How Chase Freedom Rental Car Insurance Stacks Up [2021]

If you have the Chase Freedom credit card, see what rental car insurance benefits you qualify for.
Last updated Sep 12, 2020 | By Dori Zinn
Four friends driving in a rental car

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Your credit card does more than just pay for your vacation — it can actually help you save money while traveling, too. Whether you’re picking a rental car up from the airport or heading to a rental agency near you, make sure you have the right piece of plastic handy.

Many credit cards have rental car insurance benefits so you don’t need to buy it separately from the rental company. And the Chase Freedom Card’s rental car insurance policy might offer you more coverage than you think.

Not only is the Chase Freedom Card one of the best cash back credit cards, but it also provides additional protections when you're out of town and renting a car. See what your rental coverage looks like before hitting the road.

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What does Chase Freedom’s rental car insurance cover?

Your Chase Freedom auto rental collision damage waiver will reimburse you for damages due to a collision or theft up to the cash value of your rental car. To be eligible for this coverage, you’ll need to use your Chase Freedom Card to pay for the booking and decline the insurance offered by the rental company.

The collision damage waiver offered through the Chase Freedom is secondary insurance that supplements the auto insurance you have on your personal car. You’ll need to file a claim through your primary insurance company first — any amount that’s not covered by that policy may then be covered by the Chase Freedom’s benefits.

Coverage is valid in the United States and most foreign countries for you and any other drivers in your rental agreement. Coverage includes:

  • Physical vehicle damage or theft
  • Charges by the rental company while the vehicle is being repaired
  • Related towing charges

The benefit is only good for rental periods of 31 days or less. Most vehicles — including cars, minivans, and utility vehicles — are eligible, but some restrictions may apply.

Rental cars that aren’t covered by Chase Freedom

Specialty cars might be fun to rent, but your Chase Freedom may not cover the insurance on one. Some antique, exotic, or nontraditional cars aren’t covered. Exclusions include:

  • Specific vans that carry nine or more passengers
  • Trucks or vehicles with an open cargo bed
  • Motorcycles, mopeds, and motorbikes
  • Antique cars over 20 years old
  • Limousines
  • RVs (Recreational Vehicles)

Specific brands of expensive vehicles that aren’t covered include:

  • Alfa Romeo
  • Aston Martin
  • Bentley
  • Corvette
  • Ferrari
  • Jaguar
  • Lamborghini
  • Lotus
  • Maserati
  • Maybach
  • McLaren
  • Porsche
  • Rolls Royce
  • Tesla

Some models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered through the rental car insurance. Contact the Benefit Administrator if you have questions about a certain vehicle.

Other things not covered by Chase Freedom car rental insurance

  • Injuries of anyone in or out of the car
  • A vehicle’s normal wear and tear or mechanical breakdown
  • Damage to your personal items
  • Damage that occurs due to driver negligence, such as off-road driving, driving under the influence of alcohol or drugs, or transporting illegal items
  • Claims submitted more than 100 days after the accident
  • Any losses that haven’t received proper documentation within a year

How good is rental car insurance on the Chase Freedom Card?

If you have a Chase Freedom Card, let's see how the rental car insurance stacks up to other Chase credit cards, such as the Sapphire Reserve or Sapphire Preferred.

While the Chase Freedom offers secondary insurance, the Sapphire Reserve and Preferred cards offer primary insurance coverage. That means you don’t have to file a claim with your personal car insurance provider to receive coverage. If you use the Freedom card, you’ll need to file a claim with your primary insurance company first.

The Sapphire Reserve card covers up to $75,000, while the Sapphire Preferred and the Freedom card covers up to the cash value of the car. The Sapphire Reserve card may cover more vehicles, like some expensive or exotic cars, while the Sapphire Preferred and Freedom cards don’t. No card will cover antique vehicles.

Otherwise, all credit cards will cover you and other authorized drivers on the rental agreement, along with physical damage to the vehicle, theft, and towing charges.

Commonly asked questions 

Can I pay for the car rental with points and still have rental car coverage?

Yes, cardmembers are covered with rental car insurance through Chase as long as the rental was made using Ultimate Rewards points, charged on an eligible Chase credit card, or paid for using a combination of the two. Keep in mind you’ll need to decline the rental car company’s collision damage waiver or similar provision in order to be covered through your Chase credit card.

What does primary and secondary coverage mean?

Primary coverage is your first line of protection in the event of an incident. Generally, your personal car insurance policy acts as your primary coverage, however, some credit cards offer primary car rental insurance coverage also. If your credit card offers primary car rental coverage, then you would not need to file a claim through your personal insurance.

When a claim is filed through primary car rental coverage insurance, you may be covered up to the policy’s maximum limit. If the claim exceeds the primary coverage’s limit, that’s when secondary coverage can be useful. Secondary coverage, which is a more common benefit from certain credit cards, can help cover that gap.

Does the Chase Freedom have roadside assistance?

Chase Freedom cardmembers have the benefit of roadside assistance in the event of a flat tire or other roadside emergency. Contact 1-800-847-2869 to request help. Roadside fees may apply and will be billed to your Freedom card.

Does the Chase Freedom have travel insurance?

If your trip is canceled or interrupted due to weather or illness, your Chase Freedom card offers trip cancelation/interruption insurance up to $1,500 per person and $6,000 per trip.

Does a Chase debit card cover car rental insurance?

Although you can use your personal Chase debit card to book a car rental, using your debit card does not provide car rental insurance. In general, credit cards offer a lot more in the way of both protections and benefits than debit cards.

The bottom line on Chase Freedom rental car insurance

Now that you know what’s covered under the Chase Freedom’s rental car insurance, you can find the perfect vehicle for you.

Make sure you choose a car that’s covered on the card. Skip the fancy or extra-large vehicles and pick a car that the Chase Freedom Card will cover — or else be prepared to pay extra for the rental company’s pricey insurance.

Take advantage of the rental car insurance through Chase Freedom. You have more benefits than you think — you just have to use them.

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