A topic that regularly comes up, both in blog comments and AwardWallet\u2019s Facebook community Award Travel 101<\/a>, is “How to Get Proof of Collision Damage Waiver offered by my credit card company”. <\/em>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.<\/p>\n The auto rental coverage offered by your credit card replaces 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.<\/p>\n How do you get this coverage when renting a car? Use the card that offers the highest level of coverage to pay for your rental car. You will need to follow a few rules to ensure the vehicle is covered in\u00a0an accident or if the car is stolen.<\/p>\n To take advantage of the CDW policy provided by your credit card, you must<\/strong>:<\/p>\n It's important to check your card\u2019s guide to benefits<\/a> to confirm what coverage it offers. 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.<\/p>\n Some of our favorite cards providing primary rental coverage include:<\/p>\n Note: For the two Citi cards, coverage is primary outside your country of residence, but secondary otherwise.<\/p>\n $95Rates & Fees<\/a><\/span><\/p><\/div> Excellent, Good<\/p><\/div><\/div> $0 intro annual fee for the first year, then $150Rates & Fees<\/a><\/span><\/p><\/div> Excellent, Good<\/p><\/div><\/div> $95Rates & Fees<\/a><\/span><\/p><\/div> Excellent, Good<\/p><\/div><\/div> Additionally, some cards offer a CDW but are no longer available to new cardholders:<\/p>\n The CDW policy provided through credit cards does NOT provide liability insurance or cover injuries, damage to personal property, or damage to other vehicles. Instead, confirm that your personal car insurance or travel insurance covers this. Alternatively, you can purchase supplemental liability insurance from the rental company.<\/p>\n We also want to note that business credit cards like the Ink Business Preferred\u00ae<\/sup> Credit Card<\/a> (Rates & Fees<\/a>) and the Capital One Spark Cash Plus<\/a> offer rental car coverage. However, the primary coverage is intended for rentals on business trips. If you rent a car for personal use and get into an accident, you could be stuck with the bill. Confirm the details with your card issuer so you know exactly what's covered.<\/p>\n Lastly, there are some common exclusions when it comes to CDW coverage:<\/p>\n 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.\u00a0That 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.<\/p>\n If you're looking for a premium card that offers higher coverage, the Sapphire Reserve<\/a> includes a higher coverage amount and fewer exclusions than the lower annual fee Sapphire Preferred<\/a> (Rates & Fees<\/a>). For both cards, the coverage does not include damage to other vehicles, property, or persons, and covers rentals of up to 31 days. Here are a few differences between the two cards' policies.<\/p>\n The Chase Sapphire Preferred\u00ae<\/sup> Card<\/a> rental car insurance coverage comes with a reimbursement cap of $60,000 and covers many cars, minivans, and SUVs. Not covered: exotic vehicles or any vehicle with a retail price greater than $125,000, antique cars, cargo vans, trucks (other than pick-ups), motorcycles, mopeds, motorbikes, limousines and vehicles that are rented with a driver, recreational vehicles, and passenger vans with seating for more than 12 people including the driver. If you take your car off-road, your coverage may no longer protect you.<\/p>\nHow Does Credit Card Rental Car Insurance Work?<\/span><\/h2>\n
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Credit Cards With Primary Rental Car Insurance<\/span><\/h2>\n
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Credit Card Rental Car Insurance Limitations<\/span><\/h2>\n
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Chase Sapphire Rental Car Insurance<\/span><\/h2>\n
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