How does Capital One Venture rental car insurance work?

The Capital One Venture Rewards Credit Card offers rental car insurance as a complimentary benefit. Capital One Venture rental car insurance covers damage or theft of the vehicle, damage or theft of personal items, loss of use and towing charges. For Capital One products listed on this page, some of the benefits may be 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, the wholesale market value less salvage and depreciation, ot 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 Venture or miles.

Key Things to Know About Capital One Venture Rental Car Insurance

• Coverage Amount. Up to the actual repair amount, the wholesale market value less salvage and depreciation, ot the rental agency's purchase invoice less salvage and depreciation.
• File Claims for Domestic Rentals Through Primary Insurance First. The Capital One Venture 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 Venture rental car insurance benefit is primary and lasts for up to 31 days.
• Not All Vehicles Or Incidents Are Covered. The Capital One Venture rental car insurance benefit does not cover vans, trucks, cars older than 20 years, limousines, motorcycles, and off-road vehicles, among others. Coverage also does not apply to certain incidents such as any loss occurred under the influence of drugs or alcohol or while in violation of the rental agreement, theft or damage of unlocked and unsecured vehicles.

How to File a Capital One Rental Car Insurance Claim

To file a Capital One Venture 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.