called Loss Damage Waiver (LDW), provided by the rental company. Getting this insurance through your card can save you hundreds of dollars in additional fees.
How do you get this coverage when renting a car? Just use the card offering the highest level of coverage to pay for your rental car. Damage to the vehicle is automatically covered in the event of an accident or if the car is stolen. You will need to follow a few rules.
To take advantage of the CDW policy provided by your credit card, you must:
- First, decline the CDW offered by the rental company.
- Second, be registered as the primary renter of the vehicle.
- Third, pay for the rental in full with the card providing coverage.
You will need to check your card’s guide to benefits to determine what coverage is offered. Only a select group of credit cards offer primary rental coverage. Additionally, each credit card issuer has its own rules about what types of cars or which countries are excluded from the policy.
Credit Cards With Primary Rental Car Insurance
Some of our favorite cards providing primary rental CDW include:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- United℠ Explorer Card
- United Club℠ Card
- United Quest℠ Card
- Citi Strata Premier® Card (Primary coverage outside of your country of residence, secondary otherwise).
- Capital One Venture X Rewards Credit Card
- Capital One Venture Rewards Credit Card
You'll notice that there is only one Citi card on this list. In 2019, Citi cut back many of its card benefits. Car rental coverage was one of the casualties. It was recently restored to the Citi Strata Premier during its revamp.
Additionally, some cards offer a CDW but are no longer available to new cardholders:
- The Ritz-Carlton™ Credit Card
- Barclaycard Arrival Plus® World Elite Mastercard® (secondary coverage in the U.S., unless you have no insurance, then it's primary; primary coverage internationally)
Credit Card Rental Car Insurance Limitations
It's important to note that the CDW policy provided through credit cards does NOT provide liability insurance if another person or their property is damaged in a crash. You’ll need to confirm that this is covered by your car insurance policy at home or your travel insurance. Alternatively, you can purchase supplemental liability insurance from the rental company.
We also want to note that there are business credit cards like the Ink Business Preferred® Credit Card and the Capital One Spark Cash Plus that offer rental car coverage. However, the primary coverage is intended for rentals on business trips. If you rent a car for personal use and have an accident, you could get stuck with the bill. It's important to confirm the details with your specific cardholder so you're clear on what's covered.
Lastly, there are some common exclusions when it comes to CDW coverage:
- Reckless driving, off-roading, additional drivers not on the rental agreement
- Luxury, high-dollar, antique or collectible vehicles
- Long-term rentals (most policies cover a maximum of 30 or 31 days)
- Certain countries (check your cardholder benefits for details as this varies by bank)
Chase Sapphire Rental Car Insurance
Chase Sapphire-branded cards offer some of the best rental car insurance available through credit cards. One standout feature is primary coverage against theft or damage to your rental vehicle. That means you don't need to file a claim with your personal insurance (or any other insurer) before filing a claim under this card benefit.
If you're looking for a premium card that offers higher coverage, the Sapphire Reserve includes a higher coverage amount and fewer exclusions than the lower annual fee Sapphire Preferred (Rates & Fees). These are a few of the differences between the two cards' policies.
The Chase Sapphire Preferred® Card rental car insurance coverage comes with a reimbursement cap of $60,000 and covers many cars, minivans, and SUVs. Not covered: any antique, exotic or collectible car, cargo vans, passenger vans that can hold more than 12 people, trucks that are not pick-ups, motorcycles, mopeds, limousines, or any car considered to be high-value, like Bentley, Lamborghini, Aston Martin, and even Tesla. If you take your car off-road, your coverage may no longer protect you. This coverage also does not include damage to other vehicles, property, or persons — and only covers rentals of up to 31 days.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
- Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
The Chase Sapphire Reserve® offers a step up in coverage, with a bump up in reimbursement cap of $75,000, and extending coverage to exotic cars. It still excludes antique cars if they are 20 years or older or if they haven't been manufactured in 10 years or more. Do keep in mind that many exotic cars surpass $75,000 in value, so if you wreck that 1984 Ferrari Testarossa you just drove off the lot, you will be on the hook for the excess value over the reimbursement cap.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Related: How To Get Coverage via Chase Sapphire Preferred Auto Rental Collision Damage Waiver
American Express Rental Car Insurance
Most American Express cards offer car rental insurance coverage; however, it is secondary coverage, not primary. The Amex website has a full list of car rental insurance policies for each card. Luckily, Amex cardmembers can purchase Premium Car Rental Protection. For a modest fee of $12.25 to $24.95 per rental period — not per day — you'll get primary damage coverage for up to 42 consecutive days.
This coverage also includes accidental death and dismemberment, secondary medical expense coverage, and secondary personal property coverage.
How to Get Proof of Collision Damage Waiver for Rental Car Companies
In most cases, you won't be required to show proof of the CDW offered through your credit card. However, many rental agencies, particularly those in other countries, have little (or no) knowledge of the benefits of U.S.-issued credit cards.
Travelers are sometimes compelled to take out additional coverage when they can’t present proof of their credit card insurance policy and what it covers. If the rental company is not happy with the evidence supplied, you can find yourself paying unwanted fees for insurance you don’t need.
Even worse, the rental agency may place a significant hold on your credit card until you return the vehicle. This ties up money on your card and throws your credit utilization rate under the bus.
Related: How to Manage Your Credit Score to Unlock the Best Travel Rewards
How to request a letter of coverage
What should you do to prevent that mess? Get a letter of coverage as a precaution. The easiest and fastest way to obtain proof of coverage from your credit card provider is to call the Benefits Administrator and request it.
You will call and ask for a proof-of-coverage letter stating which countries the policy covers and what types of damage/loss it covers. Print the letter, and take it with you to the rental agency when you pick up the vehicle.
Here are the numbers you may need, but do make sure to check your card's guide to benefits for more detailed information:
- American Express
- Calling in the U.S.: 800-338-1670
- Calling from another country: 303-273-6497 (collect)
- Barclays
- Calling in the U.S.: 800-348-8472
- Calling from another country: 804-673-1164 (collect)
- Capital One
- Calling in the U.S.: 800-825-4062 for Visa cards or 877-288-6784 for Mastercards
- Calling from another country: 1-804-965-8071 (collect)
- Chase
- Calling in the U.S.: 800-350-1362 for Sapphire Preferred cardholders or 800-350-1697 for Sapphire Reserve cardholders
- Calling from another country: 214-503-2954 or 214-503-2951 (collect)
Bottom Line
Requesting a letter of coverage from your credit card provider takes a few minutes and gives you proof of rental car insurance. Doing so can save massive headaches and hundreds of dollars when renting vehicles — both domestically and abroad. Just be sure to read the policy offered on the card and read the fine print carefully. If you miss something important, you may be left to foot the bill in case of an accident or theft of your rental car.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), and Chase Sapphire Reserve® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
The Chase Ink Business Preferred card offers primary rental car insurance as a benefit when you rent a car for business purposes. This means you can file a claim directly with Chase without first filing with your personal auto insurer. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage in the US and abroad.
Note that is for buiness purposes and if you have as claim be ready to prove it
But 3 X on all travel is great
I tried calling the Capital One Number and it just tells me my phone number and hangs up not very helpful at all.
Thanks for flagging that. Capital One is still advertising this number in its latest Guide to Benefits, so hopefully it’s just a temporary issue. You might also try filing a claim online:
Capital One Mastercards: https://www.mycardbenefits.com/
Capital One Visa cards: https://www.eclaimsline.com/
Thank you very much for the information.
I am a resident of Denmark and my Mastercard doesn’t have this coverage.
Do you know if it’s possible for me to have another card with CDW coverages? Or is it only possible for US citizens?
It’s important for me to find out because I am going to rent a car in Costa Rica for more than 1 month and the insurance by the car company is very expensive.
This was valuable information! I am traveling to Jamaica tomorrow and saw that the Avis car rental T&C insist on a letter without which they will make you buy insurance. I called Chase at the Benefits number above (1-888-675-1461), and got the letter by email within an hour on a Sunday!
Thank you for the info. But since the pandemic rise in rental car rates, I have re-arranged how I travel to avoid rental cars as much as possible (replacing some flying with driving, making greater use of public transit, ride sharing, taxis, walking, bicycling). So when I do rent a vehicle, just as well to avoid all the possible hassles, based on past experience – accept the CDW/LDW. Yes, costs more, but car rental already expensive and dont rent vehicles very often, and it is nice when even after a significant damage issue, rental counter says they see that I had purchased CDW/LDW so I am free to go, do not owe ANYTHING further!
It’s a 50-50 toss up. None of these documents are valid in Mexico per most car rental requirements. You can usually get lucky, but many rental car companies demand a Spanish language copy, for example. I have been refused a rental many times due to CDW/LDW not being in Spanish.
Thank you so much. We had no luck calling numbers on the back of card, so went to Visa Signature’s website and found Benefits Administrator # 1-800-348-8472.
I rent cars in the UK (from the US) all the time using a consolidator (Autoeurope in my case) and have never had a problem until now (including renting from Europcar). My wife had to go at short notice for a family emergency and the Europcar representative wouldn’t give her the car until she took the cover. Her father was in hospital so she didn’t have time to argue. Enterprise is a bit more expensive but the service is so much better. A lesson learned.
Excellent article. But I wish they would allow you to make the request online.
Does anyone have knowledge of a card that offers CDW coverage when the car is rented through a agency such as Turo for a US rental.
Very helpful, thanks! Chase was a breeze, Citi was a pain (probably just the agent I spoke to). I’ll be using my Reserve for car rentals then.
If you’re relying on your credit card’s insurance to pay for any damage to the rental car, it’s smart to get the letter first as limits to coverage may vary from card to card. With issues involving insurance, it’s usually better to have coverage that you won’t need to use rather than need it and not have it.
And with all of these coverage options provided through credit card issuers, you can absolutely receive a copy of coverage / limits / etc.
I haven’t encountered this before but good to know.
Even with proof, some rental car counters will still give you a hard time and refuse to rent unless you take out their insurance. I’ve had a few battles over this but have won each time. Just be persistent.
I’m an expat living in Asia, no car or car insurance in USA anymore but I do rent there quite often. No liability insurance is a big issue for anyone not a resident in the US or those that do but don’t own cars and rely on uber/public transportation and car rentals when they need to drive.
I also heard some countries such as Ireland may require a recent letter
Not the case for a rental I booked at the end of last year.
We’ve needed a letter every time we go home. In the past we have always used US based Mastercard WorldCard but were told they no longer allow for CDW coverage declining in Ireland. Going to try new AmEx card this time (Sun!).
Useful info, especially when renting cars on vacation!
Some rental agencies want a current letter, a few months old is too old for them. I try to get a letter in advance, for every trip, and it comes very quickly, even while am speaking with them. In the past it could take a day!
Interesting. I’ve had no problems with 2+ year old letters, but good to know.
Very helpful advice. I’ve made note of these numbers to call for when I rent vehicles.
Wow, I never knew it was that easy. Proof of insurance has never presented any difficulty for me when renting cars abroad, but I prefer to be prepared. I’ll be making some copies of these docs, for sure.
Good tip.
Also, if you say you are resident in the UK or some other European country, you generally have the standard LDW insurance package included for close to free. (with a relatively high deductible)
This is why many overseas rental companies are perplexed by Americans booking car rentals without insurance and then claiming that they have their own insurance…
Great coverage, I only used my free cover a few months ago and saved me a fair bit of money. It’s an added perk a lot of people do not know about.
Thanks, I have a hire car rental coming up soon and forgot about this cover.
Didn’t know that cards don’t provide liability insurance. That is a big gap in coverage as medical expenses can easily be more than the cost of the car. I don’t and I’m sure many others don’t own a car and so don’t have my car insurance that would cover injury to others in case its my fault. I’ve never seen just liability insurance offered by car rental companies either, its usually one “all in” insurance option. Have you?
It depends on the agency, I’ve seen it. You should also contact your Auto insurer to see if your policy would cover you.
Is this something I can get once and then just make copies of it as needed, or is this something I would need to get for each trip for which I planned to rent a car?
Also, about how long does it take to arrive, i.e. how far in advance should I reach out to procure it?
Get 1 copy and keep it. In all cases, I’ve had the documents within hours.
Count this as one of the perks I love on my CSR card.
When Chase started covering all those countries that were banned before, I needed proof from chase, no problem at all email sent.
By now the rental companies in Israel know that chase covers CDW. So despite different devaluations and rumors about no point combining, Chase still rocks!!!
Good advice. I use amex platinum and have saved a great deal of money over the years
Good recommendation and it only took five minutes to get the Ltr of Coverage.