Does Capital One SavorOne offer rental car insurance?

Question

Capital One’s rental car insurance covers physical damage or theft of a rental vehicle. It also covers reasonable towing costs and any valid loss-of-use charges from the rental agency. Put simply, Capital One’s rental car insurance covers the same things as the insurance add-on from the rental agency.

To receive Capital One rental car insurance, all you have to do is use your Capital One credit card when you make the reservation and reject the insurance offered by the rental agency. Capital One’s rental car insurance is not valid for domestic rentals that exceed 15 days or international rentals exceeding 31 days. Not all vehicles are covered by Capital One’s rental car insurance, either. Expensive/exotic/antique automobiles are not covered. Neither are motorcycles, trucks, recreational vehicles or certain vans.... read full answer

If you need to file a claim with Capital One’s rental car insurance (also called the “auto rental damage collision waiver"), call the Benefits Administrator within 45 days of a covered incident. You’ll need to get a claim form from the Benefits Administrator. You’ll also need a copy of the repair estimate and an itemized bill from the auto shop. Plus, don’t forget to ask the rental agency for copies of the accident report as well as the initial and final rental agreements. If available, it’s best to have photographs of the damaged vehicle and a copy of the police report, too. Claims are usually finalized within 15 days of the Benefits Administrator receiving all of the required documents.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Answer 1 · 2021-11-27 00:51:21

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Chip Lupo, Credit Card Writer

@CLoop • 11/27/21 This answer was first published on 11/26/21 and it was last updated on 11/27/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Capital One SavorOne Cash Rewards Credit Card offers rental car insurance as a free benefit. Capital One SavorOne rental car insurance covers damage or theft of the vehicle, loss of use and towing charges (For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply). Cardholders are covered up to the actual repair amount, wholesale market value or the rental agency’s purchase invoice less salvage and depreciation. To get the coverage, a cardholder must decline the rental agency’s insurance and pay for the rental entirely with a Capital One SavorOne credit card or cash back rewards.

Key Things to Know About Capital One SavorOne Rental Car Insurance

Coverage Amount. Up to the actual repair amount, wholesale market value or the rental agency’s purchase invoice less salvage and depreciation.
File Claims for Domestic Rentals Through Primary Insurance First. The Capital One SavorOne card rental car insurance benefit provides secondary coverage for domestic rentals up to 31 days, so you will need to file a claim through your primary insurance carrier first, if you have one.
Coverage Is Primary When Abroad. If you’re renting a vehicle outside of your home country, coverage under the Capital One SavorOne card rental car insurance benefit is primary and lasts for up to 31 days.
Not All Vehicles Or Incidents Are Covered. The Capital One SavorOne rental car insurance benefit does not cover rentals made on a monthly basis, expensive or antique cars, vehicles not rented by the cardholder or an authorized user on the card. Coverage also does not apply to certain incidents such as any loss occurred as result of illegal activity or while in violation of the rental agreement, damage sustained off-road, theft or damage of unlocked and unsecured vehicles.

Capital One Rental Car Insurance Claims

To file a Capital One SavorOne rental car insurance claim, call the Benefit Administrator at the number in your benefits guide 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 receipt showing the vehicle rental charge, the rental agreement, or a police report – no later than 180 days after the incident.

Does Capital One SavorOne offer rental car insurance?

Chip Lupo, Credit Card Writer

Key Things to Know About Capital One SavorOne Rental Car Insurance

Capital One Rental Car Insurance Claims

Capital One SavorOne Cash Rewards Credit Card

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