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What to know about Chase Freedom car rental insurance

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    Quick insights

    • Chase Freedom Flex® and Chase Freedom® Unlimited offer rental car insurance to protect cardmembers against collision and theft.
    • To be eligible, use your Chase Freedom credit card and decline the rental company’s waiver.
    • To file a claim, call your Benefits Administrator or file a claim online at

    Whether you’re preparing for an adventure-filled vacation or relaxing road trip, it’s important to have the appropriate coverage for your rental car. Chase Freedom car rental coverage provides reimbursement for damage due to collision or theft for most rental vehicles traveling within the U.S. and abroad. This is one benefit of having a credit card that offers auto rental insurance.

    Does my Chase Freedom card provide auto rental coverage?

    Yes, Chase Freedom cards provide auto rental coverage. All Chase Freedom credit cards provide car rental coverage and are listed below.

    Chase Freedom cardmembers can feel at ease knowing that they have auto insurance to help protect them in case there’s an incident.

    How does rental car insurance work with my Chase credit card?

    Chase Freedom credit cards offer collision damage waiver to cardmembers. Collison damage waiver is secondary insurance meaning it only activates after your primary form of insurance pays up to the limits of its coverage. The most common primary form of insurance is your personal car insurance.

    Primary insurance pays for physical damage, towing charges, loss-of-use fees and other related expenses. Once the primary insurer pays up to the coverage limit, the secondary insurance kicks in to cover the remaining costs eligible for coverage.

    If you do not have personal automobile insurance or any other insurance, or you are renting outside of your country of residence, this benefit may reimburse you for covered theft, damage or administrative and loss-of-use charges imposed by the rental company. Additionally, this benefit may reimburse you for reasonable towing charges that occur while you are responsible for the vehicle.

    Rental car insurance eligibility

    To be eligible for Chase Freedom car rental coverage, you need to do the following before driving off the lot with your new rental:

    • Use your Chase Freedom credit card for the entire car rental transaction. Your name must be printed on the credit card.
    • Decline the car rental company’s collision damage waiver or loss damage waiver.

    Coverage value

    The maximum coverage allowed is up to the actual cash value of the rental car. Chase Freedom rental car insurance covers damage, theft, valid loss-of-use charges incurred by the rental agency, administrative fees and reasonable towing costs.

    What is not covered by Chase Freedom car rental insurance?

    Chase Freedom car rental coverage only covers a rental period of 31 consecutive days or less. Below is a partial list of what’s not covered under the policy:

    • Any individual’s injuries (including yours)
    • Damage due to off-road driving
    • Theft or damage due to driving under the influence of alcohol or drugs

    Antique cars, high-value vehicles, exotic car brands and vans designed to carry more than nine passengers are not covered. This is not an exhaustive list by any means. You can find the full list of what’s not covered on the Chase Auto rental protection website.

    How do I file a claim for my car rental insurance benefits?

    To file a claim, call the Benefit Administrator at (888) 320-9656 (U.S.). You can also file online at It is recommend to make your claim as soon as possible but no later than 60 days from the date when theft or damage occurred. Cardmembers should retain a copy of the rental car agreement, accident report, repair estimates, photographs and police report (if applicable).

    In summary

    While on the road, it is essential to have adequate auto rental coverage. If you’re looking for an additional layer of protection and peace of mind, consider using a credit card that offers car rental coverage.

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