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Credit Cards / Rental Car Coverage #257850
06/10/2021 08:44 PM
06/10/2021 08:44 PM
Joined: Feb 2010
Posts: 181
Columbia, SC, USA
DandM29212 Offline OP
Traveler
DandM29212  Offline OP
Traveler
Joined: Feb 2010
Posts: 181
Columbia, SC, USA
Seems like the credit card companies continue to scale back on benefits to travelers. Today an email from Capital One:

Effective September 1, 2021, the following benefits are being discontinued:

• MasterRental® Coverage
• Extended Warranty Coverage
• Price Protection
• Travel Assistance Services
• Master RoadAssist® Service
• $100,000 Worldwide Automatic Travel Accident Insurance


This is the third card I've got that has rescinded all rental car coverage in the past few years.

Then you've got Amex's new "Premium Car Rental Protection" program which is essentially leading to making Car Rental Insurance a paid purchase as opposed to a no-cost card benefit.

Seems like the landscape is changing out there!


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Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #257867
06/11/2021 05:29 AM
06/11/2021 05:29 AM
Joined: Mar 2001
Posts: 16,250
Ohio
ruralcarrier Offline
Traveler
ruralcarrier  Offline
Traveler
Joined: Mar 2001
Posts: 16,250
Ohio
Yes, it has been happening. Discover dropped rental coverage some time ago. My Cap One VISA still offers rental car coverage but something tells me it will come to an end soon as well.


J.D.
Re: Credit Cards / Rental Car Coverage [Re: ruralcarrier] #257907
06/11/2021 10:25 AM
06/11/2021 10:25 AM
Joined: Mar 2009
Posts: 14,313
Auburn, WA
SXMScubaman Offline
Traveler
SXMScubaman  Offline
Traveler
Joined: Mar 2009
Posts: 14,313
Auburn, WA
Only my Visa and Mastercard Business cards still offer collision. My Aviator one still did last i checked last month.

Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #257952
06/11/2021 03:18 PM
06/11/2021 03:18 PM
Joined: Aug 2000
Posts: 11,567
Eric_Hill Offline

Traveler
Eric_Hill  Offline

Traveler
Joined: Aug 2000
Posts: 11,567
All depends on the CC that you have. Have a CC for years that provides primary coverage worldwide at no charge. Annual fee is $95. But the coverage is what I want and for the fee, that is fine.

Had the card for years, just about deleted it, but then it went to Mastercard worldwide. Requires a pin, etc for all purchases even in the US.

The deal is "Primary Coverage".... that is not the same as secondary coverage. So even in the US it would never go against my personal insurance.

Eric


Eric Hill
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Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #257960
06/11/2021 03:59 PM
06/11/2021 03:59 PM
Joined: Dec 2004
Posts: 4,338
Massachusetts
boucharda Offline
Traveler
boucharda  Offline
Traveler
Joined: Dec 2004
Posts: 4,338
Massachusetts
Sounds like the United World MasterCard. I always use it for car rentals because of the primary coverage.

Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #258070
06/12/2021 05:43 PM
06/12/2021 05:43 PM
Joined: Feb 2010
Posts: 181
Columbia, SC, USA
DandM29212 Offline OP
Traveler
DandM29212  Offline OP
Traveler
Joined: Feb 2010
Posts: 181
Columbia, SC, USA
It's hard enough to convince people that their credit cards don't include Liability Insurance. I just wonder how many people simply believe in the same uninformed manner that their credit card covers "collision" because "everyone" says it does, when in fact, their card may have dropped it long ago.


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Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #258073
06/12/2021 06:28 PM
06/12/2021 06:28 PM
Joined: Nov 2006
Posts: 1,700
B
Bahston Offline
Traveler
Bahston  Offline
Traveler
B
Joined: Nov 2006
Posts: 1,700
I trust nobody in life, with the possible exception of my wife. I check credit cards before I use them for rentals. Every single time. If you don't check, then you don't know. I have a card which is still Primary, and I have the Amex $29/rental (I think) backup.

Re: Credit Cards / Rental Car Coverage [Re: Bahston] #258077
06/12/2021 07:20 PM
06/12/2021 07:20 PM
Joined: Mar 2009
Posts: 14,313
Auburn, WA
SXMScubaman Offline
Traveler
SXMScubaman  Offline
Traveler
Joined: Mar 2009
Posts: 14,313
Auburn, WA
Yes. I called on all of mine before I left and found out which ones still did and which one one longer offer it. I had the ones that did email me confirmation that they covered it for my records.

Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #258087
06/12/2021 09:35 PM
06/12/2021 09:35 PM
Joined: Feb 2010
Posts: 181
Columbia, SC, USA
DandM29212 Offline OP
Traveler
DandM29212  Offline OP
Traveler
Joined: Feb 2010
Posts: 181
Columbia, SC, USA
Bahston and Scubaman - I wonder what percentile you'd fall into on the "Traveler Diligence Scale"? smile 99%+, I'm sure!


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Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #258101
06/13/2021 08:32 AM
06/13/2021 08:32 AM
Joined: Apr 2003
Posts: 662
Northern Michigan
dolfer Offline
Traveler
dolfer  Offline
Traveler
Joined: Apr 2003
Posts: 662
Northern Michigan
I use a Visa CC from USAA. They still cover rental liability worldwide. Great company, great card.


Dolfer

Re: Credit Cards / Rental Car Coverage [Re: dolfer] #258103
06/13/2021 09:01 AM
06/13/2021 09:01 AM
Joined: May 2008
Posts: 520
Central Coast, CA
C
cruzer Offline
Traveler
cruzer  Offline
Traveler
C
Joined: May 2008
Posts: 520
Central Coast, CA
Do they cover liability or just collision worldwide? I have their AMEX and it only covers collision here in SXM, altho' I use the COSTCO visa that offers collision and 3% back.

Re: Credit Cards / Rental Car Coverage [Re: dolfer] #258106
06/13/2021 09:13 AM
06/13/2021 09:13 AM
Joined: Sep 2000
Posts: 4,230
Newtown, CT
kim Offline
Traveler
kim  Offline
Traveler
Joined: Sep 2000
Posts: 4,230
Newtown, CT
Originally Posted by dolfer
I use a Visa CC from USAA. They still cover rental liability worldwide. Great company, great card.

You may want to double check that.

Chase Sapphire Reserve still
Has primary collision coverage, AMEX Platinum has secondary. We have worldwide liability through Chubb on our home policy. They were the only company we could
Find that offered it. Thanks

Last edited by kim; 06/13/2021 09:15 AM.
Re: Credit Cards / Rental Car Coverage [Re: dolfer] #258111
06/13/2021 10:38 AM
06/13/2021 10:38 AM
Joined: Mar 2009
Posts: 14,313
Auburn, WA
SXMScubaman Offline
Traveler
SXMScubaman  Offline
Traveler
Joined: Mar 2009
Posts: 14,313
Auburn, WA
Originally Posted by dolfer
I use a Visa CC from USAA. They still cover rental liability worldwide. Great company, great card.

I think you might have collision and Liability mixed up.

Re: Credit Cards / Rental Car Coverage [Re: dolfer] #258118
06/13/2021 11:27 AM
06/13/2021 11:27 AM
Joined: Oct 2013
Posts: 757
Perryman, Maryland
bdeeley Offline
Traveler
bdeeley  Offline
Traveler
Joined: Oct 2013
Posts: 757
Perryman, Maryland
USAA credit cards cover: Auto Rental Collision Damage Waiver


When you use your USAA credit card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the collision damage waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement.


DREAMS are made of SUN & SAND

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Re: Credit Cards / Rental Car Coverage [Re: DandM29212] #258121
06/13/2021 12:25 PM
06/13/2021 12:25 PM
Joined: Apr 2001
Posts: 325
CT
MamaB Offline
Traveler
MamaB  Offline
Traveler
Joined: Apr 2001
Posts: 325
CT
I just checked and my Barclay's Jet Blue Master Card still does cover collision for rental cars. Plus no yearly fee for the card! Unfortunately we had to use it last March - used the card to pay the rental place but once all my paperwork for the damage was submitted, I was reimbursed 100% within a few days!!


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