Discover It Credit Card Rental Car Insurance

What is Discover It Credit Card?

Discover It Credit Card is a popular credit card offered by Discover Financial Services. It is a rewards credit card that gives you cash back on every purchase, plus many other benefits. It offers a 0% introductory annual percentage rate (APR) on purchases and balance transfers for the first 14 months. After that, the APR will vary based on the Prime Rate. The card also offers discounts on popular brands, special offers, and exclusive access to certain events.

Discover It Credit Card Rental Car Insurance

Discover It Credit Card offers rental car insurance coverage as part of their benefits package. This coverage is designed to protect you in the event of an accident or theft while you are renting a car. The coverage includes up to $50,000 for collision damage, up to $25,000 for theft, and up to $25,000 for personal injury. This coverage is available for up to 31 days for rentals in the United States and for up to 15 days for rentals in Canada.

What Is Covered By Discover It Credit Card Rental Car Insurance?

Discover It Credit Card covers the cost of repairs or replacements for damage to the rental car, up to the limits of your coverage. It also covers the cost of theft of the rental car, up to the limits of your coverage. This coverage is secondary to your own insurance, so if you have separate coverage through your auto insurance, that coverage would take precedence.

What Is Not Covered By Discover It Credit Card Rental Car Insurance?

Discover It Credit Card does not cover any liability or medical costs associated with an accident. You will need to have separate liability coverage in order to be protected in the event of an accident. Additionally, the coverage does not cover any damage to personal items, such as luggage or electronics, that are in the rental car at the time of the accident.

How To Activate Discover It Credit Card Rental Car Insurance

In order to activate the rental car insurance coverage, you must charge the entire rental cost to your Discover It Credit Card. You must also decline the rental car company's coverage and provide them with the Discover It Credit Card policy number. You can find this policy number on the back of your card or by logging into your online account.

Conclusion

Discover It Credit Card offers a great benefit in the form of rental car insurance coverage. This coverage can provide peace of mind while traveling and can help to protect you in the event of an accident. It is important to remember that this coverage is secondary to your own coverage, so you should make sure you have adequate liability coverage as well.