Does Discover Card Have Car Rental Insurance?

When planning a road trip or vacation, you don't want to leave anything to chance. One of the major items you don't want to forget is car rental insurance. Not all credit cards offer rental car insurance and it's important to understand which ones do. If you're considering using a Discover card to rent a car, you may be wondering, does Discover card have car rental insurance? The answer is yes, it does.

What Does Discover Car Rental Insurance Cover?

Discover card rental car insurance provides coverage for physical damage and theft of the rental vehicle when you rent for 15 consecutive days or less within the United States. This coverage is secondary, meaning it only covers what your personal insurance doesn't. The coverage also applies to vehicles that are rented for business purposes. This coverage is provided at no additional cost when you use your Discover card to pay for the rental.

Discover car rental insurance covers up to the actual cash value of the rental vehicle. It also covers up to the limits of your rental agreement and any reasonable towing charges. If you use your Discover card to pay for a rental car, you will be covered for up to $25,000 in damages or theft. You will also be covered up to the policy limit for any medical and legal expenses resulting from an accident.

What Is Not Covered by Discover Car Rental Insurance?

Discover car rental insurance does not cover any loss of use charges, which are fees that the rental car company charges when a customer is unable to use the vehicle due to an accident or theft. It also does not cover any personal belongings that are left in the car, such as a laptop or cell phone. There are also certain countries where Discover car rental insurance does not apply, so it's important to check if the country you are traveling to is covered.

Do You Need to Activate Discover Car Rental Insurance?

Discover car rental insurance is automatically activated when you use your Discover card to pay for the rental. You do not need to call Discover or do anything else to activate the coverage. You will also be covered if you use rewards points to pay for the car rental.

How Does Discover Car Rental Insurance Work?

If you have an accident or experience theft of the rental vehicle, you will need to contact the rental car company to make a claim. The rental car company will then contact Discover to confirm the insurance coverage. Once it is confirmed, Discover will pay up to the policy limits, and you will be responsible for any remaining balance.

If you are planning to rent a car and use your Discover card to pay for it, you can rest assured knowing that you are covered for up to $25,000 in damages or theft. When you use your Discover card to pay for the rental, the car rental insurance will be automatically activated and you won't need to do anything else to activate the coverage.