Chase Car Rental Insurance Guide
Insurance is one of those things you hate that you have to pay for, but you're glad to have it. Luckily, your Chase Sapphire, Ink, and Ritz-Carlton cards come with built-in car insurance that can save you money on rentals. In this post, we'll give you a cheat sheet of sorts as a Chase car rental insurance guide. One you can have on hand with you anywhere you have your phone.
Knowledge is Power – And It's In Your Pocket
This post is part two of our four-part Chase travel insurance series. Optimized for viewing on a smartphone without scrolling and searching, you will find the answer to “does my card cover that?” quickly and painlessly. Refer to your card's guide to benefits for full details. Chase switched insurance providers from eclaimsline to Assurant in October 2024, so make sure you get the more current guide to benefits. Most coverage remain the same, but there are some minor changes. Bear in mind that these infographics are for quick reference, and Chase can change this insurance at any time.
Cards That Offer This Coverage
Here are the credit cards that we will be covering in this Chase car rental insurance guide (also included in the savable image below):
- Sapphire Preferred
- Sapphire Reserve
- Ink Business Preferred
- Sapphire Reserve for Business
- Ink Business Premier
- Ritz-Carlton Visa
Things can be a bit different with business cards when it comes to car rental coverage. Make sure you are aware of when it matters if the rental needs to be a business expense or not.
Chase Car Rental Insurance Guide: Save This Photo to Your Phone!
Here's an iPhone trick I didn't know until recently. When you open up your photos, you can search for words that appear in your pictures. In this case, when you save these guides, you can open your photos app, tap the search button at the top, type in “Insurance,” and voila – your guides are right there at your fingertips. No googling or scouring articles and forums for the relevant information. We did all the work for you!
Primary Rental Car Coverage & Why It Matters
This is one of the huge benefits that Chase offers. Primary CDW insurance can save you lots of money by declining the insurance the rental company offers. Make sure to read through this one carefully; some limitations apply to vehicle coverage. For example, if you're booking with your Sapphire Preferred, you may want to skip the Mercedes in the National Emerald Aisle if your personal auto insurance doesn't cover rentals. You could be personally liable for costs above your card's coverage limits. New York residents renting in the US take note – Chase's CDW is secondary if you already have car insurance. One last instance is that Chase can deny your claim if you used a business credit card for a personal trip in the US. Outside of the US, CDW is primary on business cards.
Chase Premium Card Car Rental Insurance: ToP Thoughts
There is a LOT to unpack when reading through the 40-page guide to benefits on your Chase cards. The majority of people in the points and miles game have at least one premium Sapphire or Ink card, and Chase offers best-in-class protections for credit card holders. I sincerely hope these infographics help sift through the fine print and help you save the day when travel plans go sideways. Have you used Chase's car rental insurance? Share your successes or fails in the ToP Facebook group!
Other Guides In This Series
Here is a list of all of the guides in this series:
- Trip delay & cancellation insurance guide
- Car rental insurance guide (this article)
- Lost & damaged luggage guide
- Travel accident & emergency evacuation insurance
