Understanding your rental car insurance benefits and how to access them can help you avoid unnecessary expenses. If you have questions, contact the benefit administrator listed in your Cardholder Benefits Guide, as terms and conditions apply. Not all cards are eligible for cardholder benefits.
Credit cards with rental car insurance
Rental car insurance is available to Capital One cardholders with the following cards if they’re branded as World Elite Mastercard, Visa Infinite, Visa Signature or Discover:
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Venture X
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Venture
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VentureOne
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Quicksilver
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QuicksilverOne
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Savor
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SavorOne
Keep in mind that retail and partner cards (e.g., Kohls, REI, etc.) have unique benefit suites and may not have rental car insurance.
Rental car insurance coverage
With rental car insurance through a Capital One card, you and authorized users of an eligible card also listed on the rental agreement could be covered for these events:
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Collisions: When an accident results in physical damage to your rental car
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Theft: If your rental vehicle is stolen
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Towing: To help with administrative fees and charges for towing your rental vehicle to a mechanic after an accident
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Loss-of-use charges: When the rental company seeks compensation for lost revenue if your vehicle is damaged and can’t be rented while being repaired
Some types of claims aren’t covered through rental car insurance. They include:
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Bodily injury to you or other people
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Mechanical breakdown of the rental vehicle
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Damage to other vehicles
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Property damage to other people’s belongings
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Luggage or other items stolen from the rental vehicle
If you’re a Capital One customer with a Mastercard, you can view your cardholder benefits using the Mastercard Benefits Portal. Otherwise, review your Cardholder Benefits Guide or call the benefit administrator to understand what’s covered through your cardholder benefits. In your Cardholder Benefits Guide, Visa and Discover’s rental car insurance is called Auto Rental Collision Damage Waiver. Mastercard’s rental car insurance is called MasterRental Coverage.
Primary vs. secondary coverage
Primary coverage for Venture X customers: When a claim is made on your rental car, rental car insurance is applied before your personal auto insurance.
Secondary coverage for eligible Venture, VentureOne, Quicksilver, QuicksilverOne, Savor and SavorOne cards: When a claim is made on your rental car, your personal auto insurance is applied before your rental car insurance. You are not required to file a claim under your personal auto policy, but you will need to provide the Declarations Page found in your insurance policy that lists names, coverage, limits, effective dates and deductibles.
Using your rental car insurance benefit
After you’ve verified that your card has the rental car insurance benefit, follow these steps to take advantage of the benefit.
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Decline the rental company’s collision damage waiver (CDW/LDW) option. This is an important step—accepting this option may prevent you from being able to use your benefit. In some cases, the rental agency may ask for a letter to prove that coverage exists after you decline the CDW. If this happens, contact the benefit administrator by phone or online to request a verification letter.
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Pay for the full rental cost with your Capital One credit card. This activates the coverage for your rental period.
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Contact the rental company and the benefit administrator to file a claim in case of an accident or theft.
Filing a claim
The process for starting a claim is essentially the same for each card network:
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Report a covered event to your card’s benefit administrator as soon as possible.
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For Mastercard: You can open a claim for Mastercard online or call 800-627-8372.
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For Visa: You can open a claim for Visa online or call 800-825-4062.
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For Discover: You can open a claim for Discover online or call 800-825-4062.
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Provide documentation including copies of your vehicle rental agreement, repair estimate and itemized repair bill.
The benefit administrator will be in touch about the next steps.
Many rental car insurance policies require you to provide a notice of loss within 30 days of an event, depending on your specific credit card. Review your Cardholder Benefits Guides to be sure.
Does my credit card cover rental car insurance?
Rental car insurance comes with the following Capital One cards if they’re branded as World Elite Mastercard, Visa Infinite, Visa Signature or Discover:
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Venture X
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Venture
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VentureOne
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Quicksilver
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QuicksilverOne
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Savor
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SavorOne
Check your credit card’s Cardholder Benefits Guide to see whether your card offers rental car insurance.
If you have questions, contact the benefit administrator listed in your Cardholder Benefits Guide, as some terms, conditions and exclusions apply.
Mastercard
- Website: priceless.com/capitalone
- Phone: 800-627-8372
Visa
- Website: www.eclaimsline.com
- Phone: 800-825-4062 (If you’re outside the United States, call collect at 804-965-8071)
Discover
- Website: www.eclaimsline.com
- Phone: 800-825-4062 (If you’re outside the United States, call collect at 804-965-8071)
Does rental car insurance through Capital One cards include international rentals?
Rental car insurance is available in the U.S. and many foreign countries. Review your Cardholder Benefits Guide for your specific credit card to see the list of excluded countries, if applicable.
If you have questions, contact the benefit administrator listed in your Cardholder Benefits Guide, as some terms, conditions and exclusions apply. Not all cards are eligible for cardholder benefits.
Tip: Before going on your trip, make sure you have the letter of eligibility for your rental car insurance.
Mastercard
- Website: priceless.com/capitalone
- Phone: 800-627-8372
Visa
- Website: www.eclaimsline.com
- Phone: 800-825-4062 (If you’re outside the United States, call collect at 804-965-8071)
Discover
- Website: www.eclaimsline.com
- Phone: 800-825-4062 (If you’re outside the United States, call collect at 804-965-8071)
Does rental car insurance through Capital One cards cover all drivers?
Rental car insurance covers Capital One cardholders using their eligible cards to pay for the full rental agreement.
Authorized users must be named in the rental agreement in order to be covered. Contact the benefit administrator listed in your Cardholder Benefits Guide, as some terms, conditions and exclusions apply. Not all cards are eligible for cardholder benefits.
Does travel insurance through Capital One cards include rental car insurance?
Many credit cards come with a travel insurance benefit.
If you pay for a rental car with your credit card, you might be able to skip the added cost of buying insurance through the rental company. Credit card rental car insurance through some Capital One cards could cover collisions and theft.
Review your Cardholder Benefits Guide to check your card’s eligibility.