Chase Freedom rental car insurance is very good. It protects you from having to pay for repairs if you get into an accident while driving a rental car or if someone steals the vehicle. Coverage includes tows to the nearest repair shop and goes all the way up to the vehicle’s cash value as well. It’s important to note that coverage is secondary, which means you’ll have to file a claim with your primary insurance company first. The card’s rental car insurance may cover any costs not covered by the primary insurer.
The best part is, Freedom card rental car insurance is free. As long as you have the card, you have the coverage. You just have to charge the full cost of the rental car to your Freedom Card and decline the rental agency’s insurance for Chase Freedom rental car insurance to cover you.
But Chase Freedom rental car insurance is not perfect. As with any credit card’s coverage, there are some exceptions you should be aware of.
What’s NOT covered by Chase Freedom rental car insurance:
Certain types of vehicles. Expensive, exotic and antique cars are not covered. Neither are trucks, motorcycles, limousines, recreational vehicles or some vans.
Illegal activities. Coverage will not apply in cases of driving drunk, selling drugs, or if the police confiscate the car.
Other non-accidental damage. The car is not covered if it’s damaged from off-roading or you don’t reasonably take care of the car.
Injuries. Whether it’s to yourself or injuries to others, there’s no coverage.
Personal items. Coverage does not extend to loss or theft of personal items.
Long rentals. Coverage stops after 31 consecutive days for domestic and international rentals.
For the full list of exceptions, check out the Chase Freedom benefits guide. But even with the restrictions, Chase Freedom rental car insurance is some of the best rental car insurance on the market. As long as you rent a covered vehicle and handle it responsibly, you should have nothing to worry about.
On that note, knowing how to actually use Chase Freedom car rental insurance is just as important as knowing what’s covered and what’s not. So let’s take a quick look at how to file a claim.
How to make a Chase Freedom rental car insurance claim:
1. Contact Chase within 60 days of the incident. Call 1 (888) 320-9656 to report the incident to the Benefits Administrator.
2. Complete and return Chase’s claim form within 100 days of the incident. Include copies of the accident report, rental agreement, repair estimate and your Chase Freedom billing statement with the rental charge.
3. Wait 15 days for your claim to be processed. If it’s approved, you’ll receive payment soon thereafter.
All in all, Chase Freedom’s rental car insurance is very solid. The payout is high, the restrictions are reasonable, and the claims process is straightforward.