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Chase Sapphire Preferred®
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 the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Benefit Overview
Please note that this is a summary of this benefit. Full terms and conditions apply, and are available to existing customers in the Chase Sapphire Preferred Guide to Benefits.

Provides reimbursement for damage due to collision or theft for most rental vehicles when traveling within the U.S. and abroad.
  • It is primary coverage which means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit
  • Initiate and pay for the entire rental transaction using the covered Chase card and decline the rental company’s collision damage waiver or loss damage waiver
If you have questions about a specific vehicle or rental check with the Benefit Administrator prior to your travel.
Woman sitting inside car
Who's Covered
  • Cardholder (name is embossed on the card and listed as the primary renter)
  • Additional drivers permitted by the rental agreement (authorized persons)
What's Covered
  • Physical damage and/or theft of covered rental vehicle
  • Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility
  • Valid loss-of-use charges incurred by the rental car agency
Coverage Amount/Period
  • Up to the actual cash value of the rental car
  • Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days
What's Not Covered
    This is not an exhaustive list. Examples include:
  • Expensive, exotic, and antique automobiles; vans designed to carry more than 9 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles
  • Expenses reimbursed under your personal auto insurance policy, your employer or your employer’s insurance
  • Any obligation you assume under any other agreement
  • Injury of anyone or anything inside or outside of the vehicle
  • Leases and mini leases; including hourly rentals and car share services
  • Any violation of the auto rental agreement
  • Loss or theft of personal belongings
Important Claim Information and Timeframes
  • If you, the Cardholder, have an incident, contact the Benefit Administrator immediately to report theft or damage, regardless of whether your liability has been established
  • You must notify the Benefit Administrator within 60 days of the damage or theft
  • The Benefit Administrator will send you a claim form when you report your loss; you must submit a completed claim form within 100 days of the damage or theft
  • Submit all required supporting documentation within 365 days of the damage or theft
Need to know more?
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^These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.
Existing Cardmembers: Please refer to your Guide to Benefits for a full explanation of coverages, or call the number on the back of your card for assistance.
New Cardmembers: Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.