Chase Sapphire rental car insurance is very good. When you pay for a rental car with your Chase Sapphire, Sapphire Preferred or Sapphire Reserve card, you are covered against collision damage and theft. Chase’s coverage will pay out as much as the cash value of the car you rent, depending on the situation, and coverage is completely free. You don’t even need to sign up. Just use your Sapphire card to pay for your rental and decline the rental agency’s supplemental insurance.
There are a few exceptions to coverage. The biggest have to do with the type of car you rent and where you drive it.
Chase Sapphire rental car insurance does not cover expensive or exotic cars, antique vehicles, large vans, trucks, vehicles with open beds, motorcycles/motorbikes/mopeds, limousines, or recreational vehicles (RVs). But the vast majority of cars are eligible. If it’s not on the exceptions list, you should be good, assuming you handle your rental responsibly.
Most of the situations that are excluded from coverage relate to things you shouldn’t be doing. Chase Sapphire rental car insurance will not cover damage resulting from intoxicated driving, driving off road or seizure by police. Personal belongings left in the car and breakdowns due to regular wear and tear aren’t covered either. There are other exceptions covered in your Sapphire card’s benefits guide.
It’s easy to file a Chase Sapphire rental car insurance claim. First, call the Chase Benefits Administrator within 60 days of the incident. The number is 1-888-320-9961. They’ll ask you to describe the basics of the incident so they can send you the appropriate paperwork. Complete the claim form within 100 days of the incident. You’ll also have to provide any other materials Chase requests, like the rental agreement, police reports, and photographs of the damage. Lastly, wait for Chase’s decision. If they agree your claim is valid, they should pay the claim within 15 days of receiving and approving it.