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 among today’s most popular cards (and our unanimous top choice). This credit card burst out of the door a couple of years back with a tremendous sign-up reward and has continued being a force to be reckoned with among movement rewards cards from that point onward.

The advantages accompanying this card are a fantasy for any constant traveler, a yearly $300 travel credit, Global Entry or TSA PreCheck credit, Priority Pass Select participation for open access, travel protection, and half more incentive from your focus when booking travel through the Chase Travel Portal. Chase Sapphire Reserve car rental insurance must be offered when many benefits are offered.

With such numerous extraordinary advantages, it can get overpowering. Along these lines, we will separate it for you and spotlight only each edge 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

Image Source: 10x Travel
Image Source: 10x Travel

The following is a list of all the fantastic benefits 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 three 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 booming prizes pace of 4.5% on exercise and eating and 1.5% on other 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, and 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 refunded with the credit do not earn 3X points.) The automatic recognition 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 TSA Precheck or Global Entry application expense when you charge the fee to your card. TSA Precheck gets you admittance to sped-up air terminal security lines; Global Entry gives you equal access and speedier traditional 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 different points on top of the 3 points per $1 you’d commonly acquire on movement. You will also get a free year of Lyft Pink, which incorporates benefits like 15% off Lyft rides, need air terminal pickups, and three postponed drop expenses for each month if you rebook within 15 minutes, and that’s just the beginning. Lyft Pink typically 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 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 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., usually 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 more than 1,000 parlors in more than 500 urban communities worldwide. Priority Pass Select parlors exclude those worked by the vast U.S. transporters American, Delta, and United. Figure out how to augment Priority Pass Select.

Image Source: CNBC
Image Source: CNBC

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 an “extraordinary advantage remarkable to every property, for example, a spa bundle, eatery credit or gift voucher.

12. Cardholder hotline

Avoid using broadly applicable client care telephone trees. Chase Sapphire Reserve clients get every minute of daily admittance to a committed client assistance line.

13. Purchase protection

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

14. Return protection

If you restore something you have purchased, but the store would not reclaim it, you may have the option to get repaid through Chase. The inclusion is valid 90 days after the purchase, up to $500 per thing and $1,000 yearly. Become familiar with bringing insurance back.

15. Extended warranty

This advantage adds an extra year to the manufacturer’s three-year (or less) warranty.

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, so you don’t need to include your protection by any stretch of the imagination, and it is 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 if 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

If your aircraft, train, transport, or other tagged travel encounters a defer that lasts six hours or requires an overnight remain, you’re concealed for  $500 per ticket that has not been reimbursed.

19. Lost luggage reimbursement

It gives up to $3,000 of inclusion per traveler if the aircraft harms or loses your processed or lightweight baggage. Applies to the cardholder and close relatives.

20. Medical emergencies during travel

If you or a close relative becomes ill or injured while traveling and needs an emergency clearing, you can be covered for up to $100,000 for clinical administration and transportation.

Image Source: OECD
Image Source: OECD


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

  • – Any damage that occurs while driving under the influence of drugs or alcohol.
  • – Any damage that occurs due to you breaking the law.
  • – Any damage that occurs while you are driving a rental car.
  • – Any damage that occurs while driving outside the United States.
  • – Any damage due to driving on a suspended or revoked license.
  • – Any damage that occurs due to you driving without insurance.
  • – Any damage due to driving without a valid driver’s license.
  • – Any damage that occurs due to 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 25.
  • – Any other drivers who are specifically named on your policy.
  • – Any authorized drivers who are driving your car with your permission.


Image Source: Insurance Information Institute
Image Source: Insurance Information Institute

If you need to file a claim, call Sapphire Reserve’s customer service number or log 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 Sapphire Preferred Benefits
Image Source: 10x Travel

Most rental vehicle organizations constrain you to acknowledge their Collision Damage Waiver (CDW), which can be costly. The CDW inclusion accompanying the Chase Sapphire Preferred permits you to decrease the rental vehicle organization’s inclusion with certainty and still be covered. Notwithstanding phenomenal rental vehicle inclusion, you will acquire 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

First, it’s important to note that most credit cards include supplemental insurance for rental automobiles. It indicates that the insurance on the card will only cover the sum left uninsured by the driver’s other policies. You would thus need to submit a claim with your additional insurance first. It may be a time-consuming procedure, as anybody who has worked with insurance providers will be aware.

However, personal auto insurance is irrelevant when a credit card is the principal source of coverage. No matter the renter’s additional coverage, the primary insurance takes precedence, as the name says, by dialing the number on the back of your card.

The Benefits of Primary Insurance

With primary coverage, you can avoid filing a claim with your auto insurance, which would otherwise require you to pay a deductible and raise your monthly rate. Additionally, primary coverage is more likely to have tolerant conditions and fully cover the cost of the vehicle. In contrast, limits, shorter permitted rental terms, and fewer countries insured for rentals.

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 using 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 additional 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.

  • Harm or burglary to the covered rental vehicle (up to the genuine money estimation of the car)
  • Loss of utilization charges surveyed by the rental vehicle organization
  • Sensible towing charges to the closest fixed 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

Image Source: Insurance Coverage
Image Source: Insurance Coverage

Benefit Overview

Gives repayment to harm because of crashes or burglaries for most rental vehicles moving within the U.S. and abroad.

  • In the country you live in, inclusion is auxiliary when leasing for personal reasons and enhances 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 before getting inclusion under this advantage.
  • Start and complete the rental exchange utilizing the covered Chase card and decrease the rental organization’s collision 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 actual 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 the covered rental vehicle
  • Sensible and standard towing charges identified with a covered misfortune to take the car to the closest qualified fix office
  • Legitimate loss-of-utilization charges brought about by the rental car office

What’s Not Covered

It is anything but a comprehensive rundown. Models include:

  • Costly
  • Outlandish
  • Vintage cars
  • Vans intended to convey more than eight individuals
  • Vehicles that have an open freight bed
  • Trucks
  • Bikes
  • Mopeds
  • Motorbikes
  • Limousines
  • Recreational vehicles
  • Costs repaid under your 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
  • Any rentals over 31 days in duration, any kind of lease
  • Expenses repaid through other forms of insurance

Important Claim Information and Timeframes

Image Source:
Image Source:
  • If 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 within 60 days of the damage or burglary.
  • The Benefit Administrator will send you a case structure when you report your misfortune; you should present a finished case structure within 100 days of the harm or robbery.
  • Present all necessary supporting documentation within 365 days of the damage or robbery.

Using Chase Travel Portal For Reserving A Rental Vehicle

It’s essential to understand how rentals booked this way operate. You must do so through the Chase Travel Portal to be eligible for the 10x earning rate. Chase’s rental costs are comparable to or even less than other online travel firms. Here are a few recent booking examples showing pricing parity between Chase and other portals for the same period and area.

There are certain circumstances when the Chase Travel Portal charges a little more for rentals than a rival service. On a few occasions, Costco Travel produced a lower figure than any other site. In this case, you have two options:

  • The less expensive rate could be reserved with the Chase Sapphire Reserve, earning 3 points for every dollar spent.
  • You may continue using the more expensive rate through the Chase Travel Portal and receive 10 points for each dollar.

Everything is dependent on how much value you get from your Chase points. Earning 10 points for every dollar is a respectable 20% return if you value them at, like us, 2 cents apiece. It could be worth an increase in expenditure.

However, assuming everything else is equal, listed below are the pricing for a compact car from each of the websites mentioned above, the quantity of Chase points you’d receive in exchange,  the amount of Chase points you’d receive in business, and the potential returns based on TPG’s estimates.

  • Chase Travel Portal: $490,4,900 points at a value of $98
  • Priceline: $489; rewards 1,467 points at a value of $29.34
  • Kayak: $487; 1,374 points at a value of $27.48.

Although booking via Chase is slightly more expensive, you might still want to do so, considering the value of the benefits you can obtain.

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred Rental Car Insurance
Image Source: AutoSlash

In case you anticipate leasing a vehicle for your next getaway, presently is the ideal opportunity to add the Chase Sapphire Preferred Card or Chase Sapphire Reserve to your wallet. No, it is not only for the big 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.

It is usually called a “Collision Damage Waiver” or CDW. Luckily, numerous famous credit cards offer vehicle rental inclusion and permit you to decrease this additional charge while appreciating the vehicle’s security. This sort of vehicle rental protection takes care of the expense of fixes to your rental if it is harmed or taken. It doesn’t cover risk or personal injury. Be that as it may, 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 special privileges and discount codes with different car rental agencies.

 Image Source: CNN
Image Source: CNN

National Car Rental

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

The Advantages of Emerald Club Executive

  • Exception service: When renting in Europe, Latin America, or the Caribbean, request expedited services.
  • Upgrades promised: When you make a reservation in the US and Canada using the Midsize rate, you are always assured of a free upgrade.
  • Drop and run: If your vehicle was not damaged during the rental, you may quickly drop it off and leave with the help of an easy email receipt.
  • Access to the Executive Area: Choose any automobile in the Executive Area (full size and above) and pay the mid charge ( in the US and Canada).
  • More quick free rental days: Earn one rental credit for each eligible vehicle rental. Six credits equal one free rental day.
  • No additional fees for second drivers ( except rentals in Europe): Never charge more when friends, relatives, or coworkers take the wheel.
  • 3X on travel: All travel-related transactions, including those for rental cars, earn 3X rewards with the Chase Sapphire Reserve. However, the only kind of qualifying trip purchase is a rental automobile.
  • $300 towards travel: The $300 yearly travel credit may be spent on many other items, including rental vehicles, much as the bonus category on travel, so this is a terrific method to pay for your rental car trip expenditures.

You can 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 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 deal 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 must 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. They 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 value must be applied at the time of booking and can only be used when booking directly through Silvercar.

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

Compared to platinum

The Amex Platinum Card’s primary distinction is that it only provides secondary rental vehicle coverage. If you only provide secondary rental vehicle coverage. If you only provide secondary rental vehicle coverage. You must pay more for primary rental vehicle coverage if you have an Amex card. The Platinum Card also provides several benefits for various rental vehicle companies:

  • Avis Preferred status
  • Hertz Gold Plus Rewards
  • National Emerald Club Executive status

There isn’t much difference in the rental car benefits these cards give because the Avis Preferred, Hertz Gold, and Sapphire Reserve are all open to the public and offer Nation Emerald Club Executive status. The reductions you receive as a Visa Infinite cardholder equal any unique discounts available only to platinum cardholders. With the 25% and 30% saving along with the Silvercar benefits and primary rental car insurance, however, Reserve’s rental vehicle benefits are superior to those of the Platinum Card.

Chase Sapphire Preferred Car Rental Privileges Discount

Chase Sapphire Car Insurance
Image Source: Bankrate

The Chase Sapphire Reserve or Preferred cards qualify you for unique advantages with several 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 more. You can get up to a 25% discount 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 (even though 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 focus 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 benefit from Silvercar, 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. If you are driving a rental vehicle and get into a mishap or have your vehicle taken, last car rental assurance kicks in first. This keeps you from expecting to present the case to your insurance agency and exposing you to a potential deductible and future rate climbs.

Suppose you decrease the vehicle rental organization’s discretionary CDW and utilize the Chase Sapphire Preferred or Chase Sapphire Reserve to pay for the vehicle. In that case, you will get repayment for harm because of impact or robbery, up to the actual money estimation of most rental cars. 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 act as the hero when things go amiss, particularly when 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. There are many other card alternatives with essential vehicle rental inclusion. Yet, the Sapphire Preferred is our top pick because of its unfathomably lucrative worth, particularly for somebody beginning with points and miles.

Does Chase Debit Card Cover Car Rental Insurance?

Car rental insurance can be a significant expense, but did you know that your choice of payment method could make a big difference? While credit cards often offer superior benefits like reward points and comprehensive car rental insurance, debit cards may not provide the same level of coverage.

When you rent a car, you’re often faced with the option to purchase collision damage coverage, which can add up to $27 per day to your rental cost. However, using the right credit card can eliminate this extra fee entirely.

To activate this benefit, simply charge the entire rental cost to your credit card and decline the collision damage coverage offered by the rental company. This waiver, known as a collision damage waiver (CDW), can save you a significant amount of money.

Credit cards typically offer two types of car rental insurance: secondary and primary coverage. Secondary coverage, provided by major credit card companies, kicks in after your primary auto insurance policy. This type of coverage usually includes towing and loss of use fees charged by the rental company during repairs.

Primary coverage, available on select cards like the Chase Sapphire Preferred Card, is ideal if you don’t have primary auto insurance or if your policy lacks comprehensive coverage. With primary coverage, you’re reimbursed for theft and collision damage up to the actual cash value of the vehicle, both domestically and internationally.

However, it’s important to note that there are limitations to credit card rental insurance. Luxury vehicles, full-size vans, antique cars, trucks, and off-road vehicles are typically not covered. Additionally, coverage is usually limited to 15 days for domestic rentals and 31 days for international rentals.

When using credit card rental insurance, only drivers who are cardholders or authorized users on the account are covered. Claims must also be filed within a certain timeframe to be eligible for reimbursement.

Before relying solely on credit card rental insurance, it’s essential to verify your coverage and understand any exclusions. While the benefits can be substantial, it’s crucial to choose the right card and understand the terms and limitations of the coverage provided.

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 incident date.

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

Chase Sapphire Reserve Card Chase Sapphire Preferred 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






Chase Sapphire Reserve®

●       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.


Chase Sapphire Car Insurance - frequently asked questions
Image Source: Sales & Marketing Technologies

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 if 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?

To get rental car insurance coverage, purchase a Chase Sapphire credit card first. 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 Car Insurance 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.


When leasing a vehicle, ensure to verify your coverage with your primary insurance provider and your credit card company for maximum benefits. This advantage proves to be significantly more valuable than mere reward points, making the choice to use a credit card over a debit card seamless. The primary vehicle rental insurance coverage provided by the Sapphire Reserve and Sapphire Preferred cards can potentially save customers a substantial amount of money in the right circumstances.

Avoid being caught off guard with hefty expenses during a vehicle emergency on holiday trips. Credit card benefits serve as a reliable safety net, easing financial burdens. Notably, primary vehicle rental insurance in the U.S. stands out among compensation cards. Even if you possess another card offering Collision Damage Waiver (CDW), your Sapphire card is likely to offer the most comprehensive protection.

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.