Renting a car is clearly one of those times when you need a credit card. Most credit cards provide a

Renting a car is clearly one of those times when you need a credit card. Most credit cards provide a form of insurance bellagio hotel history called a collision damage waiver that can save you the expense of purchasing insurance from the rental car agency.
As easy as it is to pay for a rental car with a credit card, these policies are full of exceptions and exclusions. So before relying on your credit card s insurance, watch out for the following bellagio hotel history loopholes:
1. Your credit card might not include bellagio hotel history rental car insurance. Almost all credit cards include some form of rental car insurance, but not all. Popular products that don t include it are the Slate card from Chase and the Capital One Secured Mastercard.
2. Territorial exclusions. Credit cards cover rental cars in nearly every country, but there are some notable exceptions. Most Visa, Mastercard and American Express cards exclude cars rented in popular tourist destinations such as Italy, Ireland, Israel, Jamaica and New Zealand.
3. Limitations on certain types of roads. While the rental bellagio hotel history car insurance itself does not specify that accidents on certain types of roads are excluded from coverage, it does specify that all driving must be done within bellagio hotel history the terms of the rental car agreement. And most major rental car agencies make drivers agree not to drive on an unpaved road. This is not much of a problem in major cities, but it can be an issue when renting in rural areas or visiting some national bellagio hotel history parks.
4. You must pay for the rental with your credit card. It sounds obvious, but you must use your credit card to pay for your rental car in order to be covered by its insurance. When you use points or miles to pre-pay a rental car, you are not covered by your credit card s policy, bellagio hotel history even if you use it to guarantee your rental bellagio hotel history or to pay taxes and fees. You must pay the base rate with your credit card and decline the rental car agency s optional coverage. On the other hand, it is OK if your credit card s rewards bellagio hotel history program reimburses you for travel expenses after the fact.
5. Rent the right kind of car. Your credit bellagio hotel history card s rental car policy excludes many types of vehicles including antique, classic, luxury and exotic cars. And while you might not be renting a 57 Chevy on your next business trip, pickup trucks and full size vans are common rental cars but excluded by most policies.
Note: It's important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit bellagio hotel history cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.
Jason Steele has worked as a computer systems administrator, a commercial pilot, and a contributor to several of the top personal finance sites as an expert on credit cards and travel. He is a graduate of the University of Delaware with a degree bellagio hotel history in History. More by Jason Steele
I just checked bellagio hotel history with Capital One Secured Mastercard and they stated that they do cover rental vehicles. It states in guide benefits and I actually spoke with a representative. Is it a certain secured card? I asked about the platinum secured mastercard by Capital One.
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Note: It's important to remember that interest rates, fees and terms for credit bellagio hotel history cards, loans and other financial products frequently bellagio hotel history change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.