What’s Covered Under My Chase Sapphire Preferred Auto Coverage?

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Million Mile Secrets reader, George, commented:

I am in France for a 3 month stay.  I’m going to rent a car with the Chase Sapphire Preferred.

I understand that primary coverage comes with the Chase Sapphire Preferred.  Does that mean headlights, windows, and tires are covered, as well?  Europcar tries to sell me insurance for that, along with any other damage to the car.

The Chase Sapphire Preferred does NOT cover Personal Liability Car insurance for other property, cars, and injuries.  So will I be able to buy that separately from the car rental agency?

Thanks for the question, George!

Booking with the Chase Sapphire Preferred will guarantee your vehicle is covered for all physical damage, including headlights, tires, and windshields.

However, for personal liability coverage, you will need to read the fine print of your rental agreement.  And you may be covered by your personal health insurance, so make sure to check!

But the Chase benefits guide states that you won’t be covered for rentals that EXCEED 31 consecutive days!  So you’ll have to split up your rentals during your 3 month trip.

Chase Sapphire Preferred Auto Coverage

The Chase Sapphire Preferred Is My Top Pick for Rental Car Insurance

I’ll show you how to make sure you’re covered by the car insurance offered with the Chase Sapphire Preferred.

Reduce Expenses (and Headaches!) With Chase Sapphire Preferred Auto Coverage

Link:   Chase Sapphire Preferred

Link:   Chase Sapphire Preferred Benefits Guide

Link:   My Review of the Primary Rental Coverage With the Chase Sapphire Preferred

Sapphire Preferred

I highly recommend the Chase Sapphire Preferred, especially if you’re new to miles and points.  It earns Chase Ultimate Rewards points, which are my favorite kind of points!

One great benefit is that the card offers primary Auto Rental Collision Damage Waiver coverage when you decline the rental company’s collision damage waiver and pay with your Chase Sapphire Preferred.

Chase Sapphire Preferred Auto Coverage

The Chase Sapphire Preferred Can Save You Money In the Air AND On the Ground

This means you will be off the hook paying for damages to the car.  And your insurance provider doesn’t even have to know!

It’s not comprehensive coverage, but it’s still a terrific benefit, and even saved Million Mile Secrets team member Joseph ~$2,300 during a recent trip to Ireland.

What’s Covered With Chase Sapphire Preferred?

George is right, personal liability insurance is NOT covered by the Chase Sapphire Preferred.  Primary rental car coverage with a credit card only pays for damages to your rental car, not medical care, damaged personal items, or expenses resulting from a death.

Chase Sapphire Preferred Auto Coverage

Chase Will Ease the Burden of Your Car Accident, but Won’t Cover Your Hospital Bill

But folks may find that they are either already covered by their health insurance, or the car rental agency is already providing a form of personal liability coverage by law.  I advise reading the fine print of your agreement, and checking with your own health insurance provider, too!

I contacted Europcar, and they confirmed that 3rd-party liability insurance is always included in every car rental.

The auto coverage of the Chase Sapphire Preferred WILL cover:

  • Physical damage and / or theft of the covered rental vehicle
  • Valid loss-of-use charges assessed by the rental company while the damaged vehicle is being repaired and is not available for use, as substantiated in the company’s fleet utilization log
  • Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility

This benefit will pay up to the cash value of the car.

And as confirmed by several Chase associates, you WILL be covered for all damages to the car, NOT just collision with another vehicle.  This includes tire damage, cracked windshield, broken headlight, etc.

How Can I Qualify?

To qualify for primary auto coverage, you must pay for the entire reservation with your Chase Sapphire Preferred, and NO other card.

You will also be covered when you use Chase Ultimate Rewards points for paid car rentals through Chase’s travel portal, including points & cash!

In short, every penny must be paid for with:

There are certain exceptions to Chase’s coverage, so make sure to read the benefits guide!

For example, certain exotic and antique cars are NOT covered, as well as everyday wear and tear.  And Chase will not cover you if your damage was a result of irresponsibility (intoxication, off-roading, etc.)

Chase Sapphire Preferred Auto Coverage

Better Check With Chase Before Renting Any Extra Fancy (or Antique!) Cars

And your rental must NOT last longer than 31 consecutive days.

Remember, primary rental car coverage with a credit card only pays for damages to your rental car, NOT damage to another car, property, or injuries.  And liability for personal injuries could cost millions of dollars.

Bottom Line on Chase Sapphire Preferred Auto Coverage

Booking a rental car with the Chase Sapphire Preferred ensures your vehicle will be covered for all physical damage, including tires and windshields.

It does NOT include personal liability, which covers hospital bills, personal items, or death.  But you may be covered in some form by your personal healthcare or the rental agency anyway.

There are some exceptions to what Chase will cover, so be sure to review the benefits guide!

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10 responses to “What’s Covered Under My Chase Sapphire Preferred Auto Coverage?

  1. What about a “hold” charge on the rental? In Cozumel, because I waived the insurance from Dollar, they wanted to put a hold on the CC for $2500. I agreed, but (according to them) it kept declining the transaction. There was plenty of available credit on my CSP and I did not get a notice from Chase regarding fraud. So I used a debit card for the “hold”
    When I returned the vehicle, I was able to pay the full charges on any card I wanted, so I used my CSP. If I would have had need for insurance, would Chase have covered it?

  2. So apparently the primary coverage is only if your car insurance doesn’t cover rental cars in the first place. We just had a fender bender with a rented car in Seattle, WA. Called Chase and they said they will provide secondary coverage since my Allstate insurance policy already have terms covering rental cars. Secondary coverage means just up to the deductible I have with Allstate. Not as comprehensive as this article leads you to believe.

  3. I recently used the our Sapphire Preferred card for about $16,000 in hail storm damage. Everything was cover we thought. About eight weeks after the damage we got a call from a collection agency saying we owed $3,500 for car depreciation, but they would settle for $1,000. I immediately called Sapphire Preferred and asked them if this was correct. They reluctantly said that is was. I called the collection agency again and they settled for $500. Bottom line I thought that I was “paid in full” (about $14,000) and I was not.

  4. It is also possible that your regular auto insurance policy will cover some costs if you use a rental vehicle. Check your policy before you make the decision to waive certain rental coverage.

  5. @Krysanthus – It depends on the credit card you used. If you used the Chase Sapphire Preferred, they will take care of the claim even though you have personal rental car insurance. That’s what primary coverage means. I’d call them gain!

  6. Anybody know of credit card coverage for vehicles identified as commercial, like passenger and/or cargo vans?

  7. What about rentals in Italy? My understanding is that CDW insurance is mandatory on rentals in Italy and I thought that the CSP only covers you if you decline this? So confusing. Can you shed any light here because I will be renting a car in Sicily next April.

  8. My question is if I used my wife’s Chase Sapphire Preferred/Reserve to rent a car – would I be covered or does she have to be the driver or with me? Unfortunately I am affected by the 5/24 but she has both the Preferred and Reserve.

  9. George would probably be better off leasing a car; the cost is usually smaller and the lease includes insurance, since most credit cards don’t cover more than 30 days (nor does car insurance in the U.S.) Most of the time you can still pay for the lease with a credit card, and get the points. For a number of years, I regularly leased a car in France for 6 weeks to 2 or 3 months, and always used AutoEurope (based out of Portland, Maine) to make the arrangement. Usually in France, I ended up getting the car from EuropCar or Peugeot Open Leasing, both of whom whose own rates, had I not used AutoEurope as a middleman, would have been considerably higher.

    Cheryl (The Travel Cutie)

  10. Hi. What if I have a 3 day rental and I used 2 of my accrued free days from National towards that rental and so I’m only paying the base rate of 1 day and the taxes/fees for all 3 days. Chase Sapphire Preferred told me over the phone that this is not covered since not all of the days are paid by me (2 loyalty free days used)? I’m not sure if I believe the agent I spoke too, because it makes the credit card useless for me in this case. Any thoughts?