We break down everything you need to know about Capital One rental car insurance, from which cards offer it to how it works.<\/p>\n
Does Capital One Have Rental Car Insurance?<\/span><\/h2>\nSeveral Capital One cards offer rental car insurance to protect cardholders if a rental vehicle is damaged or stolen. This coverage may be primary or secondary, depending on the situation.<\/p>\n
Primary coverage means your card's insurance applies first \u2014 before your personal auto insurance \u2014 when making a claim. Secondary coverage applies after your personal policy and may reimburse costs such as your deductible.<\/em><\/p>\nWith Capital One car rental insurance, you're covered for the following events:<\/p>\n
\n- Physical damage of the covered rental car<\/li>\n
- Theft of the covered rental car<\/li>\n
- Valid loss-of-use charges imposed by the rental car company<\/li>\n
- Reasonable towing charges<\/li>\n<\/ul>\n
To be eligible for Capital One's rental car insurance benefit, you'll need to decline the collision damage waiver offered by the rental car company. You'll also need to use your eligible Capital One card to pay for your entire rental vehicle.<\/p>\n
Your Capital One rental car insurance covers you and any additional drivers added to your reservation.<\/p>\n
Exclusions from Capital One rental car insurance<\/span><\/h3>\n\n- No liability insurance:<\/strong> The Capital One auto rental collision damage waiver does not include liability insurance<\/a>. This means it doesn't cover damage to other vehicles, property, or people (including yourself). However, your personal auto insurance may cover you in those events, so it's important to check your own policy before renting a vehicle.<\/li>\n
- No breakdown or personal item coverage:<\/strong> Capital One also will not cover you in the event of a mechanical breakdown or reimburse you for the loss or theft of luggage or personal items in your rental vehicle.<\/li>\n
- No long-term rentals:<\/strong> Capital One rental coverage typically only covers rentals up to 31 days — sometimes with shorter limitations in your home country.<\/li>\n
- Country exclusions:<\/strong> Note that Capital One rental car insurance excludes coverage in the following countries: Israel, Jamaica, The Republic of Ireland, Northern Ireland<\/li>\n
- Vehicle exclusions:<\/strong> Certain vehicles are also not covered by your Capital One card's rental car insurance. If you opt to rent an antique or exotic car like an Aston Martin, Porsche, or potentially a Tesla<\/a>, you won't be covered. Trucks, motorcycles, mopeds, motorbikes, RVs, and some vans are also excluded. Check your card's benefits guide<\/a> to see all the restrictions.<\/li>\n<\/ul>\n
Which Capital One Cards Offer Rental Car Insurance?<\/span><\/h2>\nCapital One offers rental car insurance<\/a> on many of its most popular personal and business credit cards, though the type of coverage varies by product.<\/p>\nSecondary rental car insurance coverage is the most common benefit, but premium cards like the Capital One Venture X<\/a> and the Venture X Business<\/a> come with better primary rental car insurance coverage.<\/p>\nRental car insurance is available to Capital One cardholders with the following cards, so long as they are issued as World Elite Mastercard, Visa Infinite or Visa Signature. Coverage on other networks may vary by card.<\/p>\n\n
With Capital One car rental insurance, you're covered for the following events:<\/p>\n
- \n
- Physical damage of the covered rental car<\/li>\n
- Theft of the covered rental car<\/li>\n
- Valid loss-of-use charges imposed by the rental car company<\/li>\n
- Reasonable towing charges<\/li>\n<\/ul>\n
To be eligible for Capital One's rental car insurance benefit, you'll need to decline the collision damage waiver offered by the rental car company. You'll also need to use your eligible Capital One card to pay for your entire rental vehicle.<\/p>\n
Your Capital One rental car insurance covers you and any additional drivers added to your reservation.<\/p>\n
Exclusions from Capital One rental car insurance<\/span><\/h3>\n
- \n
- No liability insurance:<\/strong> The Capital One auto rental collision damage waiver does not include liability insurance<\/a>. This means it doesn't cover damage to other vehicles, property, or people (including yourself). However, your personal auto insurance may cover you in those events, so it's important to check your own policy before renting a vehicle.<\/li>\n
- No breakdown or personal item coverage:<\/strong> Capital One also will not cover you in the event of a mechanical breakdown or reimburse you for the loss or theft of luggage or personal items in your rental vehicle.<\/li>\n
- No long-term rentals:<\/strong> Capital One rental coverage typically only covers rentals up to 31 days — sometimes with shorter limitations in your home country.<\/li>\n
- Country exclusions:<\/strong> Note that Capital One rental car insurance excludes coverage in the following countries: Israel, Jamaica, The Republic of Ireland, Northern Ireland<\/li>\n
- Vehicle exclusions:<\/strong> Certain vehicles are also not covered by your Capital One card's rental car insurance. If you opt to rent an antique or exotic car like an Aston Martin, Porsche, or potentially a Tesla<\/a>, you won't be covered. Trucks, motorcycles, mopeds, motorbikes, RVs, and some vans are also excluded. Check your card's benefits guide<\/a> to see all the restrictions.<\/li>\n<\/ul>\n
Which Capital One Cards Offer Rental Car Insurance?<\/span><\/h2>\n
Capital One offers rental car insurance<\/a> on many of its most popular personal and business credit cards, though the type of coverage varies by product.<\/p>\n
Secondary rental car insurance coverage is the most common benefit, but premium cards like the Capital One Venture X<\/a> and the Venture X Business<\/a> come with better primary rental car insurance coverage.<\/p>\n
Rental car insurance is available to Capital One cardholders with the following cards, so long as they are issued as World Elite Mastercard, Visa Infinite or Visa Signature. Coverage on other networks may vary by card.<\/p>\n\n
- No breakdown or personal item coverage:<\/strong> Capital One also will not cover you in the event of a mechanical breakdown or reimburse you for the loss or theft of luggage or personal items in your rental vehicle.<\/li>\n
- No liability insurance:<\/strong> The Capital One auto rental collision damage waiver does not include liability insurance<\/a>. This means it doesn't cover damage to other vehicles, property, or people (including yourself). However, your personal auto insurance may cover you in those events, so it's important to check your own policy before renting a vehicle.<\/li>\n
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