The Basics Of Car Rental Coverage On Credit Cards

When you travel a lot, you probably know that insurance can add a lot to the final price of rental cars. Protecting both you and the rental company from possible accidents that can occur, it is an often indispensable part of travel. One way to save yourself from this extra expense is to use a credit card with rental car insurance built in.

Don’t assume, though, that just because car rental insurance is listed in your card’s list of perks, it will provide sufficient coverage all the time. Always check with your credit issuer what types of vehicles it can cover and whether it is primary or secondary. Beware, however, that majority of rental insurance bundled with credit card benefits won’t cover more expensive, luxury vehicles.

Additionally, the rental coverage on credit cards is only an available benefit and will not be activated until you call. Make sure to ask them to enable the feature before turning down the LDW (Loss Damage Waiver) and CDW (Collision Damage Waiver) usually offered at the car rental office.

Before traveling, it’s best to ask the credit card company to provide you a written copy of the policies governing the use of the insurance. This will give you something to refer to when you’re right there at the rental counter.

Should you get in an accident, inform your own insurance company, apart from the credit card issuer. In case the card refuses to pay for the damages, your own insurance will usually cover it.