How Credit Card Rental Car Insurance Works | Capital One (2024)

FAQs

How do I file a claim with Capital One rental car insurance? ›

How To Make a Capital One Rental Car Insurance Claim. If your rental car is damaged or stolen, you should contact the benefits administrator immediately at 1-800-825-4062. For those calling from outside of the United States, you can call collect at 1-804-965-8071.

Some cards, like the Capital One Venture Rewards Credit Card, will only provide secondary insurance for your vehicle. While others, like the Capital One Venture X Rewards Credit Card, feature primary coverage, which will handle your claim without affecting any personal policies that you may hold.

When you use your Visa card to book a car and pay the full price of the rental, you are covered by this insurance. To access this coverage you must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the car rental company in its rental agreement. Visa does not provide insurance.

Chip Lupo, Credit Card Writer

Capital One Spark Cash Plus rental car insurance covers damage or theft of the vehicle, damage or theft of personal items, loss of use and towing charges. Cardholders are covered up to the actual cash value of the vehicle, up to $50,000.

Find the status of your claim and what to expect with receiving your refund. When applicable, a temporary credit will typically be granted which can take up to 10 business days. Please allow 45-120 calendar days for final determination on your claim.

Renting a car with a credit card in a nutshell

If you're looking for a travel credit card to use for your next car rental, check out the Capital One Venture card. Eligible cardholders earn 5 miles per dollar on travel purchases, including rental cars booked through Capital One Travel.

Credit card balance insurance benefits apply to the amount you owed on your card at the date of loss. This means the date of death, unemployment, total disability, or your critical illness diagnosis. Credit card balance insurance benefits won't cover purchases you make on your credit card after the date of loss.

Shop with confidence — your new purchases are protected

When you use your Visa Infinite card and your purchase is stolen or damaged within the first 90 days Purchase Security can replace, repair or reimburse the item ($10,000 maximum per claim and $50,000 maximum per year).

What's the difference between LDW and CDW? CDW covers damage to the rental vehicle in case of an accident. LDW offers the same protection, as well as coverage if the car is stolen. Since these terms are sometimes used interchangeably, pay attention to the fine print to know what kind of coverage you're getting.

You have access to three medical plan options: a Consumer-Driven Health Plan (CDHP) and two PPO options through Anthem Blue Cross Blue Shield. These medical plan options offer you a range of coverage levels and costs, so you can choose the one that's best for you and your family.

Does credit card rental insurance cover other drivers? ›

The rental coverage covers the cardholder, any other drivers on the car rental agreement, and potentially your spouse or domestic partner. If you let another person drive your rental car and they weren't listed as an authorized driver on the rental agreement, any damage they cause in a wreck may not be covered.

If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control. Typically, credit card travel insurance only covers the expenses that you charge to that specific card.

From the U.S. or Canada: 1-800-227-4825. Internationally: 1-804-934-2001.

Purchase protection from Capital One covers eligible purchases in case of damage or theft. This coverage can be good for up to $1,000 per loss and up to $25,000 for each cardholder account over any 12-month period.