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Rental Car Insurance and Your Travel Credit Card

One of the major assets that a good travel credit card offers is rental car insurance. As a general rule we do not buy rental car insurance from the rental car company. First, it is way too expensive and second, there is a very high chance that the combination of my regular car insurance policy and my credit card’s insurance policy benefit will cover everything the rental car companies insurance covers.

While doing our daily review of the major travel blog sites we found this blog by which does an excellent job of discussing the different credit cards and their rental car policies. Reading the blog on we learned that the rental car policies on our different credit cards were not created equal. This is important information for any Geezer traveler because the card you use to pay for your rental car is the policy that will cover you for that rental period. The survey showed that Citi cards have the best rental car insurance policy.

Main factors in establishing the best rental car insurance were: length of time the rental will be covered; types of cars that are covered; countries where the user will have coverage and finally the type of road where the car can be traveling. Citi bank offers covers a 31 day rental compared to other cards whose coverage was as little as 5 days. Citi bank covered all cars where many cards had exclusions like SUV’s; Citi covers rentals in all countries where most of the cards had certain countries that were excluded; finally, Citi does not exclude damage done on dirt roads and many of the other cards did have this exclusion. For a full list of different exclusions and the coverage offered by different cards you should take the five minutes it will take to read the article.

The article also gives 8 good tips on how to save money on car rentals. The tip I thought made great common sense was if you are renting a car and relying in part on your personal car insurance to help insure the rental, rent a car with basically the same value as your personal car. Who would have thought!

Another great asset this article offers is a chart showing who you call with each credit card if you get in an accident and what documents you will need to provide to your credit card insurance to during the claim process. The main document you will need and should have on hand are: a copy of the accident, a signed claim form, a rental agreement, an itemized bill for your rental, an itemized bill for your claim and a receipt or statement showing to which card the rental was charged to.

The article was written in June of 2016 and if I see an update I will be sure to mention it in a future blog.

If you have the time is a great resource and offers articles on other credit card benefits like extended warranty coverage and travel insurance coverage. The Internet is rich with gems like the articles and as we stumble forward we will try to mine out the best gems and share them. If this article and is helpful please join us below and we will email you our blogs as they are written.

Disclosure: The opinions expressed in this article are shared our readers with the belief of the author that they are accurate but the author is unable to guarantee the offers expressed herein. supports the businesses mentioned above because they are businesses the author has found to be helpful in saving money while traveling. may get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. Opinions expressed here are the author’s alone, and have not been reviewed, approved or endorsed by our partners

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