Maria Adams, Credit Cards Moderator
@m_adams
Wells Fargo credit card rental car insurance covers you up to $50,000 when you pay for the entire rental with your Wells Fargo card and/or reward points. You must decline the rental agency’s insurance plan to be eligible for this benefit.
The Wells Fargo credit cards that offer this benefit include the Wells Fargo Active Cash and the Wells Fargo Business Platinum Credit Card, among others.
Here’s how the Wells Fargo rental car insurance works:
- How to get it: You can get this benefit on rentals of up to 15 consecutive days in the U.S. and up to 31 consecutive days abroad. You must pay for the entire rental with your Wells Fargo card and/or reward points to be eligible.
- Coverage value: Up to $50,000 or the actual cash value of the vehicle, whichever is less.
- Additional requirement: You must decline any insurance that the rental car company offers you.
- What is covered: You’re covered for damages resulting from collision or theft, along with loss of use and towing charges.
- What is not covered: There are a few vehicle exclusions, such as large vans, trucks, antique cars, and limos, among others. Non-covered situations include intoxication, driving off road, traveling to a warzone, and more.
Only the cardholder whose name is on the Wells Fargo card used to pay for the rental is eligible to file a claim. Coverage is secondary for all Wells Fargo credit cards that have this benefit. This means it will reimburse you for any collision or theft expenses not covered by any existing car insurance policy you have.
To file a claim, call the Benefit Administrator at (800) 316-8051 or the number mentioned on your guide to benefits within 60 days of the incident. The Benefit Administrator will answer any questions and will send you a claim form. For faster filing, submit your claim online.

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