capital one venture visa car rental insurance coverage

Capital One QS, platinum, and Venture are their core line up. My card is a Visa and I know current Quicksilver cards are Mastercards. The Capital One Venture X Card is a travel rewards credit card that earns miles for purchases you make. To get Capital One Venture rental car card rental car insurance is actually a Visa. capital one venture visa car rental insurance coverage

Car Rental Collision Damage Waiver Credit Card Coverage

Italy car rental insurance

Italy Car Rental Collision Damage Waiver Credit Card Coverage

When you capital one venture visa car rental insurance coverage a car, you can expect to be offered a wide range of additional protections and insurance in case of disaster. One benefit you will be offered is a Collision Damage Waiver, which will cover damages to the rental car that might occur while it is in your care.

While the major credit card companies, such as American Express, Mastercard and Visa all offered the CDW benefit, it has been limited based on geographic regions. Italy, for one, had been listed as an exception for this benefit by almost all credit cards. That changed around 2015, and now select cards do offer the benefit in Italy. However, you need to check the fine print of each individual card plan to make sure. In this post, we provide information on which of the most popular credit card companies offer a Collision Damage Waiver for rental cars in Italy, as well as elsewhere around the world.

Which Credit Cards Offer Collision Damage Waiver Coverage in Italy?

American Express & MasterCard

We’ll get some bad news out of the way first: Neither American Express nor MasterCard offer CDW for rental cars in Italy. The exceptions for both American Express and MasterCard are Australia, Ireland, Israel, Italy, Jamaica and New Zealand. If you are planning to rent a car when you travel to Italy and you only have an American Express or MasterCard credit card, you should look into signing up for a different one that provides you with the proper coverage.


Visa offers CDW for rental cars in Italy. Currently, their only exceptions for countries are Israel, Jamaica, the Republic of Ireland, and Northern Ameri ichinose 50. Additionally, their coverage is limited based on vehicle. For instance, CDW through Visa does not cover vehicles classified as “expensive,” “exotic,” or “antique automobiles.” Nor do they cover vehicles with open cargo beds, trucks, motorcycles, mopeds, motorbikes, limos or RVs. Note: these exceptions are the rule in the vast majority of instances of purchasing CDW.


There’s plenty of jokes (which are not completely based in fiction) about how seemingly no business will accept Discover credit cards. This stems from the high processing fees involved in using the cards. However, acceptance walmart poplar bluff mo 63901 Discover is becoming more universal and one of the benefits is that it offers no restrictions for CDW based on country, nor are any foreign transaction fees involved when using it.

Chase Bank

Credit cards offered by Chase Bank, such as the IHG ® Rewards Club Select Credit Card also offers CDW for rental cars in Italy. In fact, Chase Bank does not have any restrictions for countries, offering worldwide coverage for rental cars. When using it overseas, the IHG ® Rewards Club card does not incur capital one venture visa car rental insurance coverage foreign transaction fees either. The exact benefits and extent of coverage will vary from card to card, so make sure to read the fine print to ensure you are getting the coverage you desire.

General Italy Car Rental Insurance Tips

The first step to obtaining CDW for a rental car in Italy with a credit card is ensuring you have a credit card which allows you to obtain CDW for a rental car umb atm Italy, but it is by no means the last step. Before you make the purchase, you need to consider:

● What capital one venture visa car rental insurance coverage of car you’re getting: Remember: trucks, luxury vehicles and motorcycles are just a few notable exceptions to CDW coverage
● Whether there are foreign processing fees for each particular card
● What kind of damage is being covered. Credit card companies will typically offer coverage based on physical damage, theft and towing. However, if damage or theft occurs due to gross negligence, drug or alcohol use, or other extenuating circumstances, then you will be held liable for the damages.

If you have confirmed you are using a card that includes CDW coverage, it is also important (of course) to decline the coverage the rental car desk offers to you.

We hope capital one venture visa car rental insurance coverage has been beneficial for you as you learn about Collision Damage Waiver, its benefits and availability. If you are traveling to Italy in the near-future, we hope you keep this all in mind!

Photo Credit: Flickr/Lisa

Grazie to author Broderick Kenny for providing this detailed information on a question we frequently get asked by our readers!

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Capital One

These are the Capital One cards that offer car rental. CODES (5 days ago) The information in this article covers standard Visa car rental insurance benefits. Visa is the card network for most Capital One products that are confirmed to offer car rental insurance.Mastercard is the card network for the Capital One® Platinum Credit Card, Capital One® Quicksilver® Cash Rewards Credit Card and. Mar 16, 2021 · Though Capital One only offers two types of travel insurance, many of their cards can lego f 14 tomcat it through Visa or Mastercard perks. To qualify, you need to purchase the entirety of your fare or rental using your Capital One card, and the policies listed in this article are subject to change at Capital One’s discretion.

Capital One Rental Car Discounts - Find Coupon Codes

Annual Europe Car Hire Excess Insurance. Annual multi-trip car hire excess cover capital one venture visa car rental insurance coverage rentals in Europe. Hiring a car in Europe? Avoid paying for your excess cover each time at the rental desk. Our Annual Europe car hire excess policy can be purchased as early as 364 days in advance, right up until before you collect your car. Feb 17, 2021 · Our Capital One Signature Visa gives us Auto Rental CDW in the UK. It makes no mention of capital one venture visa car rental insurance coverage deductible. It covers damage and theft. "The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured." Will I still need the "Excess Insurance" that Enterprise offers? Or is this sufficient?


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    Visa Rental Car Insurance Coverage Explained

    Does Visa Cover Rental Car Insurance?

    Qualification will depend upon the type, duration, and location of your rental, among other factors, but it is possible to use your Visa rental car insurance in place of that offered through the rental company. Your Visa card rental car insurance will have you covered in most European countries for a period of up to 31 days and includes coverage for most common vehicle models and classes. Benefits extend across the full range of available credit cards, from Standard to Premium Rewards, so there's a good chance you might be able to decline CDW as part of your rental rate to save some extra cash. 

    Visa Credit Cards with Car Rental Insurance
    Card TypeCDW in Europe?Coverage Limit
    Coverage ExcludesPrimary Coverage?Countries Excluded
    StandardYes31Expensive/exotic/antique cars, trucks, motorcycles, limos, vans (9+ pax)NoIreland, Northern Ireland
    RewardsYes31Expensive/exotic/antique cars, trucks, motorcycles, limos, vans (9+ pax)NoIreland, Northern Ireland
    Premium RewardsYes31Expensive/exotic/antique cars, trucks, motorcycles, limos, vans (9+ pax)NoIreland, Northern Ireland
    Chase Sapphire PreferredYes31Expensive/exotic/antique cars, trucks, motorcycles, limos, vans (9+ pax)YesIreland, Northern Ireland
    Chase/United MileagePlusYes31Expensive/exotic/antique cars, trucks, motorcycles, limos, vans (9+ pax)YesIreland, Northern Ireland

    IMPORTANT:Terms vary by issuing bank and there are some restrictions that may apply depending on the specifics of your rental that could void you from coverage under your Visa car rental insurance policy. See the tips below to get a better idea of whether or not you'll qualify for coverage and always call your card provider directly capital one venture visa car rental insurance coverage the most accurate information. 

    What type of coverage does Visa provide?

    Your Visa rental car insurance will cover any damage or loss and towing charges resulting from an accident or theft as well as any loss of use fees charged by the rental company, provided that the rental company supplies a fleet log. Your rental insurance with Visa will not cover liability but, luckily, all Auto Europe rates include 3rd party liability insurance as standard!

    See our page on types of rental car insurance

    Is the Visa insurance coverage primary or secondary?

    With the exception of some Chase cards, any rental car insurance offered by Visa is secondary, meaning accidents will affect your personally-owned vehicle's insurance premium. The Chase Sapphire Preferred and Chase/United MileagePlus cards feature primary rental car coverage but these cards typically require a yearly fee for membership.

    What do I need to do to activate Visa insurance for my rental?

    Visa Rental CarIn order to use the car rental insurance from your Visa credit card, you'll need to decline any other CDW/theft insurances offered by the rental company, pay your rental rate in full with the specific card you intend to get the benefits from, and the primary driver listed for the rental must be same as the name printed on the credit card used. So long as additional drivers are properly authorized with the car rental company you book with, they will be covered, too, but the primary driver must match the name on the Visa credit card.

    Always bring documentation from Visa stating that you are covered when you pick up your rental vehicle.

    In the event of an accident, when should I submit my claim?

    You must submit your insurance claim to Visa as soon as possible or, at max, within 45 days of the accident. If you do not submit a claim within 45 days you may void your eligibility for rental car insurance through Visa, leaving you to foot the bill on your own.

    If you decline CDW from the rental company and opt for insurance through your credit card, you will be responsible for providing Visa with the required documentation to file a claim in the event of an accident, which will include:

    • Official Visa claim form
    • Copy of Visa billing statement showing full amount of rental charged
    • Notarized statement from your primary insurance company
    • Accident/police report
    • Copy of auto rental agreements (car rental contracts)
    • Itemized repair bill
    • Photographs of damaged vehicle
    • Any other documents requested by Visa 

    Will I have to pay any extra charges with my Visa rental car insurance?

    Although you can get car rental insurance through Visa for no additional fees, the amount of your deductible/excess will vary greatly depending on your rental specifics, among other factors. The Visa insurance will cover for damage/loss due to collision or theft, towing services, and loss of use fees, but you must eastern michigan football shirts sure your rental qualifies according to the terms and conditions of your specific credit card's policy.

    In the event of an accident you will have to pay any deductibles or charges from the rental company up-front, to be later re-imbursed by your credit card pending your adherence to their requirements for coverage. 

    Declining CDW and opting for alternative insurance can help you save on your overall rental rate so long as you adhere to the stipulations of your credit card's contract, as briefly outlined above. For the ultimate in worry-free travel, the only way to drive your rental vehicle abroad in confidence that you are fully-covered is with zero deductible rental car insurance; granting you peace of mind without all the hassle!  

    See Also: Other Credit Cards with Car Rental Insurance

    All general policy data was collected from respective processor's website as of February 2019. Please call your provider directly for the most accurate capital one venture visa car rental insurance coverage up-to-date information. Visa®, Chase®, and United® are registered trademarks and are not sponsors of or affiliated with


    Mar 31, 2021 · Auto Rental Collision Damage Waiver. Rent a vehicle using your Venture Card and refuse the car rental agency’s collision damage coverage. You’ll receive secondary coverage for collision damage and theft on a domestic car rental and primary coverage for international rentals. Jun 01, 2020 · Rental car insurance policies in Australia are similar to those in Europe, but the terminology is a little different. Compulsory third party insurance — which Americans would call bodily injury liability — is mandatory, so it’s included in the base charge for the rental car. Rental car companies carry comprehensive insurance to cover.

    Roadside Assistance Network Benefits

    The next time you're renting a car and deciding whether to opt into the rental company's insurance coverage, consider this: If you have a credit card, it's likely you're already covered.

    Cards on the four major credit card networks (Visa, MasterCard, American Express and Discover) usually have some sort of auto rental insurance built into the card benefits, but the details vary. To get a clear understanding of what your liability might be if your rental vehicle gets damaged, check the terms and conditions of your credit card or call your issuer's customer service line before renting. Generally, here are some important things to know about credit card rental insurance.

    1. You Have to Choose

    When you rent a car, you can pay the rental company about $20 to $40 (perhaps more or less) a day for different kinds of coverage, including a collision damage waiver, supplemental liability protection, personal accident insurance and personal effects coverage. Often, a consumer already has access to many or all of these protections through their personal car, home, life or health insurance, and possibly credit cards. Again, you'll want to look into your insurance protections before getting a rental vehicle.

    If you want to use your credit card benefit, you generally need to decline the waivers offered by the rental company. Credit card rental car insurance is usually offered as an alternative to those policies, not as a supplement.

    2. Capital one venture visa car rental insurance coverage Have to Use the Card

    Merely carrying a credit card with car rental insurance benefits isn't going to help you. To be eligible for the benefits, most policies require you to pay for the entire rental with your card in order to file a claim. The car must be rented in the same name that's on the credit card, generally.

    Using a credit card to pay for the rental car can have other perks, too. If you're a frequent traveler, you can use a travel rewards card to pay for the rental and earn miles toward your next trip. For example, the Capital One Venture Rewards (you can read a full review of the Capitol One Venture Rewards card here) gives you double miles on all purchases, so you could leverage this vacation into optimum cable pay bill next. This card requires good or excellent credit to qualify. You can check your credit scores for free on to see where you stand.

    3. You Need to Read the Fine Print

    Many credit card policies do not cover damage to luxury or exotic vehicles, and some credit card networks won't cover cars driven in certain countries, either. Even if you have multiple cards from the same network or the same issuer, the benefits may vary, depending on what kind of card you use to rent the car. Discover, for example, has four kinds of car rental insurance for its cards, which vary in terms of what type of damage is covered capital one venture visa car rental insurance coverage the value limits on that coverage.

    Make sure you're familiar with the specific benefits of the card you use.

    In that fine print, you may be pleasantly surprised to learn of some little things the program covers.

    A spokeswoman from American Express gave this example:

    "With the secondary insurance that is included as part of the card's benefits, the fees that are covered include reasonable towing or storage charges, loss-of-use and administrative fees when the rental company provides appropriate documentation," the spokeswoman wrote in an email to

    4. You May Still Have to Pay

    Your credit card rental car policy may cover the cost of the car in the event of theft, but it may not include the cost of personal items lost in the theft. In the event of an accident, the damage to your rental car may be covered, but not the damage to other vehicles or related medical expenses.

    These are usually secondary insurance policies, meaning they'll cover some things not covered by your primary insurer. If you don't have car insurance to begin with, you may have more out-of-pocket costs than someone who has car insurance. If you have car insurance, you'll need to file a claim with your insurer and your credit card company.

    If you don't have primary insurance, you might be able to get that through your credit card company, too, although that may not be free. It may seem confusing, considering how many options you might have for protecting yourself when renting a car, but it's worth looking into your credit card or various insurers' policies, so capital one venture visa car rental insurance coverage don't end up unnecessarily spending money on coverage through a car rental company. Renting a car can be expensive enough in the first place, and even though it's a good idea to protect yourself against the unpredictable, you may not need to spend more to do so.

    Note: It's important to remember that interest rates, fees and terms for creditcards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with creditcard issuers, banks or other financial institutions directly.

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