Does Discover Credit Card Have Car Rental Insurance?

Discover Credit Card Car Rental Insurance Coverage

Discover credit cards are a great way to earn rewards points and cashback offers. But did you know that they also provide car rental insurance? If you rent a car and pay for it with your Discover card, you may be covered for certain damages, such as those caused by theft, vandalism, or an accident. While this is an added benefit, it’s important to understand what your coverage includes and what it doesn’t before you can make the most of it.

Discover Credit Card Coverage

Discover’s car rental insurance covers up to the cash value of the vehicle for damages caused by theft, vandalism, or an accident. This coverage is secondary, meaning it applies after your primary auto insurance coverage. It does not cover any personal injury, medical bills, or property damage to other vehicles. It also does not cover any liability for damage you cause to other vehicles or people.

Eligibility Requirements

In order to be eligible for coverage, you must rent the car for less than 31 consecutive days and pay for it with your Discover card. You must decline the rental agency’s collision damage waiver (CDW) or similar coverage. You also must be the primary driver of the rental vehicle and you must be at least 25 years old. If you meet all of these requirements, you may be eligible for coverage.

Limitations

It’s important to note that Discover’s car rental insurance coverage is subject to certain limitations. Coverage is not available in certain countries, including Mexico, Ireland, Israel, Jamaica, and the Caribbean. Additionally, certain types of vehicles are excluded from coverage, such as trucks, vans, SUVs, and luxury vehicles.

Other Considerations

It’s important to remember that Discover’s car rental insurance is secondary coverage, meaning it only applies after your primary auto insurance coverage. You should always check with your auto insurance provider to see what type of coverage you have before you rent a car. Additionally, you should always check with the rental car agency to see what type of coverage they offer and what the associated fees are.

In conclusion, Discover credit cards offer car rental insurance coverage for certain damages caused by theft, vandalism, or an accident. However, it’s important to understand the restrictions and limitations of this coverage before you use it. Be sure to check with your auto insurance provider and the rental car agency to make sure you’re well protected before you drive off.