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 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.<\/p>\n 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.<\/p>\n To take advantage of the CDW policy provided by your credit card, you must<\/strong>:<\/p>\n You will need to check your card\u2019s guide to benefits<\/a> 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.<\/p>\n Some of our favorite cards providing primary rental CDW include:<\/p>\n You'll notice that there is only one Citi card on this list. In 2019, Citi cut back many of its card benefits<\/a>. Car rental coverage was one of the casualties. It was recently restored to the Citi Strata Premier<\/a> during its revamp.<\/p>\n Additionally, some cards offer a CDW but are no longer available to new cardholders:<\/p>\n 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\u2019ll 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.<\/p>\n We also want to note that there are business credit cards like the Ink Business Preferred\u00ae<\/sup> Credit Card (Rates & Fees<\/a>)<\/a> and the Capital One Spark Cash Plus<\/a> 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.<\/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>). These are a few of the 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: 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.<\/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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