A visit to car rental The accountant implies making some decisions. Will you reject the company’s insurance offer? Do you need additional coverage for your trip?
If you have insurance Travel rewards cardsYou can have car rental insurance incorporated into your benefits. But not all coverage is the same. It is important to know if your card offers primary or secondary insurance.
As the name implies, the secondary coverage kicks in second place after other types of insurance, and generally reimburses the amount that is not covered by its initial claim.
If you are interested in requesting a card with secondary car insurance (or wonders if you already have a card with this benefit), this is what you should know.
What is secondary rental car insurance?
Secondary rental car insurance is offered by many popular Rewards credit cards (including the majority American Express cards).
These policies are activated after other types of insurance, such as travel insurance or personal car insurance. This means that secondary rental car insurance can cover leftover expenses, such as deductibles. You will have to present multiple claims if you follow this route.
It is important to keep in mind that secondary coverage usually only covers the damage to the rental car itself, and rarely covers personal injuries or responsibility.
Related: Common rental rental errors and how to avoid them
How does the primary insurance secondary insurance differ?
If your card has Primary rental car insurance (or an exemption from automatic collision damage), it will generally make a single claim and receive coverage for the total rental value or cost to repair it.
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Secondary coverage generally reimburses the amount not covered by its main insurance. However, there are situations in which secondary insurance can be primary, which includes:
With the American Express Premium car rental protection program, you can add a policy that provides primary car rental insurance to an eligible Amex card for a small rate. Registration is required in advance for some of these benefits, and the terms are applied.
Related: Your car rental company has a ‘not rent’ list. Here explains how to avoid it
The best credit cards with secondary car insurance
You can expect to receive a secondary car rental insurance with the cards below.
The table mentions three American express popular cards, but most American express cards Offer secondary car rental insurance. These three letters are not the only ones that offer this benefit.
*The level of eligibility and benefits varies according to the card. Not all vehicle types or rentals are covered, and geographical restrictions are applied. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. The policies are subscribed by Amex Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
If you do not have a credit card that offers primary car rental insurance, your next best bet is a card that provides secondary insurance. Many credit cards offer secondary car rental insurance, so we have only highlighted some of our favorite options.
American Express cards
Most American Express cards Offer secondary car rental insurance* that enters into force after damage or theft of a rental vehicle in a covered territory.
This list includes popular cards such as Amex Platinum, Amex Gold and Marriott Bonvoy Brilliant. If you do not need primary insurance, you can use one of these cards and reject the rental of the rental company.
For more information about each card, see our reviews of the AMEX PLATINOhe AMEX GOLD and the Bonvoy bright.
*The level of eligibility and benefits varies according to the card. Not all vehicle types or rentals are covered, and geographical restrictions are applied. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. The policies are subscribed by Amex Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
Related: Your full guide for travel protections on American Express cards
Apply here: American Express Platinum Card
Apply here: American Express Gold Card
Apply here: Marriott Bonvoy Brilliant American Express Card
Capital One Venture Rewards Credit Credit Card and Capital One Ventureone Rewards Credit Credit
CAPITAL ONE VENTURE REWARDS CREDIT CARD AND CAPITAL ONE VENTUREONE CREDWARD CARD OFT OFT RENTAL FOR RENTAL OF DAMAGE EXENT.
The insurance is secondary when he rents within his country of residence and primary when he rents outside it. However, the benefits are available only in accounts approved for the Visa firm cardand terms apply.
For more information about each card, see our complete reviews of the Capital One Venture Rewards and the Capital One Ventureone.
Learn more: Capital One Venture Rewards CED CED Credit
Learn more: Capital One Ventureone Rewards CED Credit
Chase Freedom Flex and Chase Freedom Unlimited
If you are looking for a Non -annual rate credit card which offers secondary car rental insurance, Chase Freedom Flex and Chase Freedom the attention of unlimited merit.
These cards provide insurance for theft and collision damage for most cars in the United States and abroad.
Although none of the cards has an annual rate, both cards charge a 3%foreign transaction rate. Therefore, using these cards to pay a car rental outside the US. UU would add damage protection but would increase their rental cost.
For more information, see our complete reviews of the Freedom Flex and Unlimited freedom.
Apply here: CHASE FREEDOM FLEX
Apply here: Chase Freedom Unlimited
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The secondary coverage of rental cars is valuable for those with personal car insurance, since it helps to cover the costs that primary coverage does not, as a deductible.
It is good to consider your plan in case of theft or damage to a rental car. Just remember that you will have to place more than one claim if you decide to rely on a combination of primary and secondary insurance.
Related: How to omit Long Rental Collection Lines Free
For the rates and rates of the Amyx Platinum, click here.
For the rates and rates of the AMEX Gold, click here.
For bonvoy brilliant rates and rates, click here.
For Capital One products listed on this page, Visa® or Mastercard® can provide some of the benefits and may vary according to the product. See the respective guide of the benefits to obtain details, as the terms and exclusions apply.
