How does the Citizens Bank Cash Back Plus card's rental car insurance work?

The Citizens Bank Cash Back Plus Card rental car insurance covers you up to the actual cash value of the vehicle in the event of collision or theft. To get the coverage, you must decline the rental agency’s insurance and pay for the rental entirely with your Citizens Bank Cash Back Plus™ World Mastercard®.

What to Know About the Citizens Bank Cash Back Plus Card Rental Car Insurance

Coverage Amount. Up to the cash value of the vehicle.

File Claims for Domestic Rentals Through Primary Insurance First. The Citizens Bank Cash Back Plus Card rental car insurance benefit provides secondary coverage for domestic rentals, 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 the United States, the card’s rental car insurance benefit is primary if you’re not covered by your insurance company.

Not All Vehicles Or Incidents Are Covered. The Citizens Bank Cash Back Plus Card rental car insurance benefit does not cover vans, campers, motorbikes, offroad vehicles and so on. Coverage also does not apply to certain incidents such as wear and tear, mechanical breakdowns and non-accidental damage.

To file a claim, call the Benefit Administrator at (800) 627-8372 or the number mentioned on your guide to benefits within 60 days of the incident.