Chase Sapphire Preferred rental car insurance is a free benefit that covers damage due to a collision or theft, up to the actual cash value of the rental car, if the rental is paid for entirely with a Chase Sapphire Preferred credit card. To get coverage, the cardholder must decline the rental agency’s insurance. The Chase Sapphire Preferred card rental car insurance benefit covers rentals for up to 31 consecutive days.
Domestically, Chase Sapphire Preferred rental car insurance will reimburse you for any costs not covered by your primary car insurance. For international rentals, Chase Sapphire Preferred rental car insurance is primary, so you don’t need to file a claim with anyone else before using this benefit.
Bear in mind that the Chase Sapphire Preferred rental car insurance benefit does not cover certain types of vehicles and incidents. For example, expensive, exotic, and antique automobiles are not covered. Coverage also does not apply to trucks, mopeds, or motorcycles.
How to File a Chase Sapphire Preferred Rental Car Insurance Claim
- Call the Benefit Administrator at 1-888-320-9961 or visit Eclaims within 60 days of the covered incident to report it and obtain a claim form.
- Submit the claim form within 100 days of the incident.
- Provide any supporting documents such as a police report no later than 365 days after the incident.
- Receive the insurance payment roughly 15 business days after providing all documents and having your claim validated.