Do You Still Get Primary Rental Car Insurance When You Use Chase Ultimate Rewards Points to Pay for Your Rental?

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Do You Still Get Primary Rental Car Insurance When You Use Chase Ultimate Rewards Points to Pay for Your Rental?

Million Mile SecretsDo You Still Get Primary Rental Car Insurance When You Use Chase Ultimate Rewards Points to Pay for Your Rental?Million Mile Secrets Team

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I wrote about the terrific primary car rental insurance coverage you (and authorized users) get when you rent a car using the Chase Sapphire Preferred card.

Million Mile Secrets reader Tommy commented:

If you use your Chase Ultimate Rewards points to pay for a rental car, is the insurance still covered?  Or what would your best advice be there?

Excellent question, Tommy!  Using Chase Ultimate Rewards points for paid car rentals through the Chase Ultimate Rewards Travel Portal can often be an excellent deal.

The good news is, you’re still covered by your Chase Sapphire Preferred card as long as you meet certain conditions!

Do You Still Get Primary Rental Car Insurance When You Use Chase Ultimate Rewards Points To Pay For Your Rental
Yes, You Can Still Be Covered by the Chase Sapphire Preferred’s Primary Rental Insurance If You Use Points to Pay for Your Car!

I’ll explain how it works!

Get Primary Rental Car Insurance, Even If You Pay With Points

Link:   Chase Sapphire Preferred

Link:   Chase Sapphire Preferred Benefits Guide

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

Link:   Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance?

Using your Chase Sapphire Preferred card to pay for rental cars can save you money!  When you decline the rental company’s collision damage waiver (often referred to as CDW or LDW), you get primary rental car insurance when you pay with your card.

This coverage also applies if you use Chase Ultimate Rewards points through the Chase Ultimate Rewards Travel Portal to pay for your rental.

Remember, Chase Ultimate Rewards points earned from the Chase Sapphire Preferred card are worth 1.25 cents each toward paid travel, including car rentals.

Do You Still Get Primary Rental Car Insurance When You Use Chase Ultimate Rewards Points To Pay For Your Rental
Using Chase Ultimate Rewards Points From the Chase Sapphire Preferred Can Save You a Ton on Rental Cars

But here’s the catch!  You must pay with points from your Chase Sapphire Preferred account.  And NOT other Chase Ultimate Rewards points-earning accounts like the Chase Ink Plus, Chase Ink Bold, or Chase Freedom.

For example, if you have Chase Ultimate Rewards points in your Chase Ink Plus or Chase Ink Bold account, transfer them to your Chase Sapphire Preferred account FIRST.  Then purchase your rental with points from the Sapphire Preferred account.

What About Points + Cash?

Chase Ultimate Rewards is my favorite rewards program because it’s so flexible.  If you don’t have enough points to cover the full cost of your rental (or prefer not to), you can pay with a combination of points and cash.

If you’re in this situation, you’ll be covered by the Chase Sapphire Preferred primary rental insurance if:

  • The points are from your Chase Sapphire Preferred account (as mentioned above), and
  • You pay the balance with your Chase Sapphire Preferred card
Do You Still Get Primary Rental Car Insurance When You Use Chase Ultimate Rewards Points To Pay For Your Rental
Only Using Points for Part of the Rental? Be Sure to Use Your Chase Sapphire Preferred to Pay for the Balance If You Want Coverage!

So if you paid partly with Chase Ultimate Rewards points from your Chase Sapphire Preferred card, and the balance with a different card, you would NOT be covered.

Basically, the entire rental cost must be paid for

  • With the Chase Sapphire Preferred card,
  • Chase Ultimate Rewards points from your Chase Sapphire Preferred account,
  • or a combination of the two

for the primary rental coverage to be in effect.

Remember, you must decline the auto rental company’s collision damage waiver to be eligible for coverage through the Chase Sapphire Preferred!

Note:   The primary rental insurance from the Chase Sapphire Preferred only covers damage to your rental car in case of an accident of theft (other vehicles and injuries are NOT covered).

And if you don’t have a Chase Sapphire Preferred card, here are other cards that offer primary car rental insurance coverage.

This Card Has You Covered in Other Areas, Too!

The Chase Sapphire Preferred comes with lots of other benefits that can save you money, including:

  • Trip Cancellation –  You could be covered for up to $10,000 ($20,000 if you’re traveling with immediate family) if your trip is cancelled for an eligible reason
  • Trip Interruption – If you have to end your trip early you could be reimbursed for any prepaid transportation (not including miles & points) up to $10,000
  • Trip Delays – Get up to $500 per ticket when your trip is delayed for more than 12 hours (even authorized users are eligible)
  • Lost Luggage – Luggage or items inside are lost or damaged for up to $3,000 with a limit of $500 for certain items like cameras, jewelry, and electronics
  • Delayed Luggage – After 6 hours, up to $100 a day for up to 5 days

That’s part of the reason why many folks, including me and Emily, keep this card in their wallet year after year!

Bottom Line

The Chase Sapphire Preferred includes primary rental car insurance when you use the card to pay for your rental.

But you’re also covered if you use Chase Ultimate Rewards points from your Chase Sapphire Preferred account to pay for your rental through the Chase Ultimate Rewards Travel Portal!

And if you use points to partially pay for your rental, you’ll still be covered!  As long as the points come from your Chase Sapphire Preferred account and you pay the balance with your Chase Sapphire Preferred card.

Thanks for the question, Tommy!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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Good Read. I am assuming this post would be true in its entirety for Chase Sapphire Reserve as well. Can somebody please confirm?

So, there is still no official answer to this question in writing?

I have been holding on the phone for the Benefit Administrator (Eclaimsline.com) for a total of 3 hours. Chase will not help answer this question.

Would love to see if we can get confirmation on this. I have an 8 day rental coming up in OGG that I plan to book with Chase UR points. Any luck @MMS?

I also have a Hawaii trip coming up with rental cards booked using Chase Ultimate Rewards Points (earned using Chase Sapphire Reserve). The Chase rep told me clearly today that the car insurance benefit is not included and that I would need to provide my own. Insurance is only provided when you use the card itself to pay for the rental.

Latest update. Chase confirmed today via secure message that I will have the auto

rental collision damage waiver benefit if I use points to book a car rental.

Given the varying answers on this topic, it may be best to get it in writing for yourself like I did below.

Date: 05-27-2017 11:55:47

From: Chase Card Services

Subject: Re: Rewards Inquiry

Message:

 

Thank you for contacting Chase regarding the benefits on

your Sapphire Reserve account. We apologize for our

delayed response, but we were experiencing high e-mail

volume at the time. We hope this did not inconvenience

you.

I apologize that your question was not answered in the

last e-mail. I have confirmed that you will have the auto

rental collision damage waiver benefit if you use points

to book a car rental. I apologize for the miscommunication

regarding this issue.

If you need any other assistance, you can send us a secure

message. We appreciate your business and thank you for

choosing Chase.

What is the final verdict on this ? From the post above, it appears that there is no cdw coverage when paying with points.

Author
Million Mile Secrets

If you pay the ENTIRE cost with Chase UR points, you will be covered. Or if you pay with a mixture of UR points and a UR card.

I called the benefits department and they told me that yes it will be covered even when booked with UR points. I then asked them to send/confirm this over via an email.

The rep just emailed the standard letter that stated – CDW is in effect when the rental is secured and paid by the card.

I replied back and asked them to confirm the coverage when booked with UR points.

No reply so far and it has been over 48 hours.

Given the claim denial above, I seriously believe that the reps are mis-stating the coverage over the phone. From what I have read, the coverage is by Visa so, booking with points may in fact jeopardize the coverage.

I’ve used my CSP ultimate rewards points to rent a car last month through the Chase Ultimate Rewards Travel Portal.

I got hit probably at the parking lot where I was not on the scene. This gives me scratch on the car door. I claimed to card benefit services about the damage coverage but got rejected.

It should be covered based on what this post says. I don’t know why this is happening, could you please clarify how should I resolve this?

Hi Ming,

I have the same issue. I paid the car with UR point. Did they paid you at the end? What documents did you provided? Thanks you!

Author
Million Mile Secrets

It should be covered if you declined the CDW insurance. I would make the claim again.

I’ve used the Chase Ultimate Rewards points for car rental last month, and got hit probably in the parking lot where I was not on the scene.

I submitted the benefit claim, but got the response back saying the entire car rental period was not charged to the covered card. I believe I got the car rental through the Chase Ultimate Rewards Travel Portal.

I don’t understand why this is happening. Could you please clarify what I should do?

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