Everything You Need To Know About Chase Freedom Rental Car Insurance

If you rented a car using your Chase Freedom credit card, you’ll be reimbursed for damage to your rental caused by collision or theft.
Written by Sarah Gray
Reviewed by Amy Bobinger
All Chase Freedom credit cards include a rental car collision damage waiver. This waiver provides you with reimbursement for any damages to your rental vehicle caused by collisions or theft—but there are a few things you need to do when setting up your rental to ensure you can take advantage of this benefit.
Getting into a car accident is stressful no matter when it happens. But if you’re in an accident with a rental car, you have the added worry of how you’re going to pay for the damage. For a little peace of mind, a Chase Freedom credit card offers users the benefit of rental
car insurance
to help them cover the costs associated with damage to a rental vehicle. But that coverage has its limits.
In this guide, you’ll find everything you need to know about Chase Freedom rental car insurance—from how to get it to what it covers, and even how to make a claim.

What is Chase Freedom credit card rental car insurance?

Chase Freedom credit card rental car insurance covers theft and collision damage for most cars rented in the U.S. and abroad. To activate coverage, simply decline the rental agency’s auto rental collision damage waiver (CDW) or loss damage waiver and charge all rental costs to the Chase Freedom card you carry.
MORE: How to get a car rental discount code
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Which Chase credit cards are eligible for rental car insurance?

All Chase Freedom, Chase Freedom Flex, and Chase Freedom Unlimited credit cards automatically include rental car insurance as a card member benefit. In addition, many of Chase’s other personal credit cards provide perks that include rental car insurance, including:
  • Chase Sapphire cards
  • Chase Sapphire Preferred cards
  • Chase United Club Infinite
  • Chase United Quest
  • Chase United Explorer

What Chase Freedom rental car insurance covers

You already know Chase Freedom cards provide reimbursement for theft and collision damage to most rental vehicles, but let’s break that down a bit further. 
To make things simple Chase’s rental car insurance coverage is the same no matter which Freedom card you carry. It provides up to 31 consecutive days of coverage for the following scenarios:
  • Rental vehicle damage
  • Rental vehicle theft
  • Loss-of-use charges
  • Towing charges resulting from damage or theft
  • Rental company administrative fees.
Chase Freedom’s rental car insurance policy only applies to the cardholder and other drivers authorized by the rental car company. It also only applies to certain types of vehicle rentals. For example, rental car insurance benefits don’t apply if you’re renting any of the following types of vehicles:
  • Cargo vans, trucks, or vehicles with open cargo beds (except pickup trucks)
  • Limousines 
  • Exotic and antique cars
  • High-value vehicles, such as
  • Motorcycles, motorbikes, or mopeds
  • Passenger vans with a capacity of over nine people
  • Recreational vehicles
Finally, you’ll have some exclusions to keep in mind when it comes to the types of damage your policy will pay for even on a covered vehicle. Some of those exclusions include:
  • Injuries 
  • Damage caused by acts of war, etc.
  • Damage caused by off-roading
  • Damage to other vehicles
  • Damage caused while driving under the influence of drugs or alcohol
  • Property damage or loss
Key Takeaway Chase Freedom’s rental car insurance only applies to rental periods of 31 days or less. Renters must charge the entire rental to their credit card and decline the rental company’s CDW.
MORE: 7 ways to save money on car rentals

How to make a Chase Freedom rental car insurance claim

Making a claim on your Chase Freedom car rental insurance is fairly simple. Whether you are in the U.S. or abroad, you can file a claim online at
. You can also file your claim with a benefits administrator over the phone. If you’re in the U.S., you can call 1-888-320-9656. Renters outside the U.S. should call 1-804-673-1691.
To make your claim, you’ll need the following documents and records associated with the accident or theft:
  • A copy of the accident report
  • A copy of the repair estimate and itemized
    car repair
  • Two photos of the damaged vehicle (if applicable)
  • A copy of the police report (if applicable)
  • A copy of the rental company’s demand letter indicating the charges you’re responsible for.
In addition, you’ll need the following documents and records associated with the rental itself:
  • A copy of the rental agreement
  • The completed and signed auto collision damage waiver form
  • Your credit card statement that includes the rental charge
And now we get to the somewhat complicated part. If the rental and damage occur in the U.S., Chase Freedom’s rental car insurance provides secondary coverage. This means that if your rental vehicle is stolen or damaged, you must file a claim with your personal auto insurance company first. Chase’s rental car insurance will cover any costs above your coverage limits, plus the cost of your
car insurance deductible
This means that if you’re filing a claim for damage on a rental car in the U.S., you’ll also need the following documents related to the claim you file with your personal insurance provider:
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Chase Freedom only provides primary rental car insurance if you’re renting a vehicle outside your country of residence.
If you’re a U.S. resident and you rent a car in the U.S., Chase Freedom provides secondary insurance that will pay for damages and fees not covered by your personal auto insurance policy. If you’re renting outside your country of residence, Chase Freedom’s rental car coverage will cover the full cost of theft or damage, minus a 3% foreign transaction fee.
Which credit card company offers the best rental car insurance for you will depend a lot on, well, you. That said, according to Forbes, some of the top credit cards for rental car insurance include:
  • United Club Infinite Card
  • Capital One Venture S Rewards Credit Card
  • U.S. Bank Altitude Reserve Visa Infinite Card
  • United Explorer Card
  • Chase Sapphire Reserve
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