Chase sapphire reserve rental car insurance

Chase Sapphire Reserve Auto Car Rental Policy Question:

Chase Sapphire Reserve Auto Car Rental Policy Question:

What do I do if I have an accident or the rental vehicle is stolen? Call the Benefit Administrator immediately to report theft or damage, regardless of whether your liability has been established. The Benefit Administrator will answer any questions you or the rental agency may have and will then send you a claim form.

If renting in California:

What steps do I need to take to ensure that Auto Rental CDW is in effect when I rent a vehicle?

Here’s what you need to do:

1) Initiate and complete the entire rental transaction using your card that is eligible for the benefit.

2) Decline the rental company’s collision damage waiver or similar provision if it is offered to you. The company may refer to the collision damage waiver as CDW or LDW in their contract or when speaking with you. If you accept the collision damage waiver offered by the rental company, you will not be eligible for Auto Rental CDW.

How Chase Sapphire Preferred Rental Car Insurance Saved me over $700!

I have always wondered about the rental car insurance that comes with your credit card and how well it would really work if you needed it. Well, as luck would have it, I was able to put the insurance question to the test on a recent trip to Florence, Italy where my Chase Sapphire Preferred Rental Car Insurance saved me over $700 on a fender bender…

Putting Chase Sapphire Rental Car Insurance to the test…

I had almost made it. We were on our way to the airport, having finished a great 2 day drive through the Tuscan countryside, which is probably the best driving experience I have ever had. Driving a manual transmission through the winding hillside roads and villages of Tuscany. I highly recommend it!

However, driving around the Florence airport is anything but relaxing. Traffic can get very congested and the signs leading to the rental car return and not well marked.

As we were approaching the airport, I made a wrong turn into the airport emergency vehicle lot. The entrance was blocked, so I thought I would just put it in reverse and get back on the road. But…..I didn’t see the concrete barrier and bumped right into it…

Darn it! I was minutes away from a perfect driving record in Italy…

Oh well… I finally found my way to the rental car return and told the guy at Avis about the incident. He quickly printed out my receipt with a damage estimate. Apparently the rental car companies have a list of predetermined costs for various types of damage. In this case, Rear Bumper Damage is 439 Euro + 20% VAT tax (making that a $700 bone-headed move!)

Luckily, I paid for the rental with my Chase Sapphire Preferred Card and waived the insurance from Avis, since the Sapphire Preferred card comes with Auto Rental Collision Damage Waiver. I chose to use this credit card to pay for the car rental for two reasons:

1. No Foreign Transaction Fees: This is a great benefit for international travelers. It will save you from having to pay the 3% surcharge placed on international credit card transactions.

2. Auto Rental Collision Damage Waiver: The Chase Sapphire Preferred Rental Car Insurance feature provides coverage, at no additional cost, for damage due to collision or theft when you charge the entire rental to your covered card and decline the collision damage waiver offered by the rental policy.

I must admit that I was a little skeptical if they would actually honor the coverage. It took a little while but they did.

Chase Sapphire Preferred Rental Car Insurance: The Claims Process

September 30 – Date of the Accident

October 1 – I returned home and called Chase. They actually redirected me to Visa, as it is actually Visa that covers the claim, not Chase. Visa asked me to fill out an “Auto Rental Collision Damage Waiver Benefit Claim Form”. They said that upon their receipt of this completed document, they would get back in touch with me regarding next steps.

November 2 – I received the following letter from Visa, indicating the remaining information that is needed to finalize my claim.

November 2 – December 15 – It took me a little while to gather all of this information. I had to call the Avis international customer service number to get the relevant repair information and incident report, but they eventually got it for me.

January 16 – I get an email stating that I will get a credit on my upcoming Visa statement for the damage. They covered everything. I went to my Chase.com account and saw that the credit for the claim actually posted on the same day I received this email.

Saved by my card! The Chase Sapphire Preferred Rental Car Insurance Coverage is the real deal!!

Overall it was a bit of a pain to go through all of the paperwork associated with making the claim. But the reality is, I screwed up and they covered me. Going forward I will always make sure to use my Chase Sapphire Preferred Card for any international car rental.

Key Point – Check with your credit card provider to see if they provide Primary or Secondary Insurance for the car. This makes a big difference and you need to be aware of the implications.

Primary insurance is good, Secondary insurance really only covers you beyond what your “primary insurance provider” (your car insurance provider) is willing to cover OR if the primary coverage doesn’t apply (such as on international trips).

In my case, this was an international trip, so Visa acted as my primary coverage.

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after you spend $4,000 on purchases in the first 3 months from account opening * — that's $750 toward travel when you redeem through Chase Ultimate Rewards ® .

$450 annual fee dagger † ; $75 for each authorized user dagger † ,*

Chase Sapphire Reserve Card Art

Named a "Best Travel Credit Card for 2017" by MONEY ® Magazine **

$450 annual fee dagger † ; $75 for each authorized user dagger † ,*

TRAVEL CREDIT *

  • 3X POINTS ON

    TRAVEL AND DINING *

  • 50 % MORE IN

    TRAVEL REDEMPTION *

  • ELITE TRAVEL

    CHASE SAPPHIRE RESERVE

    Enjoy elevated rewards for all your travels

    Named a "Best Travel Credit Card for 2017" by MONEY ® Magazine **

    • Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year *

    TRAVEL AND DINING *

    • Earn 3X points on travel worldwide from airfare and hotels to taxis and trains *
    • Earn 3X points on dining at restaurants worldwide from fast casual to fine dining *
    • Earn 1 point per $1 spent on all other purchases *
    • Get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards ® . For example, 50,000 points are worth $750 toward travel *
    • No blackout dates or travel restrictions — as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards
    • Receive up to $100 application fee credit for Global Entry or TSA Pre ✓ ® *
    • 1:1 point transfer to opens overlay leading airline and hotel loyalty programs
    • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass ™ Select. *
    • Special car rental privileges from National Car Rental, Avis and Silvercar when you book with your card *
    • Special benefits during your stay with The Luxury Hotel & Resort Collection SM *
    • Pay no foreign transaction fees dagger †
    • World-class suite of opens overlay travel and purchase protections*
    • 24/7 direct access to a Customer Service specialist
    • Access to Visa Infinite Concierge who can help you with requests like dinner reservations, or Broadway, music and sporting event tickets *

    after you spend $4,000 on purchases in the first 3 months

    from account opening. *

    This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 24 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.

    as reimbursement for travel purchases charged to

    your card each account anniversary year. *

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    TRIP CANCELLATION/INTERRUPTION INSURANCE

    If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your prepaid, non-refundable travel expenses, including passenger fares, tours and hotels.

    AUTO RENTAL COLLISION DAMAGE WAIVER

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

    When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

    If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

    If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

    EMERGENCY EVACUATION & TRANSPORTATION

    If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

    Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

    You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.

    29 Valuable Benefits of the Chase Sapphire Reserve℠ Card [2018]

    Full Disclosure: We may be compensated when you click on links to credit card products from our advertising partners, such as American Express, Chase & Barclaycard. Opinions on this site are ours alone, and have not been reviewed or approved by the issuer. See our Advertiser Disclosure for more details. Thanks!

    When the Chase Sapphire Reserve℠ Card was first announced, other banks found themselves immediately struggling to catch up with the huge sign-up bonus and the long list of benefits that came with the card.

    Now, that massive sign-up bonus has been replaced with a more moderate one. The list of valuable benefits remains the same though, and they make the Chase Sapphire Reserve℠ Card one of the premier options in the travel credit card market.

    Before we dive in, here’s a quick snapshot of the card (and its current sign-up bonus):

    • 50,000 bonus points
    • 3X points on travel and dining at restaurants worldwide
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
    • Up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Annual Fee: $450

    Table of contents

    It’s always important to fully understand what you are getting for your money when you’re signing up for a premium credit card, and the Chase Sapphire Reserve℠ Card is no exception.

    This card comes with a $450 annual fee, so you want to make sure you’ll get enough value out of the benefits to make that fee worth paying.

    Not everyone will use all of the benefits of all of their credit cards. Some benefits are repeated on multiple cards, some are great but just don’t apply to you, and some will be perfect for what you need.

    The real trick is taking a look at the unique benefits of the Chase Sapphire Reserve℠ Card and determining if they’ll be valuable for your particular situation.

    In this case, we think they’ll work for almost all of you.

    Why is that? Well, the Chase Sapphire Reserve℠ Card is designed for travelers. Here at Upgraded Points, we’re all travelers, and we’ll bet that if you’re reading this, you’re probably a traveler too.

    With that in mind, let’s take a detailed look at the benefits of this card and see what they can do for you.

    To make things easier, we will include estimated values for each of the benefits where possible. Some may not have a set value or will get more valuable the more times you use them, but we will do our best to let you know how much you can save for each benefit of the Chase Sapphire Reserve℠ Card.

    These benefits are the quickest and easiest ways to realize savings with the Chase Sapphire Reserve℠ Card.

    They have set dollar amounts and are fairly easy to redeem, so as long as you would have spent this money anyway, you can think of these credits as directly canceling out part of your annual fee.

    Automatically receive statement credit for travel purchases that you put on your Chase Sapphire Reserve℠ Card, up to $300 per year.

    This credit does not have to be used up in a single purchase. Multiple smaller purchases will also be reimbursed, as long as the $300 has not yet been reached and they are in an eligible travel category.

    Specifically stated eligible purchases include the following:

    • Airlines
    • Hotels
    • Motels
    • Timeshares
    • Car rental agencies
    • Cruise lines
    • Travel agencies
    • Discount travel sites
    • Campgrounds
    • Operators of passenger trains, buses, taxis, limousines, and ferries
    • Toll bridges and highways
    • Parking lots and garages

    Some other purchases may be eligible too, and there are a few listed exclusions.

    To be safe, stick to the categories on the list above. It shouldn’t be too hard to get your full $300 credit using those types of purchases.

    Hot Tip: Unlike credits available with some other credit cards, this annual travel credit is allowed once per cardmember year, not calendar year. Because of this, it doesn’t matter at what point in the year you get the card: your cardmember year will be the 12 following statements, and the credit of $300 will be available once.

    Global Entry or TSA Pre-Check Fee Credit ($100/$85 value every 4 years)

    If you haven’t already applied, the Chase Sapphire Reserve℠ Card will help you get either Global Entry or TSA Pre-Check at no out of pocket cost.

    Simply charge the application fee to your card, and it will be automatically reimbursed as a statement credit.

    Global Entry is a Customs and Border Protection program that pre-screens passengers and then allows expedited entry into the United States when returning from international travel. It requires a detailed application and an in-person interview before approval.

    When you are approved for the Global Entry program, you also receive TSA Pre-Check; so with your application fees being covered, there’s no reason not to apply for Global Entry if you are eligible.

    Since the Global Entry and TSA Pre-Check programs only require you to renew your membership every 5 years, this credit is not available every year that you hold the card. Instead, it is available every 4 years, so you’ll always have it when it’s time for you to renew.

    If you already have Global Entry (like many of us do), this credit is great for your renewal or for gifting Global Entry to a friend or family member. As long as the application fee is paid for with your Chase Sapphire Reserve℠ Card, it doesn’t matter whose application fee it is.

    No Foreign Transaction Fees (3% savings)

    With the Chase Sapphire Reserve℠ Card, you won’t ever pay a foreign transaction fee for any of your purchases. This applies to both purchases you make when you are traveling internationally, and to purchases you make from foreign businesses when you’re planning your travel.

    Although the majority of travel credit cards have no foreign transaction fees, this is an important benefit because you will not have to think about switching the card you use when traveling or booking trips.

    The Chase Sapphire Reserve℠ Card earns points in Chase’s valuable Ultimate Rewards program.

    What makes these points so valuable? Flexibility!

    Not only can you use Ultimate Rewards points to book travel directly, but they can be transferred to a variety of airline and hotel programs to be redeemed for even more value.

    If you get good at redeeming Ultimate Rewards points, you can find some amazing values in the program.

    Hot Tip: Since this is one of Chase’s Ultimate Rewards earning cards, it does fall under their 5/24 rule. That means you can’t apply for a new Chase Sapphire Reserve℠ Card if you have received 5 or more new credit cards in the past 24 months. It is possible, however, to do a product change from another Chase card to the Chase Sapphire Reserve℠ Card if you really want the benefits and are willing to miss out on the sign-up bonus.

    3x Points/$1 on Travel and Dining

    You will earn 3 Ultimate Rewards points for each dollar you spend on travel or when dining at restaurants anywhere around the world.

    To earn 3x points, the purchase of a product or service must be put on your Chase Sapphire Reserve℠ Card, and the merchant must be in the travel or dining categories.

    From fast food to fine dining and hostels to first class flights, you will be able to earn triple points wherever you go and whenever you’re hungry.

    These bonus categories are a great way to quickly build up your Ultimate Rewards balance!

    50% More Value in Travel Redemptions

    The Chase Sapphire Reserve℠ Card provides the highest value of all the Chase cards when you book your travel with points through the Ultimate Rewards Travel Center.

    Hot Tip: Other cards have rates of 1 or 1.25 cents per point, but the Chase Sapphire Reserve℠ Card gives you a rate of 1.5 cents per point!

    Since you only get 1 cent per point of value if you redeem for cash-back, this means redeeming through the Travel Center gives you 50% more value for your points.

    It is possible to find higher redemption rates for your points, but in some cases (especially with lower cost flights or hotel nights), the 1.5 cents per point value can be better than redeeming for an award directly through the airline or hotel programs.

    When booking with your points through the Ultimate Rewards Travel Center, there are never any blackout dates or extra restrictions on your travel.

    If you can find the flight, hotel, or travel package in the Travel Center, you can book it with your points at the rate of 1.5 cents each that we discussed above.

    Although this isn’t the absolute best value you can get out of your Ultimate Rewards points, you don’t have to worry about award flights or nights not being available when you want to travel if you book this way.

    If there’s a flight or hotel for sale, it can be booked with your points.

    1-to-1 Points Transfers to Partners

    By far the best value you can get from your points is when you transfer them to be redeemed with one of Chase’s travel partners.

    Chase partners with the following airline programs:

    Chase sapphire reserve rental car insurance

    The hailstones were the size of golf balls.

    We visited Melbourne, Australia for Christmas last year and had been enjoying the great weather. We’d visited St Kilda beach that morning to take advantage of the 98° temperature and were now in the comfort of the air conditioning at our friends’ house that evening.

    The freak storm came out of nowhere. One moment it was quiet outside, the next our friends’ kids had leaped out of the beds they’d only just gotten tucked in to so that they could see what all the noise was about. The hail only lasted a couple of minutes, then all was quiet again other than the rain following it up.

    Fearing the worst, I went outside to check our rental SUV once the rain had eased up. I breathed a huge sigh of relief when I saw that it was only raindrops dotted over it.

    Or so I thought.

    The next morning we headed out to go wine tasting when I noticed a small ding on the Toyota RAV4. And another. Then another.

    The raindrops had done a great job covering up all the damage. In the dryness of the new morning, our SUV now resembled a golf ball, with dimples peppering the entire vehicle.

    The photo doesn’t do justice to how many dings were on it

    The window trim had dings…

    …and even the tail lights were cracked.

    Knowing there wasn’t anything we could do, we enjoyed our final week in Melbourne and apprehensively returned the SUV to Hertz on December 26.

    The guy taking care of the return handed us a small slip of paper and asked us to take it to the Hertz counter. “Ooh, what happened?” they asked as we handed over the slip, so we explained that that their SUV, which only had 127 kms on the clock when we rented it, was now a dinged-up masterpiece.

    They let us know that they’d put a hold on our credit card to cover repairs and that they’d be in contact once they knew the cost of repairs.

    Although they’d put a hold on the card, there was still no actual charge three weeks later. I started wondering if they’d somehow forgotten about us.

    January 22 – four weeks after returning the RAV4 – I got my answer. No, they hadn’t forgotten. And they’d be charging our credit card $3,585.30 AUD ($2,898.78).

    How To Submit A CDW Claim With Chase

    We’d thankfully paid for the rental with my wife’s Chase Sapphire Reserve credit card, specifically because it includes primary coverage for auto rentals when you decline the rental company’s Collision Damage Waiver (which we had.)

    So the evening after receiving the email from Hertz, we submitted a claim at eClaimsLine. The first step was choosing which benefit we needed to claim under.

    The next page required our personal information.

    At the third step, we had to provide some basic details about the incident. We were limited to 250 characters, so when submitting a CDW claim you have to be concise.

    The final step was to upload some documentation. There are numerous different documents that you might need to upload.

    The types of documents you have to upload will vary depending on the nature of your incident. For example, we weren’t renting for business and so didn’t need a letter from an employer. We also didn’t receive a settlement from an insurance company, so we didn’t have to upload a document for that either.

    Here’s what it looked like once we’d uploaded all the necessary documentation:

    The Chase Sapphire Reserve rental car insurance claims submission process was very straightforward, albeit time-consuming due to needing to gather photos of the damage, our reservation confirmation, the rental agency report, finalized rental agreement and more. Something I appreciated was that the claims process didn’t time out from inactivity due to how long it took to gather the documents.

    After submitting the claim, we received an email from Card Benefit Services with the claim number and which also confirmed details of the claim.

    We received a follow-up email a week later requesting a copy of our credit card statement with the charge from Hertz on it. The statement wasn’t due to close for another few weeks, so I dropped eClaimsLine an email to advise them of this and that we’d upload it as soon as possible.

    The statement was available on February 19, so I saved a copy of it and attached it to our claim.

    I’ll admit – I was a little nervous about whether the claim would be covered. The benefit we’d declined was called ‘Collision Damage Waiver’ but, strictly speaking, there hadn’t been a collision. We’d not backed into a wall, we’d not been in an accident – we’d just been unfortunate enough to have parked the SUV on a driveway during a hailstorm.

    Reading the Terms and Conditions of the Chase Sapphire Reserve’s benefit though, there was no exclusion for hail damage, so I was hopeful that the claim would be covered.

    We’d find out less than two weeks later.

    Chase Sapphire Reserve To The Rescue!

    March 1 brought us the answer we’d been hoping for:

    Dear Mrs Pepper :

    I am writing to alert you that your claim has been paid. The check, per your request, has been issued to yourself in the amount of $2797.07.

    This represents full settlement of the claim.

    You will receive the check within approximately 7-10 business days.

    Should you have any questions please contact us.

    Card Benefit Services

    Phew! I guess they’re of the view that hail collided with our car.

    The $2,797.07 check is less than the $2,898.78 that Hertz charged our card – a difference of $101.71. I couldn’t find a reference to a $100 deductible, so we’ve emailed Card Benefit Services to find out the reason for the shortfall. Still, a $101.71 loss is far better than a $2,898.78 loss.

    Edit: Card Benefit Services have replied to my email and provided this reason for the $101.71 shortfall:

    The location fee, credit card surcharge and appraisal/assessment fee are not eligible for coverage and were deducted from the payment. The eligible expenses were the damage deductible/excess and the administrative/processing fee.

    One of the other benefits of the Chase Sapphire Reserve credit card is that it earns 3x Ultimate Rewards on travel purchases. Seeing as Hertz charged our card $2,898.78 for the damage, we earned an additional 8,696.34 UR.

    Even if we end up being out the $101.71, the extra 8,696.34 UR will more than make up for that.

    Overall, we were extremely pleased with the claiming process for the Collision Damage Waiver benefit on the Chase Sapphire Reserve credit card. Disregarding the few weeks while we waited for the statement to close, it took under three weeks for our claim to be approved. It likely would’ve taken even less time if we’d waited until the statement had closed before submitting the claim.

    We’re part of the 90% of cardholders that renewed their Chase Sapphire Reserve card after the first year. I’m glad we did, as it saved us almost $3,000.

    Stephen Pepper is on a 5 year, 50 state road trip with his wife Shae and their dog Truffles. Finding opportunities to earn miles and points is one of the ways they can afford to do this, so he'll try to help you do the same for your own travels.

    80 Comments on "My Experience Using Chase Sapphire Reserve Rental Car Insurance"

    Let us know about the missing $101 when you find out

    Could have been exchange rate fluctuations between the different transaction dates.

    There has been a lot of rate volatility in your timeline which could easily cause a $100-ish swing:

    Will Chase pay if you use UR points from the account linked to the CSR? What about a combination of pints and cash?

    this is my guess.. we

    Great write up! Just another reason I can’t wait until I go under 5/24 in 12 days!

    We were fortunate that she was pre-approved in branch back in November 2016. She was way over 5/24 but it meant she was able to get the 100k signup bonus.

    I don’t have the Chase Sapphire Reserve, but the Chase Sapphire Preferred. Does the Chase Sapphire Preferred offer the same type of coverage? This is good to know as I would book ALL of my future car rentals with this card based on your post!

    Yes, the Chase Sapphire Preferred also offers primary coverage.

    Hmm, that “Auto Insurance Declaration Page” explanation on your screenshot above makes it look like it’s secondary coverage. Did they just tell you to skip that?

    I’d ignored that section as we weren’t renting in our country of residence. However, if we’d be renting in the US I’d have still ignored that seeing as it’s primary coverage. I think that section lists all the possible documents that might be needed; not all cards that they process the claims for will offer primary coverage, so in those cases they’d need a copy of your regular auto insurance.

    An FYI–most US Visas and MCs offer primary insurance abroad: since US car insurance doesn’t cover you outside of the country, credit card insurance is by definition primary insurance since it’s the only one you have!

    I’m currently going through this process after an accident in South Africa on February 17. Until now I have no charge from the rental company, not even for the rental, so I went ahead and submitted the claim with no documentation as you have 60 days to initiate a claim but 100 days to provide documentation.

    Sounds like the charge may take a while, but no doubt it’s in the works (the car was totaled).

    Dumb question, but I assume the $101 wasn’t the cost of the rental and thus deducted from the settlement amount?

    Not a dumb question at all, but no it wasn’t the cost of the rental – I think it had cost about $350.

    “The benefit we’d declined was called ‘Collision Damage Waiver’ but, strictly speaking, there hadn’t been a collision.”

    Technically it’s a “Collision/Damage Waiver” (with a slash), meaning either/or… at least that’s how it was on the paperwork when I worked there years ago.

    Ah, that’s good to know – that makes more sense.

    Sounds like you could rack up lots of UR by deliberately damaging your rental vehicles

    I’ll admit – I was a little disappointed that the damage wasn’t more expensive once we found out that it was definitely covered

    I’ve been told in the past that all cards that offer this sort of rental insurance become primary when you are out of the country (since your domestic policy that is in effect in the USA does not normally provide coverage in foreign countries). So the distinction between a card that offers primary versus secondary coverage is really only relevant when discussing domestic rentals.

    Could you confirm that this is an accurate understanding?

    That’s a great question and not something I’d actually thought about. What you’re suggesting would make sense, but hopefully someone can confirm one way or the other. If not, I’ll check with Chase.

    One thing to bear in mind is that we rented vehicles in Australia and New Zealand, which are countries that not all credit cards offer auto rental cover for.

    Yes it is. For Chase cards, the business cards are primary domestic but secondary if used for personal travel. However it becomes primary even for personal travels. I know because we have read it carefully 2 years ago when we discovered our SPG AMEX Biz only covered rentals INSIDE US! (it has since changed to cover international rental sometime last year.)

    It depends if your car insurance covers you outside of USA. For example our car insurance covers Canada and Mexico do Amex would be secondary there. Since our car insurance doesn’t cover European rentals then Amex is primary. Citi Prestige is primary outside of USA regardless of your own car insurance, IIRC

    So glad to hear the benefit really works! Does Chase Ink also offer primary rental car coverage?

    I know the Ink Plus definitely does, but it’s only for rentals when traveling for business rather than leisure.

    United business card provides 2ndary coverage inside US for personal use but primary internationally.

    You really need to read the FINE PRINTS of the card you intend to use. there is no substitute of it – i.e. read the fine prints carefully to decide what your card would cover. and call the insurance provider for further clarification / letter.

    What other credit cards provide damage coverage other than sapphire reserve?

    Leaving on a trip without that card.

    Amex Mercedes paltinum ? Or others

    My guess is that the $ amount changed because of the exchange rate. You were charged by Hertz at the prevailing exchange rate when the accident happened. You were paid by Chase at the prevailing exchange rate when they processed your claim.

    He could have made money!!

    New manufactured spend idea:

    1. Rent luxury with CSR

    2. Total said luxury car

    3. Get billed by rental car company for cost of car

    4. Get 3x UR points for each dollar charged

    5. Get CSR to reimburse you the original amount charged.

    What could go wrong?

    Luxury cars are excluded, per the terms and conditions of the Chase reserve benefits.

    I know because I read the entire terms and conditions yesterday. I’m leaving Costa Rica today. Yesterday, someone damaged the side mirror of my car while I was parked at a beach (another driver likely drove to close, hit the mirror and ran). So i’m filing a claim today. I didn’t rent a luxury car, so I should be covered. Nice to see an actual demonstrated case of this benefit being utilized.

    Ah, well. Guess we’ll have to limit ourselves to about $30k manufactured spend..

    In all seriousness, and this should be obvious, but I’m aware that this would be super shady and unethical. In fact, I would venture to believe the bigger the claim, the harder a look Chase is going to take at it.

    I had a claim last year for a broken window. It was only about $150, but was paid promptly after submitting a lot of paperwork.

    I appreciate the detail you show on the claim process. Smart move to use a CSR here (or even a Citi), because American Express does NOT cover car rentals in Australia, Italy and New Zealand. Even purchasing their premium car rental protection it would not cover Australia,

    Ireland, Israel, Italy, Jamaica and New Zealand.

    Yep, we also had them provide a specific letter in case Hertz in Australia or New Zealand tried to claim we wouldn’t have cover on our card.

    Hi, can you explain on what you mean by a specific letter to provide to Hertz? Do you mean a letter from Chase stating that they’ll provide insurance coverage?

    If you call Chase, they will send you a letter/email stating that paying with the CSR or CSP includes insurance. As I recall, it had my name and address on it. I took it to Italy just in case I needed it.

    Does the letter have an expiration date? We will rent in Italy and have to use the CSR. Last time with Citi the letter had a 30 days expiration. This time our rental period starts at end of April but we leave on April 3rd going on a TATL cruise to Europe.

    Can you follow-up to let us know if you used any coupons or anything? I always feel like I’m overpaying for a weekend rental by not using a “free weekend day” coupon that many rental companies offer, but I’m also terrified that doing so would void the CSR coverage.

    I think we’d used a discount code from having the Amex Platinum card, even though we didn’t have to pay with that card.

    Looks like the original charge was in AUD and converted to USD. Wonder if the

    $100 difference is due to differences in the exchange rate from the time of the incident to the day the claim was paid?

    I’d wondered that too, but figured they’d refund what we were actually billed for, but we’ll see.

    I recall something like this happening for me and am guessing your invoice suggests that your parts total for the repair cost is $1017.10, the insurance company that chase works with claims that $101.71 is the 10% discount on the parts that hertz will get on this repair and therefore they will refuse to pay. If you get in touch with Hertz about this, they refuse to accept that they get a 10% discount on parts.

    Your best bet would be to request Hertz their final payment receipt to the repair shop and also on the other hand talk to a supervisor at chase to pay that extra as that didn’t include the 10% clause in their terms and conditions. I hope this helps.

    Thank you – if that’s what the claims team says is what’s happened, I’ll try doing that.

    If this is what’s going on here, this is a huge argument for NOT using a Chase Sapphire Reserve.

    Going to be renting a car in Australia next month, it looks like LDW coverage is included in the cost of rental cars there. Is that accurate? How did you handle that issue, ask to decline it at the counter? It sounds like you didn’t pay for excess reduction, but I’m curious if there was any snafu associated with coverage you may not be able to decline.

    I don’t think it was included in the cost of our rental, so we declined it. The terms of the Chase Sapphire Reserve CDW coverage state that you have to decline their CDW/LDW, so I’d be nervous if there wasn’t a way to do that.

    The basic mandatory coverage IS included in the rental, it is part of the rental rate. it is NOT a separate item. There is a large “Excess” in the amount of $$$$ that you would be responsible if you do not buy the additional coverage to reduce the Excess.

    What you declined is the additional coverage that REDUCED the “Excess” i.e. the deductible. It is that part the Chase cards would cover, not just the CSR.

    Exactly. Most sure this is what has happened – decline the Excess Reduction. You can NOT decline the basic CDW which is MANDATORY by the government.

    Chase has told me whenever the basic CDW is mandatory by the government (*South Africa is where we rented last Sept) Chase card would pay the Excess.

    I actually take a different message from this whole episode, largely because the underwriter shorted you by 3.5%. I wouldn’t use Chase for insurance because of it. Would love to compare to Citibank or Amex in a similar scenario. I wouldn’t take a 96.5% reimbursement as a proper outcome.

    Do you get points from Hertz for the additional costs? That’d be a nice cherry on top.

    Actually I have a HUGE argument for why to NOT use a Chase Sapphire Reserve card for car rental. My friend and I went to Hawaii last year for his anniversary celebration. He used Chase Sapphire Reserve Ultimate Rewards points for the car rental. He used his Chase Sapphire Reserve as the guarantee card for charges.

    Well the week was uneventful and no problems at all. His flight left in the morning so he returned his car early. (Originally he picked it up around 1 PM so he had until 1 PM to return it but he returned it early). Well, imagine his surprise when he got a charge on his credit card for the rental for a full day. He called the rental car company and they said he didn’t return the car in until after 3 PM so they charged him.

    He told them it was impossible as his flight already left by then. He sent them a copy of his boarding ticket with the time of departure on it. They kept arguing with him. Unfortunately they never gave him anything when he turned in his rental car that morning. But still he could easily show that he already left on his flight.

    He got tired of arguing with the rental car company and disputed it. You can imagine his shock when he ultimately lost and Chase sided with the rental car agency. He showed them his flight confirmation, boarding pass, etc.

    I was really shocked to hear something like this. It’s one reason I’ll never use my CSR card to rent a car.

    The ABSOLUTE best card that I have while renting a car is this Platinum AMEX US dollar card I opened in Europe. I’m not sure if you can still open it but the benefits are mind blowing – https://www.americanexpress.com/content/dam/amex/icc/documents/platinum-protection-cam7486a-0517.pdf

    I’ve NEVER had any rental car claims denied. Also, they cover you even for weather related incidents when your flight can’t fly due to weather they cover you for hotel. Best travel benefits card if you can get it.

    As noted below, Amex excludes Australia for coverage.

    It definitely sounds like your friend had a bad experience with the rental car company charging for a day he didn’t use. That stinks – and it stinks that Chase sided with the rental company in that case. However, this post is about an insurance claim – those are administered by a separate entity. Your friend’s experience is a bad instance of customer service with Chase and I can see why it might dissuade him from being a Chase customer in general — but it’s not directly related to rental car insurance.

    The Amex Platinum card offers rental protection, and I have used it on occasion, but it is not included with the card benefits. You opt in for that coverage and pay for it each time you rent a car. I’m not saying it’s bad coverage, but it’s significantly different from the Chase Sapphire Reserve coverage in that you pay for it each time and it is not valid in select countries. To my knowledge, the CSR coverage is good worldwide and an included benefit with the CSR as long as you use your card to pay for the entire cost of the rental and decline the rental car company’s CDW.

    Your friend NEEDED to get a confirmation of the Car being Returned. Even a hand written thing in the agency’s letter head and signed by the employee who received it.

    We had similar scam pulled by Avis in Jo’burg when our car was returned the afternoon before but the receipt showed up the next morning indicated we returned it at 6am in the morning! That was despite the receiving agent was chatted with us all the time, and assured us everything was now entered on the computer and would be available overnight, when he was scribbled on his receiving form…

    There were other scams this Avis location tried to pull. Our flight was not until noon so we kept our ground. We went to check in with CX first, then returned back to Avis counter. At that point we made them aware that if they still not addressed the issues, we would not leave, as it had been 2 hours from the initial time we showed up at the counter to query the wrong information on our invoice (wrong return time, gas charged for the full distance we have driven, that is a couple thousands kms! We said this pretty loudly. and eventually got them (2 depts involved) to correct the bill down to about $20 over charge from well over $300 extra. We made them print the final invoice, had the garage manager signed and wrote down her email address at Avis and left for the lounge. I was about to write Avis a long email upon return home to complain this but finally lost interest to pursuit, knowing the location has had numerous complaints on TripAdvisor and Avis HQ has not done a damn thing to address it – must be a franchise location and the HQ could not care less.

    Had a good experience with Amex dealing w a European rental damage claim but note Amex exclusions: they won’t cover taxes for repairs and they exclude damages to tires and rims. Not sure if they’ve changed this but I’ve been using CSR last couple of years

    Hope you realize that this shouldn’t affect your CSR renewal decision because you could have gotten this coverage from most other cards. Secondary car rental coverage is generally primary coverage internationally. You do have to make sure that the card you use does offer coverage in AUS/NZ, though. From my experience, most do, but there are still some that don’t. I’ve never kept a comprehensive list. There are a few other countries like Ireland that tend to pop up on exclusion lists too.

    A comprehensive list would be a good idea. I was under the impression that most non-Chase credit cards exclude Australia, Ireland, Italy, and a couple of other countries with higher instances of claims.

    Also worthy of note: I read the terms of the CDW offered by the rental company on a rental in Australia. They excluded any night driving — presumably due to the danger of hitting wildlife at night. I’d be on the lookout for similar terms.

    Just to give one example, my BoA Premium Rewards card is secondary insurance in the US, but primary internationally. Their exclusions are: Israel, Jamaica, Republic of Ireland, and Northern Ireland.

    I believe that most Visa cards with secondary insurance use this same list of countries and cover Australia/NZ nowadays.

    Side note: I did use a card (sorry, I forgot which one) on a rental in NZ in 2013, but the contract had a line item for insurance that was included for free. It literally said $0.00. So I called my card’s benefits department, and they told me it was okay to accept. Their insurance would kick in to cover any excess and/or deductible not included with the “free” insurance and that accepting would not void my card’s coverage.

    Chase Visa covers the EXCESS which is the deductible in our term, in all countries where the basic CDW is Mandatory by the government and is “free” as it is already factored into the rental rate. South Africa, Italy, Australia and NZ are among those there is government mandated CDW coverage included in the rental rate.

    Citi covers those too.

    AMEX definitely does not.

    CapOne Visa cards dont either.

    So not all Visa cards follow the basic list – it is up to the banks to decide whether their cards would offer such benefits, and probably only on the high end cards.

    Not in Australia. Only Chase and Citi cover Australia and NZ, and a few other countries that AMEX and CapOne exclude – those include Italy, Israel, Ireland and Northern Ireland.

    The statement of most do cover Australia and NZ is very misleading. AMEX will tell you to take a hike.

    This is all fine I guess but say the damage was like $10k or $20k would they put a hold for that much and make you float that cost until they send a check at a later date?

    Yes it became primary coverage when you declined CDW but as with most of these credit card insurance plans, it only covers the cost of the vehicle, In the case of AMEX platinum up to $75,000, but not liability. Did you purchase liability coverage separately or does your US insurer provide coverage while in Australia? Most US insurers don’t cover outside the United States

    Be sure to charge every dollar of the rental to the CSR card. When we turned in a damaged car there was a small, about $5, charge due for something or other. I started to pay cash but then told them to put it on the card. When submitting our claim I sent in the statement copy showing the original charge. They kept telling me they needed more information and it took several weeks of corresponding to figure out that they were trying to get the statement to match the rental records and the $5 discrepancy kept kicking it out. After submitting the second statement showing the additional charge the claim was processed immediately. The adjuster told me that if I had paid the $5 in cash it would have nullified the coverage.

    I had two experiences trying to collect on the Reserve card, one for car damage. It turns out that for some reason they don’t cover damages for a rental in Brooklyn, NY. No clue why, but didn’t know that when I rented the car. The part that was my fault was that the damage was there when we got the car but I couldn’t find anywhere it was documented. I know this isn’t the place, but I tried to collect for luggage delay and they wanted so much documentation it wasn’t worth the time (they don’t give much to begin with and the airline was giving me some as well).

    […] Using Chase Sapphire Reserve’s Car Rental Insurance – Frequent Miler […]

    Very similar experience with Chase Sapphire Preferred a couple of years ago. I managed to knock the back window out of a Chevy Tahoe. Process was smooth as silk. I continue to be impressed with the Chase cards.

    As someone else mentioned, it is important to note that the card does NOT cover liability — meaning damage to other vehicles, property, or people. If you get in an accident, your rental car will be covered, but any damage to other cars or people will not be covered.

    Someone correct me if I’m wrong, but I believe that this is true for this card as well as AmEx Platinum.

    If what I’m saying is true, it does seem one needs to buy liability insurance from the car rental company (since your own US auto insurance company probably won’t cover you overseas).

    […] If you use the CSR for car rentals and you have a claim, this is a good post about the whole process: My Experience Using Chase Sapphire Reserve Rental Car Insurance. […]

    Hi. Thanks for your very timely post. While visiting in LA a month ago, our rental car (Budget) was broken into while parked overnight on a residential street. They stole the front bumper, grille and headlights. I just sent in the claim for over $13,000 to Chase. I agree gathering the information took awhile, but the process so far has been very straightforward. I’m so glad I had paid the full amount to Budget with my CSR.

    I’m curious to see how this turns out because instead of just replacing the missing parts, Budget salvaged the car for about $3,000 even though the car was in perfect working order-we didn’t know this at the time, but the tow truck driver started the car and drove it onto the flatbed.

    I will always use my CSP or CSR when I finally do get it to rent cars. A few years ago I mistakenly scratched up a brand new rental car from Hertz in a very tight hotel parking garage in Honolulu Hawaii. I returned the car and filled out the paperwork. I got a call from Chase and explained everything to them. Hertz sent me the repair estimate. Chase dealt with Hertz directly and just kept me informed of the process. They paid Hertz the $600 check and called me to let me know that it was all settled. The Chase agents were always pleasant and courteous with every call to me. This experience alone has made me a Chase customer for life.

    For anyone interested, I’ve updated the post as I’ve heard back from Card Benefit Services regarding the $101.71 shortfall:

    “The location fee, credit card surcharge and appraisal/assessment fee are not eligible for coverage and were deducted from the payment. The eligible expenses were the damage deductible/excess and the administrative/processing fee.”

    Yes – you were covered for the “excess”.

    Just to confirm as has been mentioned up thread – in Australia – there is no CDW. Do you cannot decline it as it doesn’t exist.

    Your rental from Hertz comes with Comprehensive coverage, which you cannot decline.

    The standard Excess is usually around $3750 AUD so you were pretty much charged the max you would ever be charged.

    You have the option to buy (and they try to up sell) “excess reduction” for an extra charge which reduces your excess to around $300.

    That is what you declined.

    And that is why Australia is excluded from CDW coverage on most cards as we have a very different insurance system.

    We simply don’t have CDW, and all cars come with Comprehensive coverage.

    Hey Stephen, about to do a rental in Cairns Australia through Hertz and curious how this all works. if I use my CSP for the rental, I should not be required to pay any additional insurance, correct? I wonder if they will try to hard sell me something I don’t need/want. It seems the other posters are saying that CDW is included in AU rentals, so our max coverage we would need is like 3750 AUD or something? I just want to be sure I am covered with all this as it will be my first over-seas rental. I rent all the time with Hertz in the USA.

    Some people are mentioning the fact that we don’t have liability insurance unless we actually pay for it through the rental company (does Hertz offer, that anyone know?) or otherwise get it through other means. I will call Progressive about if I am covered in Australia, though I assume not. Any clarification would be great you all. THANKS!

    That’s correct – you shouldn’t need to pay any additional insurance. They might try claiming that your credit card won’t cover you for a rental in Australia, but that’s not correct.

    I think there might be some kind of coverage included in Australia rentals, as they only placed a hold of

    4,000 AUD pending confirmation of the damage costs. Just be sure to decline everything that you can decline.

    I’m afraid I’ve no idea about liability insurance – to be honest, it’s not something I’d thought about until someone else mentioned it.

    I’m guessing you’re going to be in Cairns for the Great Barrier Reef? If that’s the case and you don’t have anything already booked, I can highly recommend Reef Experience. It’s an

    8 hour trip where you go snorkeling in a couple of spots on the Great Barrier Reef, with a scuba dive included in the cost. We had a great time with them.

    Also be sure to check out The Lagoon – an outdoor pool in Cairns.

    I will let you know what I find out about liability insurance, if anything. That is now my primary worry because I had never thought of it either… which is shame on all of us! That could be a bad debt thing, one good smack into a nice car and SOL.

    Thanks so much for the recommendations! I desperately need some, haha. Will look into both of those and probably pick them as we would wanna do both things you mention, and the less I have to take a risk with shady tour companies the better. Mind telling me where you stayed in CNS or if it was outside the city? Also, if you don’t mind which hotel/AirBNB? I planned to stay at the Port Douglas Ramada as the reviews are great and I will do the partner trade off (4 nights, switching each night to make it 4 stays) with the girlfriend with Wyndham and therefore get 2 free nights (30k pts) out of it, and the nightly price is only $90 all in!

    We will also be going to Sydney for a few days, so any recommendations, both hotel and activities, would be great too.

    We stayed in central Cairns at this Airbnb: https://www.airbnb.com/rooms/17996431 We were traveling with my in-laws, so we wanted somewhere with two bedrooms. It’s a great location – a short Uber from the airport, a few minutes walk to restaurants and a grocery store and a bit of a longer walk to The Lagoon and night markets. It was also just round the corner from the pickup for the Reef Experience trip.

    If you end up staying at this Airbnb and going on that snorkeling trip, check out the pickup location beforehand. We chose the 181 Esplanade pickup point and I went to Esplanade, not realizing that 181 Esplanade was an apartment building a block across the street. We made it there in time for the pickup, but were glad we’d left early enough to realize!

    The Ramada might be worth it to get the two free nights, but it looks like the airport shuttle’s pretty expensive. It’d also mean a fairly early start to make your way to Cairns for the Reef Experience trip. It does look like a nice hotel though, so I guess it depends on if you’re just wanting to chill at the hotel or would prefer to spend time in central Cairns. We really liked Cairns’ vibe, so we’d likely stay at the same Airbnb if we returned.

    As for Sydney, we stayed at this Airbnb https://www.airbnb.com/rooms/18964937 It was a little cozy for four people but would be fine for two. It’s not a luxury apartment, but it’s in a great location – very close to Central station.

    In terms of stuff to do, I’d highly recommend going on a Hunter Valley wine tour with Kangariffic Tours http://www.kangarrifictours.com/tours/hunter-valley-wine-tours/ We went on a tour with Sam in 2014 and had such a great time, we went again this past December. Sam’s an awesome guy and makes the entire day fun. You’ll love the wine, petting kangaroos & koalas, chocolate, cheese and craft beer. Here’s a write-up of our trip http://nohomejustroam.com/kangas-and-vineyards-and-beers-oh-my-our-hunter-valley-wine-tour/

    You also need to try macarons from Zumbo’s Patisserie. We’d gotten them back in 2014 as well and so wanted them again last year. My wife had also been watching Zumbo’s Just Desserts on Netflix too, so that was an added incentive. I think he has two or three stores in downtown Sydney (including one down by the harbor), so you should end up near one of them at some point.

    We visited Bondi Beach to say that we’d gone, but it wasn’t anything special. It’s a bit of a mission to get there from downtown Sydney (you have to get a train and bus), so if you only have a few days there, I wouldn’t bother.

    It’s worth walking across Sydney Harbor Bridge for good views of Sydney, including the Opera House. Depending on your budget, you might want to do a bridge walk or a sunrise kayak trip in the harbor. Both of these were too expensive for us to do on our trips there though, so I’ve no idea if they’re actually worth the money.

    We ate at Portobello Caffe one evening (that’s how the restaurant spelled cafe for some reason). It’s an outdoor restaurant opposite Sydney Harbor Bridge and a couple of minutes walk from Sydney Opera House, so a great location. There was a random firework display the night we were there which was an added bonus. It’s expensive given the portion sizes (although not extortionate), You could definitely get better food for the price, but you’re also paying for the view.



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