What is the Capital One Quicksilver concierge benefit?

The Capital One Quicksilver rental car insurance is a free benefit that protects cardholders when they pay for a rental vehicle with the Capital One Quicksilver card. To get coverage, you’ll need to decline any insurance offered by the rental agency. It covers damage to the car, theft, loss of use charges, and it pays out up to the cash value of the rented vehicle.… read full answer

Here is how the Capital One Quicksilver rental car insurance works:

• Overview: Covers Capital One Quicksilver cardholders and eligible authorized drivers against physical damage, theft, towing and loss of use charges. Rental cost must be charged to the Capital One Quicksilver and the rental period must not exceed 31 consecutive days. The benefit is secondary to any other existing rental car insurance policies and applies worldwide, with the exception of countries where the evidence of coverage is prohibited or in conflict with local laws.
• What is covered: Physical damage and theft of eligible vehicles; reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service (these charges must be substantiated by a location and class-specific fleet-utilization logs); towing charges to the nearest collision repair facility.
• What is not covered: Trucks; pickups; full-sized vans; off-road vehicles and other RVs; trailers; motorcycles (any vehicle having less than four wheels) and antique vehicles are among the excluded categories.
• How much is covered: Coverage is for the lesser of the actual repair amount, wholesale market value, or the rental agency’s purchase invoice, less salvage and depreciation, up to any preset amount specified in your guide to benefits.
• How to claim: Visit mycardbenefits.com or call (888) 531-4227 to open a claim. You must report the claim within 60 days of the loss and submit the requested documentation within 180 days of the incident.

Please note that the above information is for Capital One Quicksilver cards that are issued as World Mastercard and World Elite Mastercard. While Capital One Quicksilver is issued on the Mastercard network, keep in mind that networks are subject to change. If you’d like to know more about your benefits, simply match your Capital One Quicksilver network with the corresponding benefit guide on Capital One’s dedicated web page. Or log in to your online account, select the “I Want To” menu and click “Read about Card Benefits.”

Capital One Quicksilver travel insurance works on several levels by providing worldwide travel accident insurance, trip cancellation/interruption and lost/damaged luggage reimbursements.

Here are the Capital One Quicksilver travel insurance benefits:

• Travel Accident Insurance. Covers cardholders along with their spouse and any unmarried children up to a certain amount in the event of death and several qualifying permanent injuries. Travel fare(s) must be booked with an eligible Capital One Quicksilver card.… read full answer
• Trip Cancellation and Interruption Insurance. Trips cancelled or interrupted for qualifying reasons (such as death, accidental injuries, non-pre-existing illnesses and more) are covered up to a certain amount. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
• Lost, Stolen or Damaged Luggage Reimbursement. You get reimbursements for your lost, stolen or damaged luggage and its qualifying contents, up to a specified amount. You must charge the cost of your trip to your eligible Capital One Quicksilver to be covered by this benefit. Coverage is secondary to any other existing insurance.
• Baggage Delay Reimbursement. You get reimbursed up to $100 per day, for three days, when your bags are delayed for more than four hours at a destination other than your primary residence. Coverage includes the purchase eligible essential items such as tickets, documents, contact lenses, eyeglasses, prosthetics, and more. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
• Auto Rental Insurance. You get coverage up to the market value of the eligible renal vehicle for damages incurred through collision or theft. Just make sure you charge all rental costs to your Capital One Quicksilver and decline the car rental agency’s insurance coverage. The coverage is secondary to your own insurance policy.

Filing most Capital One Quicksilver travel insurance claims requires notifying the Benefit Administrator within 20 days of the loss in order to get a claim form. You’ll have 60 to 90 days from the date of the incident to return the form and supplemental documents. The number to call and timeline depend on the benefit and the type of card you have. For specific information on your Capital One Quicksilver travel insurance, just log in to your online account, select your card and click "Read about Card benefits" under the "I Want To" menu. Then match the card type to the one listed on your statement. Capital One travel insurance is provided through the card network, so depending on your type of card, you can call Visa at (800) 847-2911 or Mastercard at (800) 826-2181 for more information.

Yes, you can use the Capital One Quicksilver card anywhere Mastercard is accepted. That is pretty much anywhere credit cards are accepted, as Mastercard benefits from extensive worldwide acceptance. Capital One Quicksilver features a $0 foreign transaction fee, which makes it a great travel companion and a good choice for shopping online, through international merchants. And you won’t have to notify Capital One about your travel plans, thanks to the added security of the Capital One Quicksilver chip.… read full answer

Capital One Quicksilver is issued as a Mastercard, but networks are subject to change and there are both VISA and Mastercard versions of the card. Online applicants can see the network logo at the top of the application form. Regardless of whether your Capital One Quicksilver is a VISA or a Mastercard, you’ll be able to use it globally as these two networks are the most widely accepted, both in the U.S. and abroad.