Chip Lupo, Credit Card Writer
@CLoop
Barclays only offers rental car insurance as a free benefit on some of its credit cards. Barclays rental car insurance covers physical damage and theft of the vehicle, valid loss-of-use charges imposed by the auto rental company, and reasonable towing charges to the nearest qualified repair facility. Cardholders are covered up to the actual cash value of most rental vehicles. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with a Barclays credit card or earned rewards.
The only Barclays credit card that has rental car insurance is the American Airlines AAdvantage Aviator Red Credit Card.
Key Things To Know About Barclays Rental Car Insurance
Coverage Amount. Up to the actual cash value of most rental vehicles.
File Claims For Domestic Rentals Through Primary Insurance First. The Barclays rental car insurance benefit provides secondary coverage for domestic rentals up to 15 days, so you will need to file a claim through your primary insurance carrier first if you have one.
Coverage Is Primary When Renting Vehicles Abroad. If you're renting a vehicle outside of your home country, coverage under the Barclays rental car insurance benefit is primary and lasts for up to 31 days.
Not All Vehicles Or Incidents Are Covered. Barclays rental car insurance does not cover expensive, exotic, and antique automobiles, certain vans, vehicles with an open cargo bed, trucks, motorcycles, and others. Coverage also does not apply to certain incidents such as injury of anyone inside the rental vehicle, loss or theft of personal belongings, theft or damage due to intentional acts or due to the driver being under the influence of intoxicants, and more.
Barclays Rental Car Insurance Claims
To file a Barclays rental car insurance claim, call the Benefit Administrator at 1 (800) 348-8472 or visit the card's benefits website to obtain a claim form. You will need to submit the claim form, along with any requested supporting documents such as a copy of the Accident Report Form, a copy of the entire auto rental agreement, or a copy of the repair estimate or itemized repair bill, among others - no later than 90 days after the incident. You should receive payment from the Benefits Administrator within 15 days after receipt of all documents and the validation of your claim.
Popular Credit Cards in December 2025 from Our Partners
-
Travel
-
Everyday Cash Back
-
Building Credit
-
0% Intro APR
People also ask
Do you need insurance to rent a car?
No, you don’t need insurance to rent a car. Rental companies must insure rental cars because they own and register the vehicles, but they usually carry only minimum liability coverage. If you don’t have personal insurance or credit card rental car insurance, you’ll probably want some of the extra coverage rental companies offer at the time of sale.
Before you buy the rental company’s insurance, you should consider what coverage you may already have through your personal car...
read full answer by Anamarie Waite, Car Insurance WriterHow does rental car liability insurance work?
Rental car liability insurance works by paying for injuries or property damage that you cause in an accident while driving a rental car. In every state except California, the minimum amount of liability coverage required by the state is automatically included in rental car contracts. Rental car liability insurance does not protect you or your rental car from collision damage, car theft, loss of personal effects, or injuries.
Should You Get Rental Car Liability...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.