Chase Sapphire Reserve Car Rental Insurance

Chase Sapphire Reserve car rental insurance, is one of the best ones in the United States. Read the article to find out more details and learn about the benefits it offers.

The Chase Sapphire Reserve Card is one of the most popular cards available today (and our undisputed top choice). This credit card burst out of the door a couple of years back with a tremendous sign-up reward and has kept on being a force to be reckoned with among movement rewards cards from that point onward.

The advantages that accompany this card are a fantasy for any incessant traveller, a yearly $300 travel credit, Global Entry or TSA PreCheck credit, Priority Pass Select participation for relax access, travel protection, and half more incentive from your focuses when booking travel through the Chase Travel Portal. When so many benefits are being offered, surely there must be a Chase Sapphire Reserve car rental insurance.

With so numerous extraordinary advantages, it can get somewhat overpowering. Along these lines, we will separate it for you and spotlight on only each advantage in turn. This post will show you all you require to think about the vehicle rental protection and advantages that accompany the Chase Sapphire Reserve.

Table of Contents

Chase Sapphire Reserve Benefits

The following is a list of all the amazing benefits that you will receive if you have a Chase Sapphire Reserve card.

1. A big sign-up bonus

The backer depicts it in this manner: “Acquire 50K extra bonuses after you burn through $4,000 on buys in the initial 3 months from account opening. That is $750 toward movement when you reclaim through Chase Ultimate Rewards.”

2. Bonus rewards on dining and traveling

For every dollar you spend on dining and travel worldwide, you get 3 Chase Ultimate Rewards points, and 1 point for every dollar on all other purchases.

3. 50% more value when redeeming for travel

Ultimate Reward points are typically worth 1 penny each. Yet, Chase Sapphire Reserve cardholders who reclaim them for movement booked through Chase can get 1.5 dollars per point. That gives you a successful prizes pace of 4.5% on movement and eating and 1.5% on different purchases.

4. Point transfers to hotels and airlines

You can move your points to around twelve aircraft and lodging dependability programs at a 1:1 proportion. Contingent upon the program and how you utilize the transferred points, you could press out significantly more incentive than the 1.5 pennies per point you get for booking through Chase. Its transfer partners are:

  • Airlines: United, Southwest, JetBlue, Aer Lingus, Air France/KLM, British Airways, Iberia, Singapore Airlines, Virgin Atlantic.
  • Hotels: Marriott, IHG, Hyatt.

5. $300 a year in travel credit

If there’s a single, signature Chase Sapphire Reserve® benefit, this is probably it. The card automatically reimburses you for $300 in travel expenses charged to the card each year. (However, purchases reimbursed with the credit do not earn 3X points.) The automatic credit effectively cuts the annual cost of carrying the card to $250. Learn more about travel credits.

6. TSA precheck/global entry credit

Every four years, you are qualified for a credit of up to $100 as repayment for the application expense for TSA Precheck or Global Entry, when you charge the expense to your card. TSA Precheck gets you admittance to sped up air terminal security lines; Global Entry gives you a similar access, in addition to speedier traditions screening when entering the nation. Get familiar with TSA Precheck and Global Entry.

7. Lyft pink membership and extra points on lyft rides

Procure 10 points per $1 spent on Lyft rides through March 2022 — 7 extra points on top of the 3 points per $1 you’d commonly acquire on movement. You will additionally get a free year of Lyft Pink, which incorporates benefits like 15% off Lyft rides, need air terminal pickups, three postponed drop expenses for each month in the event that you rebook inside 15 minutes, and that’s just the beginning. Lyft Pink normally costs $19.99 every month. You or your approved client must actuate this advantage by March 31, 2022.

8. Doordash discounts

Leave the cooking to others with two different ways to save money on DoorDash conveyances. Get up to $120 in articulation credits for qualifying DoorDash buys through Dec. 31, 2021 (up to $60 in proclamation credits through Dec. 31, 2020, and afterward up to $60 in articulation credits between Jan. 1 and Dec. 31, 2021). You will additionally get a free DashPass participation for as long as two years when you actuate the advantage by Dec. 31, 2021. With DashPass, you will pay no conveyance expenses on requests over $12. DashPass would customarily cost $9.99 every month.

9. No foreign transaction fee

Many charge cards slap an additional charge on all purchases made outside the U.S. normally 3% of the buy sum. Great travel cards like the Chase Sapphire Reserve do not force this charge.

10. Priority pass select lounge access

Chase Sapphire Reserve benefits incorporate the capacity to try out Priority Pass Select at no expense. Participation gives you admittance to in excess of 1,000 parlors in more than 500 urban communities around the world. Note that Priority Pass Select parlors do exclude those worked by the huge U.S. transporters American, Delta and United. Figure out how to augment Priority Pass Select.

11. Luxury hotels benefits

Cardholders remaining at one of the top of the line properties in Chase’s Luxury Hotel and Resort Collection can appreciate a variety of advantages: day by day breakfast for two, free Wi-Fi, room updates when accessible, early registration and late checkout, and a “extraordinary advantage remarkable to every property, for example, a spa bundle, eatery credit or gift voucher.

12. Cardholder hotline

Try not to play with broadly useful client care telephone trees. Chase Sapphire Reserve clients get every minute of every day admittance to a committed client assistance line.

13. Purchase protection

When you purchase something with your card, it is covered against theft or damage for almost 120 days, and $10,000 for each item, and $50,000 per year.

14. Return protection

On the off chance that you need to restore something you have purchased however the store would not reclaim it, you may have the option to get repaid through Chase. The inclusion is useful for 90 days after the purchase has been made, up to $500 per thing and $1,000 every year. Become familiar with bringing insurance back.

15. Extended warranty

An extra year is added onto the manufacturer’s three year (or less) warranty because of this advantage.

16. Rental car coverage

Pay for an auto rental with your card and decrease the rental office’s protection inclusion, and you’re concealed for $75,000 against impact or robbery. Inclusion is essential, which means you don’t need to include your own protection by any stretch of the imagination, and accessible both in the U.S. and abroad.

17. Trip cancellation or interruption insurance

Get repaid for up to $10,000 per individual and $20,000 per trip on the off chance that you need to drop or stop your vacation due to illness, climate and other covered circumstances. Repayment applies just to prepaid, nonrefundable travel costs.

18. Trip delay reimbursement

On the off chance that your aircraft, train, transport or other tagged travel encounters a defer that keeps going over six hours or requires an overnight remain, you’re concealed for costs to $500 per ticket that have not been reimbursed.

19. Lost luggage reimbursement

This gives up to $3,000 of inclusion per traveler if your processed or lightweight baggage is harmed or lost by the aircraft. Applies to the cardholder and close relatives.

20. Medical emergencies during travel

On the off chance that you or a close relative becomes ill or injured while travelling and needs an emergency clearing, you can be covered for up to $100,000 for clinical administrations and transportation.


Chase Sapphire Preferred
Chase Sapphire Preferred


Here is what is NOT covered under the sapphire Reserve’s car insurance policy:

  • – Any damage that occurs while you are driving under the influence of drugs or alcohol.
  • – Any damage that occurs as a result of you breaking the law.
  • – Any damage that occurs while you are driving a rental car.
  • – Any damage that occurs while you are driving outside of the United States.
  • – Any damage that occurs as a result of you driving on a suspended or revoked license.
  • – Any damage that occurs as a result of you driving without insurance.
  • – Any damage that occurs as a result of you driving without a valid driver’s license.
  • – Any damage that occurs as a result of you failing to comply with the terms and conditions of your car insurance policy.


The sapphire Reserve’s car insurance policy covers the following people:

  • – You, the policyholder.
  • – Your spouse or domestic partner.
  • – Your children who live with you and are under the age of 25.
  • – Any other drivers who are specifically named on your policy.
  • – Any authorized drivers who are driving your car with your permission.


If you need to file a claim, you can do so by calling the sapphire Reserve’s customer service number or by logging into your account online. You will need to have the following information handy when you call or log in:

  • – Your policy number
  • – The date and time of the accident
  • – A description of the accident
  • – The name, address, and phone number of the other driver involved in the accident
  • – The name and contact information of any witnesses to the accident

Chase Sapphire Preferred Benefits

Chase Shapphire
Chase Shapphire

Most rental vehicle organizations constrain you to acknowledge their own Collision Damage Waiver (CDW), which can be very costly. The CDW inclusion that accompanies the Chase Sapphire Preferred permits you to decrease the rental vehicle organization’s inclusion with certainty and still be covered. Notwithstanding getting phenomenal rental vehicle inclusion, you will be acquiring 2 Ultimate Rewards Points for every dollar spent on your vehicle rental when utilizing the Chase Sapphire Preferred. You will likewise cause no unfamiliar exchange expenses on global vehicle rentals.

Primary Coverage vs. Secondary Coverage

Rental vehicle inclusion that accompanies credit cards can be optional — this implies that you should initially document a case with your essential insurance agency before the auxiliary inclusion will kick in. In any case, the inclusion on the Chase Sapphire Preferred is essential inclusion — you do not need to document a case with another insurance agency first. Another positive is that Chase’s essential Collision Damage Waiver (CDW) inclusion is not restricted to rentals outside the nation (this is normal with other credit card CDW inclusion). The inclusion is given on an essential premise in the United States and also worldwide in many other countries.

Coverage Extends to Other Drivers

Another motivation to utilize the Chase Sapphire Preferred to pay for your rental vehicle is the augmentation of inclusion to different drivers. The accompanying drivers are covered for CDW when utilizing the card:

  • Essential cardholder when driving the vehicle
  • Any extra driver recorded on the tenant contract
  • Approved clients on your Chase Sapphire Preferred who lease with their card
  • Any extra driver recorded on the approved client tenant contract

Dissimilar to other premium Mastercards, Chase doesn’t charge an expense for adding an approved client to your Chase Sapphire Preferred.

What is Covered?

The card’s CDW inclusion will repay you for covered costs acquired on the rental vehicle, including:

  • Harm or burglary to the covered rental vehicle (up to the genuine money estimation of the vehicle)
  • Loss of utilization charges surveyed by the rental vehicle organization
  • Sensible towing charges to the closest fix office
  • Essential inclusion for vehicle rentals is legitimate in many nations.

You should contact the benefits manager before your excursion to acquire an inclusion letter and affirm that you will have inclusion in the nation where you are leasing the vehicle.

Chase Car Rental Insurance

Insurance Coverage
Insurance Coverage

Benefit Overview

Gives repayment to harm because of crash or burglary for most rental vehicles when moving within the U.S. and abroad.

  • In the country you live in, inclusion is auxiliary when leasing for individual reasons and enhancements any substantial and collectible protection or repayment from any source. On the other hand, if you are not in your country of residence, you do not need to guarantee installment from some other wellspring of protection prior to getting inclusion under this advantage
  • Start and complete the whole rental exchange utilizing the covered Chase card and decrease the rental organization’s collision damage waiver or loss damage waiver.

Who’s Covered

  • Cardholder, whose name is embossed on the card. This person is a primary renter.
  • Additional drivers authorized by the rental agreement.

Coverage Amount/Period

  • Up to the real money estimation of the rental vehicle
  • Vehicle rental periods that do not surpass nor plan to surpass 31 back to back days

What’s Covered

  • Physical damage and burglary of covered rental vehicle
  • Sensible and standard towing charges identified with a covered misfortune to take the vehicle to the closest qualified fix office
  • Legitimate loss-of-utilization charges brought about by the rental car office

What’s Not Covered

This is anything but a comprehensive rundown. Models include:

  • Costly, outlandish, and vintage cars; vans intended to convey in excess of 8 individuals; vehicles that have an open freight bed; trucks; bikes, mopeds, and motorbikes; limousines; and recreational vehicles
  • Costs repaid under your own auto insurance policy, your manager or your boss’ protection
  • Any commitment you expect under some other arrangement
  • Injury of any person or thing inside or outside of the vehicle
  • Leases and smaller than usual leases
  • Any infringement of the auto tenant contract
  • Misfortune or robbery of individual possessions

Important Claim Information and Timeframes

  • On the off chance that you, the Cardholder, have an episode, contact the Benefit Administrator quickly to report robbery or harm, whether or not your obligation has been set up
  • You should tell the Benefit Administrator inside 60 days of the harm or burglary
  • The Benefit Administrator will send you a case structure when you report your misfortune; you should present a finished case structure inside 100 days of the harm or robbery
  • Present all necessary supporting documentation inside 365 days of the harm or robbery

Chase Sapphire Preferred Rental Car Insurance

Rental Car Discounts
Rental Car Discounts

In case you are anticipating leasing a vehicle for your next get-away, presently is the ideal opportunity to add either the Chase Sapphire Preferred Card or Chase Sapphire Reserve to your wallet. No, it is not only for the weighty sign-up reward or the reward Ultimate Rewards points you will procure by paying for the vehicle with the card (2x on the Preferred and 3x on the Reserve). All things being equal, it is the layer of protection you will get, because of an advantage known as primary car rental inclusion, which can spare you hundreds or even a large number of dollars in case of a mishap.

This is usually alluded to as a “Collision Damage Waiver” or CDW. Luckily, numerous famous credit cards offer vehicle rental inclusion and hence permit you to decrease this additional charge yet at the same time appreciate security on the vehicle. This sort of vehicle rental protection takes care of the expense of fixes to your rental on the off chance that it is harmed or taken. It doesn’t cover risk or individual injury. Be that as it may, by far most of these approaches give you optional inclusion. As the name demonstrates, this would kick in on an auxiliary premise after other appropriate protection arrangements apply (to be specific your very own vehicle protection) in case of harm or misfortune to your rental vehicle.

Special Car Rental Privileges and Discount Codes

Along with collision and theft protection, your Chase Sapphire Reserve offers you special privileges and discount codes with different car rental agencies.

National Car Rental

The Chase Sapphire Reserve comes with complimentary Emerald Club Executive Level membership with National Car Rental.

You can also save up to 25% on qualifying rentals in the United States, Canada, Latin America, and the Caribbean using code 5030849. To be eligible for this discount you must book directly through National on their website or by calling National at 1-800-227-7368.


Once you’re enrolled in Avis Preferred you can save up to 30% on qualifying rentals with Avis Worldwide Discount (AWD) Number S107100.

To receive this discount, you must book directly through Avis — the discount doesn’t apply when booking a rental car through the Chase Ultimate Rewards travel portal.

The discount applies to the base rate only and will vary based on location, date, and type of car. You’re required to make your reservation 24 hours in advance to receive these benefits.

Because the Chase Sapphire Reserve card is a Visa Infinite card, cardholders also get complimentary Avis Preferred Plus membership and can earn free weekend rentals and receive up to 10% off base rates on Select Series rentals.


After creating a Silvercar account and verifying your card’s eligibility, you’ll be eligible for special discounts as a Chase Sapphire Reserve cardholder.

Your Chase Sapphire Reserve must be saved as the default payment on your Silvercar account to receive a discount. The discount must be applied at the time of booking and can only be used when booking directly through Silvercar.

The discount isn’t available when booking a rental car through the Chase Ultimate Rewards travel portal.

Chase Sapphire Preferred Car Rental Privileges Discount

Chase Debit Card
Chase Debit Card

Having the Chase Sapphire Reserve or Preferred cards, qualifies you for uncommon advantages with a couple of significant vehicle rental organizations.

At National Car Rental, you can get free Executive level tip top status in the office’s unwaveringly program, Executive Club. That gets you an overhauled vehicle type, quicker rentals, a superior selection of vehicles, deferred expenses to add a second driver to your record, and then some. You can likewise get a rebate of up to 25% when you book straightforwardly, pay with the Sapphire Reserve, and utilize the markdown code 5030849.

You can likewise get benefits with Avis by enacting free Avis Preferred enrollment (despite the fact that this is accessible regardless of whether you do not have the Sapphire Reserve). That qualifies you for Avis Preferred Service, up to half more rewards focuses on rentals, and free updates where accessible. You can likewise get discounts of up to 30% with the code S107100 when you pay with the card.

At last, Sapphire Reserve cardholders can get benefits with Silvercar, which is essentially, a 30% rebate. To actuate these arrangements, sign into your Chase record, and visit the Sapphire Reserve’s Card Benefits page.

Primary coverage works in a contrary manner. In case you are driving a rental vehicle and get into a mishap or have your vehicle taken, primary car rental assurance kicks in first. This keeps you from expecting to present the case to your own insurance agency and exposing you to a potential deductible and future rate climbs.

On the off chance that you decrease the vehicle rental organization’s discretionary CDW and utilize the Chase Sapphire Preferred or Chase Sapphire Reserve to pay for the vehicle, you will get repayment for harm because of impact or robbery up to the real money estimation of most rental vehicles. You would not need to document a case with some other wellspring of protection before you can get inclusion under this advantage.

Opening and utilizing travel rewards credit cards is an extraordinary method to open important reclamations like extravagant lodgings or premium-class flights. In any case, a less-proclaimed arrangement of advantages on these cards can truly act the hero when things go amiss, particularly when you are voyaging. Paying for harm to a rental vehicle is one, yet paying with a card like the Chase Sapphire Preferred Card will guarantee that it does not cost you beyond what is imaginable. Obviously, there are a small bunch of other card alternatives with essential vehicle rental inclusion, yet the Sapphire Preferred is our top pick on account of the unfathomably lucrative worth it offers, particularly for somebody simply beginning with points and miles.

Does Chase Debit Card Cover Car Rental Insurance?

There is not a ton of contrast between credit and debit cards with regards to paying for administrations. Be that as it may, benefits, for instance reward points, and auxiliary or essential car rental insurance, are certainly better with credit cards as far as possible.

On the off chance that you ever leased a vehicle and needed to pay the additional expense for impact harm inclusion, at that point you see how important this advantage is. Vehicle rental organizations charge a normal pace of $27 every day for this extra inclusion. Utilizing a credit card, particularly the correct credit card, can dispense with this charge totally.

To enact inclusion, you need to charge the whole vehicle rental to the credit card that you are utilizing. At that point, when you start a rental, you should decrease the crash harm inclusion offered by the vehicle rental organization. This decay is alluded to as a collision damage waiver or CDW.

There are two sorts of vehicle rental protection offered by credit cards. Secondary inclusion is offered by each of the four significant Visa organizations. You should have primary coverage through your standard vehicle protection transporter, at that point the secondary coverage offered by the credit card organization will cover your deductible. But they commonly additionally incorporate towing and loss of utilization of the vehicle by the rental organization during the maintenance time frame.

Prior to starting this blend of inclusions, you should initially contact your primary coverage transporter to ensure they cover vehicle rentals. They commonly do, as long as the retail estimation of the rental vehicle is equivalent to or not exactly the retail estimation of your present car.

The second kind of car rental inclusion offered by credit cards is essential inclusion. This is a decent decision in the event that you have no essential vehicle protection strategy, or you have an arrangement that doesn’t give crash and thorough inclusion. Primary coverage is just accessible on select cards.

There are sure cutoff points with respect to vehicle rental protection given by credit cards. For instance, none of the cards offer inclusion for top of the line vehicles (for the most part esteemed at $50,000 or higher), full-size vans, old fashioned vehicles, trucks or rough terrain vehicles. Inclusion is regularly restricted to close to 15 days for homegrown rentals and 31 days for worldwide vehicle rentals. Roadside help may likewise be accessible at an extra charge, however that is generally given by the vehicle rental organization.

Inclusion with credit card organizations will commonly incorporate just drivers who are additionally cardholders or approved clients on the credit card account. In the event that a driver is anything but an approved client, the inclusion won’t have any significant bearing. Each card additionally has a period limit inside which you should document a case after which the inclusion will at this point don’t matter.

In the Chase Sapphire Preferred Card, primary coverage is accessible and gives repayment up to the genuine monetary value of the vehicle for burglary and collision damage for most rental vehicles in the United States and abroad (consistently check to confirm your inclusion prior to leasing). Chase Sapphire likewise offers other travel rewards, including 2X points on movement when you utilize the card to pay for airfare, lodgings, travels, rental vehicles, train tickets, cabs, tolls and other travel charges. They likewise offer 2X points for feasting, which incorporates everything from fast food to food in high end restaurants.

How to get coverage

You must pay for the entire rental car transaction with your Chase Sapphire card to get Chase Sapphire rental car insurance coverage. You must decline the optional collision damage waiver coverage offered by the rental company.

How to file a claim

Submit a Chase Sapphire rental car insurance claim at Eclaims Line, or call the benefits administrator at 1-888-320-9656. You must file the claim with the credit card company no later than 60 days from the date of the incident.

Here’s a summary of these two standout Chase cars:

Chase Sapphire Reserved Card Chase Sapphire Prefferred Card


Good/Excellent (670-850)


Good/Excellent (670-850)


18.49% – 25.49% Variable


17.49% – 24.49% Variable


1x – 10x points


1x – 5x points






  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more


How does Chase Sapphire rental car insurance work?

Chase Sapphire rental car insurance works by providing protection for your rental car against physical damage and theft. It also covers any third-party liability arising from your use of the rental car. Finally, it provides 24/7 roadside assistance in case you have a problem with your rental car.

Does Chase Sapphire rental car insurance cover all types of vehicles?

No, Chase Sapphire rental car insurance does not cover all types of vehicles. It specifically excludes certain types of vehicles, including antique and exotic cars, motorcycles, mopeds, and golf carts. In addition, it only covers rentals in the United States, Puerto Rico, and Canada.

How do I get rental car insurance coverage?

In order to get rental car insurance coverage, you must first purchase a Chase Sapphire credit card. Then, you can add rental car insurance coverage to your account by calling the customer service number on the back of your card.

What is the cost of Chase Sapphire rental car insurance?

The cost of Chase Sapphire rental car insurance varies depending on the length of your rental and the type of vehicle you rent. However, it is generally very affordable, with rates starting at just $9 per day.

What type of car insurance does the Chase Sapphire Reserve provide?

The Chase Sapphire Reserve offers an auto rental collision damage waiver (CDW) that covers up to $75,000 in physical damages or theft. This coverage is primary, meaning you don’t have to submit a claim with any other insurance you might have first.


In case you will lease a vehicle, make certain to check your inclusion with both your essential protection transporter and your credit card organization, and you should be all set. This is a significant advantage that can be considerably more significant than reward points and positively makes utilizing a Mastercard the consistent decision over a check card. The primary vehicle rental protection inclusion that accompanies the Sapphire Reserve and Sapphire Preferred card can spare clients a ton of cash in the correct circumstance.

Nobody needs to be stuck paying many dollars for a vehicle crisis holiday, and credit card advantages can help soothe a portion of this pressure. Also, essential vehicle rental protection in the U.S. is phenomenal among remunerations cards. Regardless of whether you have another card that offers a CDW, it is likely your Sapphire card offers the best security.

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.