Does Chase Sapphire Cover Rental Car Insurance?

As some of the most popular credit cards in the world, Chase Sapphire cards offer significant benefits, including rental car insurance.

In this guide, we'll break down the cover Chase Sapphire cards offer, and what it really means for you when renting a vehicle.

What does Chase Sapphire rental car insurance actually cover?

Here's a general overview of rental car insurance available as a complimentary benefit of Chase Sapphire Preferred® and Sapphire Reserve® cards. You can find more information about Chase Sapphire car rental insurance on the Chase Sapphire website.

Contact Chase Sapphire directly for more precise information.

Topic	Covered by Credit Card Provider	Not Covered / Limitations
Collision Damage	Up to $60,000 for Chase Sapphire Preferred® and up to $75,000 for Chase Sapphire Reserve®.	Charges beyond this amount are not covered.
Theft	Up to $60,000 for Chase Sapphire Preferred® and up to $75,000 for Chase Sapphire Reserve®.	Valuables inside a stolen vehicle are not covered.
Liability	N/A	No liability coverage.
Loss of Use	Valid loss of use charges imposed and substantiated by the rental agency are covered.	Certain exclusions may
Vehicle Types	Many standard rental vehicles.	Exclusions apply for antique cars, cargo vans, trucks (other than pick-ups), motorcycles, mopeds, passenger vans with seating for more than 12 people including the driver, and more.
Country Restrictions	Most nations around the world are covered.	When travelling abroad, you should contact Chase prior to departure to ensure that the country you are traveling to is covered.

Is rental car insurance from Chase Sapphire enough on its own?

Unlike many other credit card rental car insurance policies, Chase Sapphire policies function as primary rental car insurance rather than secondary insurance. This sets it apart from other credit card companies like American Express.

That means that you lodge claims with Chase Sapphire directly, rather than needing to first deal with a different insurer like your personal auto insurance.

That said, there are some notable gaps in Chase Sapphire's coverage, including a lack of liability coverage and no coverage for rental periods over 31 days. This can require you to lean on other insurance policies for full coverage.

How RentalCover offers more complete coverage

While Chase Sapphire's rental car insurance benefits can be appealing for customers, many travellers can get more value from what RentalCover offers. Here are a few areas where our cover stands out:

We offer liability insurance on our policies, offering cover for injury or damage done to other people or property. This is not an inclusion on Chase Sapphire policies.
We can offer cover for rental periods up to 1 year. With insurance from Chase Sapphire, only rentals lasting less than 31 consecutive days are covered.
We can offer cover for rental vehicles with a capacity of up to 14 passengers. Chase Sapphire does not offer cover for vehicles exceeding 12 passengers.

Not sure that Chase Sapphire cover is right for you? Get an instant quote today and find out if RentalCover is more suitable for you.

Checklist: How to verify your policy details

Here's how to make sure you have a complete understanding of what your Chase Sapphire credit card covers you for:

Benefits Guides: Refer to Benefits Guides on the Chase Sapphire website to get a better idea of the coverage it offers.
Check for exclusions: Make sure you have a complete understanding of what your credit card cover excludes. That way, as you travel, you know what you’re covered for and what you aren’t.
Refusing rental company insurance: Check your cover so you understand what rental car company insurance you need to turn down to make sure your credit card insurance applies.

Get in touch: If you have any lingering questions about your cover, contact your Benefits Administrator directly. Make sure all your questions are answered before your rental period begins.

Choose RentalCover for rental car insurance

Need rental insurance with liability cover that offers policies for more than 31 days? Choose RentalCover for your next hire vehicle.

With cover for vehicles with a capacity up to 14 passengers as well as nothing to pay in the event of a claim, we offer comprehensive insurance to help more travellers explore with peace of mind.

Get your instant quote today and get the rental vehicle insurance you need for peace of mind.

FAQ

Do I need extra rental car insurance if I have coverage through Chase Sapphire?

Unlike many other credit card companies, Chase Sapphire offers primary rental car coverage. This reduces the need to involve other insurers like your personal car insurance before your cover from Chase Sapphire kicks in.

However, due to limitations in the cover offered by Chase Sapphire, you could find yourself out-of-pocket if you rely solely on these insurance policies. For example, Chase Sapphire's policies do not include any liability coverage. So, you will need some additional cover to fill in this gap.

Does Chase Sapphire rental car insurance cover luxury or specialty vehicles?

Chase Sapphire rental car insurance can include cover for "expensive/exotic vehicles", but only for Chase Sapphire Reserve® cardholders. Chase Sapphire Preferred® coverage excludes coverage for "exotic vehicles or any vehicle with a dealer or manufacturer’s suggested retail price greater than $125,000."

How long can a rental car be covered under Chase Sapphire's insurance policy?

The maximum rental period for a car covered under Chase Sapphire's rental car insurance is 31 consecutive days.

Does Chase Sapphire require the entire rental to be paid using the card to qualify?

Yes, you must pay for the entire cost of your car rental with a Chase Sapphire card in order to receive rental car insurance coverage.

Do I need to decline the rental company’s damage waiver if I use Chase Sapphire for coverage?

Yes. In order to activate your Chase Sapphire coverage, you must decline the Collision Damage Waiver offered by your rental company.

You'll have to weigh up these two options and decide which form of cover is better for you. You should also consider options like RentalCover, which offers superior coverage to CDWs rental companies offer while being 50% cheaper†.

What documents will I need when making a rental car insurance claim with Chase Sapphire?

You'll require the following documents to lodge a successful Chase Sapphire rental car insurance claim:

A copy of the rental car agreement.
A copy of your Chase Sapphire Reserve or Preferred statement showing that the entire cost of the car rental was paid using the card or with Chase Ultimate Rewards points.
In the case of vandalism or carjacking, cardholders should also include a police report.
Repair estimates, accident report forms and photographs may also be required.

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