United Mileageplus Explorer: Understanding Rental Insurance Benefits And Changes

The United MileagePlus Explorer Card offers a range of benefits to its cardholders, including travel insurance protections and auto rental collision damage waivers. The travel insurance benefits include trip cancellation and interruption insurance, baggage delay insurance, and lost luggage reimbursement. The auto rental collision damage waiver provides primary coverage for theft, damage, towing charges, and administrative fees outside the US, while it acts as secondary coverage for rentals within the US. This means that for domestic rentals, cardholders must first file a claim with their primary insurance provider. Notably, certain types of vehicles, such as antique and luxury cars, are excluded from the coverage. Additionally, the waiver is not applicable in countries like Ireland, Israel, and Jamaica, where consumers are required to purchase collision damage insurance from car rental companies. To take advantage of the waiver, cardholders must decline the rental company's insurance and pay for the rental entirely with their United Explorer Card.

The United Explorer Card rental car insurance covers damages caused by theft or collision

The United Explorer Card offers primary rental car insurance, covering theft and collision damage for most rental cars in the US and abroad. This means that you can decline the rental company's collision insurance and charge the entire rental cost to your United Explorer Card. The coverage is up to the actual cash value of the vehicle.

However, it's important to note that this insurance does not cover all vehicles or incidents. For example, it does not include trucks, motorcycles, RVs, personal injury, loss of personal belongings, driving while intoxicated, or driving off-road. Additionally, certain countries are excluded, such as Ireland, Israel, and Jamaica, due to laws requiring consumers to purchase collision damage insurance from car rental companies.

To qualify for the coverage, you must pay for the rental entirely with your United Explorer Card and decline any insurance offered by the rental company. The coverage is valid for up to 31 days for both domestic and international rentals.

To qualify for coverage, you must pay for the rental entirely with your United Explorer Card and decline the rental company's insurance

To qualify for coverage under the United Explorer Card's rental car insurance, you must meet certain requirements. Firstly, you need to pay for the rental car in full using your United Explorer Card. This means that the entire cost of the rental must be charged to the card, with no exceptions. Secondly, you must decline the rental company's insurance coverage. This is because the United Explorer Card's rental car insurance is intended to be used as a replacement for the rental company's insurance, not in addition to it.

By meeting these requirements, you can take advantage of the card's rental car insurance benefits. This coverage provides reimbursement for theft and collision damage for most rental cars in the United States and abroad. It is important to note that the coverage is primary, which means it serves as your main insurance in the event of an incident. This is particularly useful if you do not have your own primary auto insurance policy or if your policy does not cover rental cars.

However, it is worth mentioning that the coverage provided by the United Explorer Card has some limitations. For example, certain types of vehicles, such as antique cars, luxury cars, and specific models of high-end brands, may not be covered. Additionally, the coverage does not apply to incidents such as personal injury, loss of personal belongings, or driving under the influence. Furthermore, there are specific countries, such as Ireland, Israel, and Jamaica, where the card's rental car insurance benefits do not apply due to local laws and regulations.

In conclusion, by paying for the rental car entirely with your United Explorer Card and declining the rental company's insurance, you can take advantage of the card's rental car insurance coverage. This coverage can provide peace of mind and financial protection in the event of theft or collision damage to your rental vehicle, both in the United States and during international travel. However, it is important to familiarize yourself with the terms, conditions, and limitations of the coverage to ensure you understand what is and isn't covered.

Coverage is primary when abroad and secondary in the US

The United Explorer Card offers primary rental car insurance coverage when cardholders are abroad and secondary coverage in the US. This means that when renting a car outside of your home country, the United Explorer Card provides primary coverage for up to 31 days. This includes reimbursement for theft and collision damage for most rental cars, up to the actual cash value of the vehicle.

In the US, the United Explorer Card provides secondary coverage, meaning that you will need to file a claim through your primary insurance carrier first. The card will then cover any additional costs, such as deductibles. This secondary coverage in the US also lasts for up to 31 days.

To qualify for rental car insurance coverage with the United Explorer Card, you must pay for the rental in full with the card and decline any insurance offered by the rental company. It is important to note that certain types of vehicles, such as trucks, motorcycles, and RVs, are not covered by the United Explorer Card rental car insurance. Additionally, coverage is not provided in certain countries, including Ireland, Israel, and Jamaica, due to local laws requiring the purchase of collision damage insurance from rental companies.

There is no coverage in Ireland, Israel and Jamaica

The United MileagePlus Explorer Card offers primary rental car insurance for rentals in most countries, covering rentals of up to 31 consecutive days. However, there are a few important exceptions to this coverage. Notably, there is no coverage in Ireland, Israel, and Jamaica due to laws in these countries that require consumers to purchase collision damage insurance from car rental companies. As such, the card's benefits do not extend to rentals in these countries.

In addition to these country-specific exclusions, it is important to note that the United MileagePlus Explorer Card's rental car insurance does not cover all types of vehicles. Antique cars, luxury cars, trucks, motorcycles, RVs, and certain models of BMW, Mercedes Benz, Lincoln, and Cadillac are excluded from coverage. Furthermore, rentals through person-to-person car-sharing companies such as Turo are typically not covered.

It is always recommended to carefully review the terms and conditions of your credit card's rental car insurance policy to understand any exclusions or limitations that may apply.

The insurance covers the cardholder and any additional drivers listed on the rental agreement

The United Explorer Card offers primary rental car insurance, which means that you won't need to seek reimbursement from another insurance policy. The cardholder must be the primary driver on the contract, and all additional drivers listed on the rental agreement will be covered as well. This insurance benefit is provided by Visa, as the United Explorer Card is a Visa card.

To qualify for the coverage, you must pay for the rental entirely with your United Explorer Card and decline any insurance coverage offered by the rental company. The coverage includes physical damage and theft that is not covered by your primary auto insurance. It also covers valid loss-of-use charges that the auto rental company will most likely charge you. They will be required to provide a fleet utilization log. Coverage will also include reasonable towing charges.

The United Explorer Card rental car insurance covers damages caused by theft or collision for up to the actual cash value of most rented vehicles. There are some types of vehicles that are not covered, such as trucks, motorcycles, and RVs. Coverage also does not apply to certain incidents such as personal injury, loss of personal belongings, and driving while intoxicated or off-road.

It is important to note that there is no coverage in Ireland, Israel, and Jamaica due to laws in these countries that require consumers to purchase collision damage insurance from car rental companies.

Frequently asked questions