My Experience with Chase Sapphire Reserve’s Primary Rental Car Insurance

One of the many benefits of the Chase Sapphire Reserve credit card is the primary rental car insurance coverage. When applying for the credit card, I knew this benefit would be good for peace of mind, but didn’t think I would ever need to use it. Well, I ended up using it.

If you have a credit card that offers Primary Rental Car Insurance, such as the Sapphire Preferred or Sapphire Reserve, make sure you decline the rental company’s collision damage waiver or loss damage waiver.

On my trip to Grenoble, France, I rented a car from Sixt. When I dropped the car off a few days later, I failed to inspect the car for any damages. Sixt, however, did inspect the car and found a few deep scratches on the front of the bumper. A week later I received an invoice for the damage, totaling $430.


With primary coverage, you do not have to file a claim with any other source of insurance, so I skipped notifying my personal insurer, and immediately started a claim through Chase, using eclaimsline.com. I submitted as much information as I could through eclaimsonline.com, but couldn’t complete it right away, as I had to request a few more documents from Sixt.

Once you start your claim, you can always refer back to it using the claim number that eclaimsonline.com provides for you. You just need to submit all required documentation within 365 days of the damage or theft.

While I was waiting for Sixt to email me the last few documents, I ended up having to pay the $430 in damage out of my own pocket so I wouldn’t incur any late fees.

Once Sixt emailed me the last documents, I logged back into eclaimsonline.com and completed the claim. Five days later, Chase approved the claim and sent me a check for the full amount.


A few final notes (as of April 3rd, 2017):

  • You have to purchase the rental car with a credit card that has primary rental car coverage in order to get reimbursed. In this case, I used my Chase Sapphire Reserved credit card.
  • Authorized users are also covered.
  • The coverage is up to 75k and vehicle rental periods that do not exceed 31 consecutive days.
  • Antique automobiles; vans designed to carry more than 8 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles are not covered.

4 thoughts on “My Experience with Chase Sapphire Reserve’s Primary Rental Car Insurance”

  1. Thank you this is helpful. I also have the Chase Sapphire Reserve and was going debating whether to get a rental through Sixt or Turo. I have a feeling that the rental coverage would only apply for Sixt so that’s what I’ll go with.

    1. You’re welcome! I agree, I think going through Sixt would be a safer bet when it comes to being covered for any accidents/problems.

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