Capital One Credit Card Auto Insurance: What You Need To Know

Capital One offers a range of credit cards with various benefits, including rental car insurance. This insurance covers collision damage and theft of the rental car, but it's important to note that there are certain exclusions and conditions. To be eligible for the insurance, cardholders must decline the rental company's collision damage waiver and pay for the entire rental with their Capital One card. The coverage period is limited to 15 consecutive days in the cardholder's country of residence and 31 consecutive days outside of it. Additionally, the insurance doesn't cover liability, theft of personal belongings, or intentional acts such as dangerous driving.

Capital One credit cards that include rental car insurance

Capital One offers a variety of credit cards for all types of consumers, including cash-back cards, cards targeted toward students, and travel rewards cards. While not all cards feature the same benefits, some provide extra protections, such as rental car insurance.

When renting a vehicle, you can enjoy added peace of mind when paying with select Capital One credit cards, thanks to the company's rental car insurance. This insurance is distinct from other types of car insurance, especially personal policies. To be eligible for this complimentary insurance, you must decline the collision damage waiver (CDW) insurance offered by the rental car company and pay for the entire rental with your Capital One card.

Capital One's rental car insurance typically covers:

• Physical damage to the rental car in case of a collision.
• Theft of a covered rental vehicle.
• Valid loss-of-use charges levied by the rental car agency.
• Reasonable towing charges.

It's important to note that Capital One's rental car insurance only covers your rental car and not other vehicles. Therefore, if you are found to be at fault in an accident, the insurance will not cover medical expenses or damage to other vehicles. Additionally, there may be limits on the types of cars covered, such as antique vehicles.

The following Capital One travel cards include rental car insurance:

• Capital One Venture X Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Capital One VentureOne Rewards Credit Card - Miles Boost (Visa Signature version only)

The type of coverage you receive depends on your Capital One credit card. For example, the Capital One Venture X Rewards Credit Card offers primary coverage, meaning it will pay out before other insurance policies you may have. On the other hand, the Capital One Venture Rewards Credit Card offers secondary coverage within your country of residence but acts as primary insurance when renting a car abroad.

When filing a Capital One rental car insurance claim, you can contact your benefits administrator by phone or navigate to the online claim website. Claims must be reported within 45 days of the incident, and specific documentation is required, including a copy of your billing receipt, a copy of the accident report form, and photographs of the damage, if possible.

How to make a claim

If you need to make a claim on your Capital One rental car insurance, there are two methods you can use:

• Contact your benefits administrator by phone. Check your individual guide to benefits for the appropriate phone number as they differ depending on the card that you hold.
• Navigate to the online claim website and file your claim from there.

Regardless of the method you choose, you should file your claim as quickly as possible. Reporting your incident more than 45 days after it occurred renders it invalid.

Next, you'll need to fill out and send in the auto rental CDW form. This must be postmarked no more than 90 days after the date of the accident.

Finally, you'll have up to 365 days to send in the remaining documentation that the claim will require. This includes:

• A copy of your billing receipt or credit card statement showing that you paid for the rental using your eligible card.
• A copy of the accident report form.
• A copy of the repair estimate and itemized bill.
• At least two photographs of the damage (if possible).
• A police report (if possible).
• A copy of the demand letter indicating any costs for which you are liable and any payments already made.

Note that the documentation requirements will differ based on which card you hold. Those with a secondary coverage card will need to provide information regarding their existing insurance policy or a notarized document stating that they have no personal insurance.

What Capital One rental car insurance covers

Capital One's rental car insurance offers primary or secondary coverage, depending on the type of card you have. The Capital One Venture X Rewards Credit Card, for example, offers primary coverage, meaning that it will pay out before other insurance policies. Meanwhile, the Capital One Venture Rewards Credit Card offers secondary coverage, which acts as primary insurance when you're renting a car abroad.

Capital One's rental car insurance covers physical damage to the car, theft of a covered rental vehicle, valid loss-of-use charges, and reasonable towing charges. It is important to note that this insurance only covers your rental car and not other vehicles. Therefore, if you are in an at-fault accident, you will not be covered for damage to other vehicles or medical payments for which you may be liable. Additionally, there are exclusions and limitations to the coverage. Capital One's insurance does not cover rental cars in the Irish Republic, Israel, Jamaica, and Northern Ireland. The rental period is limited to 15 consecutive days in your residence country and 31 consecutive days in other countries.

To be eligible for Capital One's rental car insurance, you must decline the collision damage waiver (CDW) offered by the rental car company and pay for the entire rental with your Capital One card.

What Capital One rental car insurance doesn't cover

Capital One's rental car insurance does not cover physical injury to you or others, damage to other vehicles, property damage to the belongings of others, luggage or other items stolen from the rental vehicle, or mechanical breakdown of the rental vehicle. It also does not cover costs incurred in the following countries: Irish Republic, Israel, Jamaica, and Northern Ireland.

In addition, there are some limitations on the duration of the rental period. Your rental cannot exceed 15 consecutive days in your residence country or 31 consecutive days in other countries.

How to get Capital One rental car insurance

Capital One offers rental car insurance on some of its credit cards. This insurance is distinct from other types of car insurance, especially personal policies. To be eligible for this complimentary insurance, you must decline the collision damage waiver (CDW) insurance offered by the rental car company and pay for the entire rental with your Capital One card.

The specific Capital One credit cards that provide rental car insurance include:

• Capital One Venture X Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Capital One VentureOne Rewards Credit Card - Miles Boost (Visa Signature version only)

The coverage you receive will depend on the type of Capital One credit card you hold. For example, the Capital One Venture X Rewards Credit Card offers primary coverage, meaning the insurance will pay out before other types of insurance policies you may have. On the other hand, the Capital One Venture Rewards Credit Card offers secondary coverage within your country of residence, but acts as primary insurance when you're renting a car abroad.

Capital One's rental car insurance covers:

• Physical damage to the car
• Theft of a covered rental vehicle
• Valid loss-of-use charges charged by the rental car agency
• Reasonable towing charges

It's important to note that Capital One's rental car insurance only covers your rental car, not other vehicles. Therefore, if you're in an at-fault accident, you won't have coverage for damage to other vehicles or medical payments for which you may be liable. Additionally, there are limitations on rental periods and certain types of vehicles that are not covered. Be sure to review the specific terms and conditions of your Capital One credit card to understand the rental car insurance coverage provided.

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