Does Discover Cover Car Rental Insurance?

When you’re traveling for business or pleasure, renting a car is often the most convenient way to get around. But renting a car can be costly if you don’t have the right coverage. Many credit cards offer rental car insurance as a perk, but does Discover cover car rental insurance?

Understanding Discover Insurance Coverage

Discover offers a range of insurance coverage options for its holders, including rental car coverage. The rental car coverage offered by Discover is secondary insurance, which means that it kicks in after your primary insurance (your own car insurance) has been exhausted. This means that your credit card’s rental car coverage won’t cover any damages that you would normally be responsible for, such as your deductible.

Discover Rental Car Insurance Coverage

Discover’s rental car insurance coverage is comprehensive and includes protection for theft, vandalism, and damage to the rental car. It also covers towing and labor costs, as well as loss of use charges. Discover’s coverage also protects you in the event that your rental car is damaged by someone else. The coverage is valid in the US, Canada, and Puerto Rico, but it does not cover any international rentals.

Eligibility

In order to be eligible for Discover’s rental car insurance, you must use your Discover card to pay for the rental. The rental must also be a vehicle with four wheels and a weight of less than 10,000 pounds. The rental must be for a period of 31 days or less, and you must be the primary renter of the vehicle. Additionally, you must decline any coverage offered by the rental car company.

Limitations

Discover’s rental car coverage does have some limitations. It does not cover any vehicles that are used for business purposes, such as limousines, trucks, and vans. It also does not cover any damage caused by an uninsured driver, or any damage caused by an act of God. Additionally, the coverage does not cover any personal items that may be lost or stolen from the rental car, or any liability for injury or damage to other parties.

Conclusion

Discover offers rental car insurance coverage for its cardholders, but there are some limitations and eligibility requirements. If you’re planning to rent a car, make sure to read the terms and conditions of Discover’s rental car coverage before you rent. It’s important to understand your coverage options in order to make sure that you’re properly protected while you’re traveling.