Discover Card Cover Rental Car Insurance: What You Need to Know

Discover Card is a major credit card provider that offers several benefits to its customers. One of these benefits is rental car insurance, which provides coverage for rental cars in the event of theft or damage. This coverage can be a great way for travelers to save money on rental cars and to have peace of mind while traveling.

What Does Discover Card Cover?

Discover Card covers theft and damage to rental cars when you rent a vehicle with your Discover Card. This coverage is provided at no additional cost and applies to vehicles rented for up to 31 days. Additionally, if your rental car is stolen, Discover Card will also cover up to $50,000 of the rental car company's loss. This coverage is also applicable to rental cars that are rented in the United States and its territories.

What Is Not Covered By Discover Card?

Discover Card does not cover any personal items that may be inside the rental car. Additionally, Discover Card does not cover any damage that is caused by an accident or by the negligence of the renter. Furthermore, this coverage does not apply to rental cars that are rented outside of the United States and its territories.

What Do You Need to Do to Take Advantage of Discover Card's Coverage?

In order to take advantage of Discover Card's rental car insurance coverage, you will need to make sure that you are the primary renter of the vehicle and that you use your Discover Card to pay for the rental. Additionally, you will need to decline any additional insurance coverage offered by the rental car company and make sure that you follow all of the terms and conditions of the rental agreement.

When Does Discover Card's Rental Car Insurance Not Apply?

Discover Card's rental car insurance does not apply to vehicles that are rented for more than 31 days. Additionally, this coverage does not apply to vehicles that are rented for business purposes. Furthermore, Discover Card's insurance does not cover any vehicles that are rented outside of the United States and its territories.

Final Thoughts

Discover Card's rental car insurance coverage can be a great way for travelers to save money on rental cars and to have peace of mind while traveling. This coverage provides protection for theft and damage to rental cars when you rent a vehicle with your Discover Card. However, it's important to note that this coverage does not apply to vehicles that are rented for more than 31 days or for business purposes. Additionally, it does not cover any personal items that may be inside the rental car or any damage that is caused by an accident or by the negligence of the renter.