Under the "Vehicles Excluded" category, we subtracted 7% because there are some exclusions attached

When most people think of credit card perks, their minds turn to rewards, low interest rates and the like. However, credit cards naturally provide low airline fares to cleveland a number of far-reaching standard benefits that help protect cardholders from both monetary loss and unnecessary hassle. One of these benefits is car rental collision protection, which is primarily driven by the card network low airline fares to cleveland and not the card issuer .
To provide context, roughly 20% of consumers always purchase supplemental insurance coverage when renting a car, according to a study from Progressive Insurance, low airline fares to cleveland and another 20% do so on occasion. Sitting atop the list of reasons for such purchases is confusion as to whether low airline fares to cleveland personal low airline fares to cleveland auto insurance extends to rental cars. Indeed, 62% of consumers do not believe their personal auto insurance automatically covers rental cars, according low airline fares to cleveland to a survey conducted by the National low airline fares to cleveland Association of Insurance Commissioners. Similarly, 24% aren’t sure whether their credit cards provide any sort of coverage either.
In this report, CardHub provides an in-depth examination of each major card network’s rental car insurance policy and explains what type of rental car insurance coverage consumers automatically receive through their credit cards, how they can take advantage of it, which credit cards offer the best insurance coverage, and whether any other forms of supplemental insurance are needed.
All four major networks require cardholders to charge their entire rental low airline fares to cleveland car purchase on their credit card and decline supplemental insurance/Collision Damage Waivers (CDW) offered by the rental company in order to be eligible.
American low airline fares to cleveland Express is the only network not to provide coverage for renting certain popular SUVs – including the Suburban and Tahoe from Chevrolet, GMC Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover, and full-sized Ford Bronco.
Theft or damage from rental transactions which originated in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand ARE NOT covered for the Escape card. No country exclusions for the rest of the cards
Theft or damage from rental transactions which originated in Israel, Jamaica, low airline fares to cleveland the Republic of Ireland, or Northern Ireland are not covered for Standard, Gold and Platinum cards. The World cards do not feature low airline fares to cleveland any country exclusions
Under the “Vehicles Excluded” category, we subtracted 7% because there are some exclusions attached to the benefit, even though low airline fares to cleveland they are standard across all credit networks, and given that the benefit does not cover some popular SUV’s.
It might be wise to accept the liability insurance and collision damage waiver offered by the car rental company if you do not have personal auto insurance and your credit card does not provide sufficient coverage.
CardHub reviewed low airline fares to cleveland the publicly available online car rental policies low airline fares to cleveland of the four major card networks and collected key information low airline fares to cleveland in order to answer the following questions: 1) Who is eligible for car rental insurance coverage?; 2) What vehicles are excluded?; 3) What exclusions do the policies have?; 4) What is the quality of the coverage?; 5) How does one activate the benefit?; 6) How should claims be filed?; and 7) How easy it is to obtain complete information about the policy?
Where the policies were not clear, we contacted the networks directly and requested clarification. American Express, Discover and MasterCard responded to our questions and confirmed the accuracy of our data. Visa declined to clarify low airline fares to cleveland issues regarding its policies despite multiple attempts to contact the company.
In the case of card networks that offer more than one type of rental car insurance to participating issuers, we scored each of the packages individually and then averaged them to obtain an overall score. Each card network policy was scored using the following criteria.
If activation is standard (cardholders charge the entire rental car purchase low airline fares to cleveland on their credit card and decline supplemental insurance/Collision Damage Waivers (CDW) offered by the rental company) – 5% points
If filing a claim requires standard documentation ( i.e. a copy of the accident, a signed claim form, a rental agreement, an itemized bill and a receipt or statement showing to which card the rental was charged to) – 5% points
Our content is intended for general educational purposes low airline fares to cleveland and should not be relied upon as the sole basis for managing your finances. Furthermore, the materials on this website do not constitute legal advice and should not be relied upon as such. If you have any legal questions, please low airline fares to cleveland consult an attorney. Please let us know if you have any questions or suggestions.