Chase Sapphire Reserve: Car Rental Insurance Benefits [2023]

The Chase Sapphire Reserve® is one of the top credit cards on the market (and one of our personal favorites). This credit card exploded out of the gate a few years ago with a huge sign-up bonus and has continued to be a powerhouse among travel rewards cards ever since.

The perks that come with the Chase Sapphire Reserve card are a dream for any frequent traveler — an annual $300 travel credit, a Global Entry, NEXUS, or TSA PreCheck credit, Priority Pass Select membership for lounge access, travel insurance, and 50% more value from your points when booking travel through the Chase travel portal.

With so many great benefits, it can get a bit overwhelming to decipher. So, we’ll break it down for you and focus on 1 benefit at a time.

This post will show you everything you need to know about the car rental insurance and benefits that come with the Chase Sapphire Reserve card. We’ll review primary versus secondary coverage, what the insurance includes, who is covered, and how to submit a claim.

Table of contents

Benefits of the Chase Sapphire Reserve Card
- Ongoing Perks of the Chase Sapphire Reserve card:
Car Rental Insurance
How To File a Claim
- Important Dates To Remember
Special Car Rental Privileges and Discount Codes
Final Thoughts

Table of Contents

Benefits of the Chase Sapphire Reserve Card
- Ongoing Perks of the Chase Sapphire Reserve card:
Car Rental Insurance
How To File a Claim
- Important Dates To Remember
Special Car Rental Privileges and Discount Codes
Final Thoughts

Benefits of the Chase Sapphire Reserve Card

Before we get to the nitty-gritty of the Chase Sapphire Reserve card car rental insurance benefits, let’s take a quick look at the main benefits this card offers.

This premium credit card comes with premium perks — but also a hefty price tag. The Chase Sapphire Reserve card has an annual fee of $550. While this is a lot of money, the benefits that come with it can more than offset the price tag. That’s one of the reasons it remains a very popular card among travel enthusiasts.

Ongoing Perks of the Chase Sapphire Reserve card:

$300 annual travel credit
Earn 10x points on car rentals, Chase Dining, and hotels booked through the Chase Ultimate Rewards portal
Earn 10x points on Lyft rides (through March 2025)
Earn 5x points on airfare booked through the Chase Ultimate Rewards portal
Earn 3x points on travel and dining purchases
Earn 1x points on all other purchases
Global Entry ($100), NEXUS ($50), or TSA PreCheck ($78) fee credit (every 4 years)
Points are worth 50% more: 1.5 cents per point value when redeemed through the Chase Ultimate Rewards portal
1:1 point transfers to lots of airline and hotel partners
Travel insurance, including trip cancellation/interruption insurance, baggage delay and lost luggage insurance, travel accident insurance, and emergency medical coverage
Airport lounge access through Priority Pass

Hot Tip: For more information and a full explanation of all of the benefits offered by this card, see our article on the valuable benefits of the Chase Sapphire Reserve card.

If the price tag is still too steep for you despite all of these great benefits, consider the Chase Sapphire Preferred® Card. This card also earns Chase Ultimate Rewards points and has similar benefits, but the annual fee is only $95.

Car Rental Insurance

insurance agent working during site car accident claim process people car insurance claim — Image Credit: jcomp via freepik

The Chase Sapphire Reserve card comes with an Auto Rental Collision Damage Waiver, often referred to as CDW. That’s basically just a fancy term for car rental insurance. It covers damage or theft of most rental vehicles worldwide.

Auto Rental Collision Damage Waiver

The auto rental collision damage waiver (CDW) provided by the Chase Sapphire Reserve card applies to more than just the primary cardholder. You’re also covered if you’re an authorized user and listed as the primary renter.

To be eligible for the insurance that comes with the Chase Sapphire Reserve card, you must do 2 things:

Decline the collision insurance offered by the car rental company
Charge the entire rental cost to your Chase Sapphire Reserve card

Hot Tip: When you pay for your entire rental car cost on your Chase Sapphire Reserve card, you’ll be eligible for primary car rental insurance and earn 3x to 10x Ultimate Rewards points per dollar! You can then transfer those points to one of Chase’s hotel or airline partners or use them to book travel through the Chase Ultimate Rewards travel portal.

Primary vs. Secondary Coverage

The coverage offered by the Chase Sapphire Reserve card is primary coverage.

This means that you do NOT have to file a claim with any other insurance company you may have before you can take advantage of this Chase Sapphire Reserve card benefit.

Other Chase credit cards offering primary car rental coverage are:

Who and What Is Covered

So, what and who is actually covered when you take advantage of the insurance offered by the Chase Sapphire Reserve card?

The Collision Damage Waiver (CDW) applies to:

The cardholder (this can be the primary cardholder or authorized user, but they must be listed as the primary renter on the car rental contract)
Any additional drivers listed on the rental agreement

The CDW will cover up to $75,000 in physical damages and/or theft of the vehicle for rentals that are 31 consecutive days or less. Other covered expenses include reasonable towing charges and loss of use charges incurred by the rental company.

What’s Not Covered

As with most insurance policies, there’s a long list of things that aren’t covered. Here are just some of the things that are NOT covered by the insurance offered by the Chase Sapphire Reserve card:

Antique cars
Any obligation you assume under any additional agreement
Any rentals over 31 days in length
Any type of lease
Any violation of the rental agreement
Expenses reimbursed through other forms of insurance
Injury of anyone or anything inside or outside of the vehicle
Limousines
Loss or theft of personal belongings
Mopeds
Motorbikes
Motorcycles
Recreational vehicles
Trucks
Vans designed to carry more than 8 passengers
Vehicles with open cargo beds

Bottom Line: The auto rental collision damage waiver provided by the Chase Sapphire Reserve card will cover up to $75,000 in damages for the primary cardholder, plus any authorized drivers (on most rentals).

How To File a Claim

If you experience an accident or theft of your rental car, you must notify the benefits administrator within 60 days of the incident.

You must submit a completed claim form within 100 days of the damage or theft. And any and all supporting documentation must be submitted within 1 year of the damage or theft.

Here’s how:

File a claim over the phone: 888-675-1461
File a claim online: eclaimsline.com

You may be asked to supply supporting documentation with your claim. This could include any or all of the following documents:

Car rental agreement showing that you declined the CDW offered by the rental company
Credit card statement showing you paid for the entire rental with your Chase Sapphire Reserve card
A police report
Repair estimates
Photos of the damage
Any other documents deemed necessary by the benefits administrator

Important Dates To Remember

The timing of your claim is essential. For your claim to be approved, it must comply with the following timeline:

You must contact the benefits administrator within 60 days of the incident
You must file a claim within 100 days of the incident
You must submit all supporting documentation within 365 days of the incident

Bottom Line: To file a claim with your Chase Sapphire Reserve card, call 888-675-1461 or go online to eclaimsline.com.

Special Car Rental Privileges and Discount Codes

Along with collision and theft protection, your Chase Sapphire Reserve card offers you special privileges and discount codes with different car rental agencies.

National Car Rental

The Chase Sapphire Reserve card comes with complimentary Emerald Club Executive Level membership with National Car Rental.

You can also save up to 25% on qualifying rentals in the U.S., Canada, Latin America, and the Caribbean using code 5030849. To be eligible for this discount, you must book directly through National on its website or call 800-227-7368.

Avis

Once you’re enrolled in Avis Preferred, you can save up to 30% on qualifying rentals with Avis Worldwide Discount (AWD) Number S107100.

To receive this discount, you must book directly through Avis — the discount doesn’t apply when booking a rental car through the Chase Ultimate Rewards portal.

The discount applies to the base rate only and will vary based on location, date, and type of car. You must make your reservation 24 hours in advance to receive these benefits.

Because the Chase Sapphire Reserve card is a Visa Infinite card, cardholders also get complimentary Avis Preferred Plus membership. They can earn free weekend rentals and receive up to 10% off base rates on Select Series rentals, too.

Audi on demand

After creating an account and verifying your card’s eligibility, you’ll be eligible for special discounts with Audi on demand as a Chase Sapphire Reserve cardholder.

Your Chase Sapphire Reserve card must be saved as the default payment on your Audi on demand account to receive a discount. The discount must be applied at the time of booking and can only be used when booking directly through Audi on demand.

The discount isn’t available when booking a rental car through the Chase Ultimate Rewards portal.

Bottom Line: The discounts and benefits offered by Avis, National, and Audi on demand are only available when booking directly through the car rental agency, but a discount code may be required. These discounts can’t be applied when booking a rental car through the Chase Ultimate Rewards portal.

How To Find and Activate These Benefits — A Step-by-Step Guide

These special car rental privileges require you to sign up with each car rental agency individually. Thankfully, links to sign-up are easy to find in your online Chase account.

Step 1: First, sign in to your online Chase Ultimate Rewards account and click on the menu icon in the upper left-hand corner.

Chase Ultimate Rewards home page — Image Credit: Chase

Step 2: If you have more than 1 Chase credit card, be sure to select your Chase Sapphire Reserve card.

Ultimate Rewards home page - how to switch cards — Image Credit: Chase

Step 3: Scroll to the bottom and click on Card Benefits.

Chase Sapphire Reserve Card Benefits — Image Credit: Chase

Step 4: Scroll down until you get to Special Car Rental Privileges. You’ll find more information and links to sign up with the 3 programs that offer discounts — National, Avis, and Audi on demand.

Chase Sapphire Reserve Car Rental privileges — Image Credit: Chase

Final Thoughts

Renting a car can be stressful, but having the right credit card in your wallet can help make the process a little easier.

The Chase Sapphire Reserve card comes with many benefits, including primary rental car insurance. This policy is activated if you decline the collision damage waiver (CDW) offered by the rental company and pay for the entire cost of the rental using your Chase Sapphire Reserve card.

Featured Image Credit: Silvercar

Frequently asked questions

What type of car insurance does the Chase Sapphire Reserve card provide?

The Chase Sapphire Reserve card offers an auto rental collision damage waiver (CDW) that covers up to $75,000 in physical damages or theft. This coverage is primary, meaning you don’t have to submit a claim with any other insurance you might have first.

Where can I find the full benefits guide for my Chase Sapphire Reserve card?

You can read the full benefits guide for your Chase Sapphire Reserve card online.

Does Chase Sapphire Reserve card rental insurance cover liability?

No. The coverage does not cover any damage or liability to other cars. The coverage only applies to the vehicle you rented.

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About Katie Seemann

Katie fell in love with travel during a semester abroad in college spent in Nottingham, England. During that time, she got to see Scotland, Ireland, London, and Amsterdam and knew she wanted to see more of the world. Fast forward to 2015 when Katie discovered the world of points and miles. She jumped in full force and hasn’t looked back. After starting her own blog, Zen Life and Travel, in 2016, she began freelance writing in 2017. In addition to being a contributor to Upgraded Points since 2018, she also writes for Forbes Advisor and has previously written for Million Mile Secrets.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

24 comments

Pam November 12, 2019

I rented a car with Chase Reserve recently and was told I also needed to provide my regular car insurance to them because Chase does not cover liability.

Reply
- Michael McHugh November 13, 2019
  
  Hi Pam,
  
  The Reserve provides primary auto rental Collision Damage Waiver (CDW). This is not liability insurance, so you’re only covered for damage and theft to your rental vehicle. CDW does not cover damage to someone else’s property or if someone is injured in a wreck.
  
  Reply
- Dan November 13, 2019
  
  In the USA car rental companies are required by law to provide liability insurance. Lots of people in the US don’t own a car and therefore don’t have any car insurance, they can still rent a car declining all the optional coverage! The problem is that the default insurance only covers the state minimum requirement, which might be ludicrously small. So that’s why they ask for your coverage or try to sell you “supplemental liability”. I think it’s illegal to *require* you to purchase the supplemental (in the US). Foreign countries seem to do it as a matter of routine.
  
  Reply
Marcus December 7, 2019

I booked a car rental in January with my CSR using points, but I am thinking about downgrading the card soon as I don’t think I’ll need it as much after this trip. Would my rental still be eligible for the insurance coverage if I downgraded the card before the trip?

Reply
- Jarrod West December 8, 2019
  
  Hi Marcus,
  
  Unfortunately, it will not be eligible for the insurance, since you need to be cardholder when submitting a claim.
  
  Reply
Larry February 4, 2020

I’ve seen articles like this reference that trucks are excluded from coverage. However, reading Chase Sapphire Reserve’s Guide to Benefits dated 11/ 1/19 on page 3 it says that certain vehicles are not covered include: “antique cars (cars over twenty (20) years old or that have not been manufactured for ten (10) years or more), cargo vans, vehicles with open cargo beds, trucks, (other than pick-ups), motorcycles, mopeds, motorbikes, limousines, and recreational vehicles and passenger vans with seating for more than nine (9) people, including the driver (passenger vans with seating for nine (9) or
less, including the driver, are covered).”

Also, on page 4 it address damages that are excluded from the policy including “Damage to the interior bed of a pick-up truck unless such damage is caused by or the result of a covered loss, such as theft or collision” and “Damage to a pick-up truck that is a result of loading or unloading objects into the bed.”

This seems like contradictory language. Trucks are excluded from coverage – “other than pick-ups.”

Has anyone had any experience with this?

Reply
Pat April 8, 2021

Can you still get primary car rental coverage if you are only paying taxes and fees on the rental with a Chase Sapphire Reserve? I have enough points with Enterprise to rent a car for free for 8 days. I’m only required to pay the taxes and fees on the rental.

Reply
- Christine Krzyszton April 8, 2021
  
  Hi Pat. The terms and conditions state that you must “initiate and complete your entire car rental transaction” with the card. You may want to call the number on the back of your card and speak with Chase for any further clarification.
  
  Reply
Ashley June 2, 2022

Does the car rental insurance cover rental services like Hui and Turo?

Reply
- Christine Krzyszton June 2, 2022
  
  Hi Ashley. Chase states that the vehicle must be rented from a car rental agency. Hui and Turo are considered peer to peer rental companies, not car rental agencies, and you would likely not have coverage. You can call the number on the back of your card to confirm, however.
  
  Reply
Pat Novak July 9, 2022

Does the Chase Sapphire cover a rental car using Turbo?

Reply
- Christine Krzyszton July 10, 2022
  
  Hi Pat. According to Chase, the vehicle must be rented from a car rental agency. Turo is considered a peer-to-peer rental company, not a car rental agency, so you would likely not have coverage. You can call the number on the back of your card to confirm, however.
  
  Reply
  - Yamnesh September 30, 2022
    
    What is the difference between a car rental company and a car rental agency? Which companies come under car rental agency? Thanks in advance.
    
    Reply
    - Christine Krzyszton October 1, 2022
      
      Hi Yamnesh. This is how Chase describes the coverage: “vehicles not rented from a rental agency” are not covered. A rental agency is defined by Chase (in the Guide to Benefits) as “a commercial rental company licensed under the laws of the applicable jurisdiction and whose primary business is renting automobiles“. Turo, for example, is considered a ride-sharing app, not a car rental agency. Please understand, however, that we do not determine what is covered or not covered, or which companies are considered car rental agencies/companies. Chase and its third-party claims administrator have the final determination.
      
      Reply
phil July 20, 2022

Does the rental insurance cover a rental in Costa Rica?

Reply
- Jarrod West July 20, 2022
  
  Hi Phil,
  
  Yes, you should be covered in Costa Rica.
  
  Reply
Sean August 13, 2022

If I want to rent a vehicle for 2 months, can I have two rentals of one month each in order to qualify for less than 31 consecutive days?

Reply
- Christine Krzyszton August 13, 2022
  
  Hi Sean. The terms and conditions state that “Rental periods that either exceed or are intended to exceed thirty–one (31) days”, are excluded. If there was a gap between the 2 rental periods when the car was not rented and there were 2 separate rental agreements, it is possible that would qualify. This, however, is only my opinion. You might want to read through the Auto Rental Collision Damage Waiver section of the Guide to Benefits and then make your decision.
  
  Reply
Jay August 14, 2022

The thing this article misses is what it is like, in practice, to file a claim.

Based on my experience with Chase Reserve, and the experience of one family friend, most people would give up trying to collect on their coverage.

When you file they will reject your claim, they ask for ever more documentation, no matter how meticulous you are. This is not at all like the CDW of a rental car company where they handle all the admin. The insurer associated with Chase will try to get out of reimbursing you for repairs and admin fees by finding loopholes in your contract and put all the additional admin on you.

I persisted for about 14 months, calling probably 8-10 times, and sending letters. I eventually got reimbursed for the repairs and admin, but there was a lot of documenting, and duplicate documenting because they ask again, and again. My family friend gave up after a few months of trying.

The rental car agency CDW is typically around $15/day. I rent fewer than 10 days/year. CDW seems worth it to avoid the headache. Time is our most precious resource.

Please see the following for their loopholes (pages 3-5):
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10981_SapphireReserve_VisaInfinite.pdf

Reply
- Jay August 14, 2022
  
  FYI, these are only some of their loopholes, note the additional provision in the link I shared above:
  
  “This information is a brief description of the important features
  of this insurance plan. It is not an insurance contract. Insurance
  benefits are underwritten by Indemnity Insurance Company of North
  America (“Provider”). Coverage may not be available in all states or
  certain terms may be different where required by state law.”
  
  If you call the number listed in that link they will not confirm whether or not it applies in your particular state, and will not put anything to writing. They also will not share the contract with you. I tried.
  
  Reply
Sam October 7, 2022

Does this CDW benefit cover any excess? Trying to figure out if it makes sense to take out additional excess insurance on a car rental in Europe. Thx!

Reply
- Christine Krzyszton October 8, 2022
  
  Hi Sam. The car rental insurance coverage on the Chase Sapphire Reserve card is primary which means you would not have to make a claim on your personal insurance and therefore not have to pay its deductible (excess). If that is not what you’re asking, please clarify. Also, be sure to call Chase and ask for a letter of coverage to take with you to show to the rental agency.
  
  Reply
Mike January 25, 2023

I cannot find anywhere whether authorized users also get the complimentary upgraded status with National/Avis, or is it the primary cardholder only?

Reply
- Jarrod West January 25, 2023
  
  Hi Mike,
  
  Authorized users should receive that benefit as well.
  
  Reply

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Chase Sapphire Reserve Card: Maximizing Your Car Rental Insurance & Benefits

Benefits of the Chase Sapphire Reserve Card

Ongoing Perks of the Chase Sapphire Reserve card: