HomeFinanceDo Delta Credit Cards Have Rental Car Insurance?

Do Delta Credit Cards Have Rental Car Insurance?

Imagine driving down a South African freeway, seeing grilled corn bought by native ladies on the facet of the highway and deciding to cease to get some as a result of it appears scrumptious. You make a U-turn, and all of a sudden BAM! Another automotive stuffed with relations slams into yours as a result of the driving force didn’t discover your flip sign.

While you make sure that everyone seems to be all proper and await the police, you assume to your self, “Oh my goodness! It’s a good thing I have collision damage insurance on my credit card.”

Accidents can occur anyplace — and that was a real story, by the way in which. Luckily, everybody was tremendous and each vehicles had been in drivable situation … simply significantly broken.

To keep away from being on the hook for 1000’s of {dollars} in rental automotive restore prices, make sure that to make use of a bank card that gives insurance coverage to pay to your rental. Whether it’s only a fender bender or a complete loss, you might be coated. Here, we’ll take a look at Delta bank card rental automotive insurance coverage protection specifically.

How it really works

American Express automotive rental loss and harm insurance coverage is offered on all co-branded Delta SkyMiles bank cards. Terms apply.

To be eligible for protection, merely use your card to pay the complete value of the rental and decline the complete collision harm waiver at pickup. Additionally, the cardholder should be the first driver on the contract.

Coverage consists of automobiles internationally, besides these rented in:

  • Any different nation on the checklist of sanctions imposed by the Office of Foreign Assets Control.

The following drivers are coated by the American Express automotive rental loss and harm insurance coverage:

  • Their partner or home associate.

Keep in thoughts that the automotive rental loss and harm insurance coverage that comes with Delta SkyMiles playing cards gives secondary protection. This implies that in the event you maintain a private auto insurance coverage coverage, it’s going to be on the hook for a decision first within the occasion of theft or harm to your rental car.

You is perhaps questioning what precisely is roofed by a Delta bank card rental automotive insurance coverage in case of an accident. Coverage is restricted to the next:

  • Theft / lack of rental car use.

  • Rental firm administrative charges.

Another essential piece of data is that the AmEx rental automotive insurance coverage doesn’t apply to another car besides the rental car. This is probably going a kind of instances when your private insurance coverage will come into play in case of an accident.

Available Delta bank cards and their phrases

So, in the event you’re holding your breath dying to know which Delta playing cards include rental automotive protection, you’ll be able to exhale. All co-branded Delta playing cards provide automotive rental loss and harm insurance coverage. Terms apply.

Delta bank cards with automotive rental insurance coverage


The automotive rental loss and harm insurance coverage that comes with the Delta SkyMiles playing cards covers a rental interval of 30 consecutive days with the identical automotive rental firm. If the contract is prolonged or a brand new contract is made for a unique car, then protection doesn’t apply.

Depending on the AmEx Delta card you maintain, you’re coated for as much as $50,000 to $75,000 per rental settlement.

It’s essential to know that not all rental automobiles are eligible for protection. You can’t simply take a Porsche 911 Carrera for a joyride, scratch it or wreck it, and hope that it’s coated below the plan. Vehicles that aren’t coated embrace:

  • Cargo vans or vans with capability for greater than eight passengers.

  • Camper vans and trailers.

In addition to wreck to a different car, which we’ve already mentioned, the next occasions aren’t coated by the AmEx automotive rental loss and harm plan:

  • Driving inebriated or medicine.

  • Off-road car operation.

  • Personal legal responsibility or private harm.

  • Uninsured/underinsured drivers.

  • Mechanical or electrical breakdown.

  • Theft of automobiles which are unlocked.

  • Theft or harm to tires.

How to make a declare

To file a declare, name American Express at 800-338-1670 (from the United States) or 303-273-6497 (a accumulate name from overseas). You can even go to americanexpress.com/protectionbenefits inside 30 days of theft or harm to a rental car.

Within 60 days, make sure that to submit proof of loss paperwork, comparable to:

  • Copy of the rental settlement.

  • Copy of the non-public auto coverage.

  • Copy of the driving force’s license.

  • Police report (when relevant).

If your declare is accepted, you’ll be reimbursed inside 30 days.

Time is of the essence when submitting a declare for loss or harm to a rental automotive, so be sure you don’t procrastinate.

Credit playing cards to make use of for main protection

If secondary protection isn’t sufficient and also you don’t need to shell out cash for the rental firm’s personal collision harm insurance coverage, think about using a unique bank card that has main protection constructed into its advantages package deal.

For instance, some basic journey rewards playing cards, such because the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, each provide main protection and work in an analogous approach. Simply decline the auto rental firm’s insurance coverage and pay for a rental with one among these playing cards. This approach you don’t must file a declare together with your private insurance coverage, which may have an effect on your charges.

Other bank cards that supply main rental automotive collision harm insurance coverage without spending a dime are:

When to contemplate including insurance coverage to your rental

From time to time, the secondary insurance coverage accessible together with your Delta card will not be sufficient. For instance, it’s your decision extra protection in the event you’re renting an vintage or extremely luxurious car like a Ferrari, or in the event you’re planning off-road adventures in four-wheel-drive automobiles.

If you’re uncertain if the Delta protection will probably be sufficient to your rental, contact your rental automotive company to make clear what’s coated and what is not.

If you’re contemplating reserving a rental automotive together with your Delta SkyMiles bank card

​​If you lease vehicles steadily, having collision harm insurance coverage can spare you the surprising bills in case of an accident. Having protection supplied by a Delta bank card rental automotive insurance coverage means that you can say “no” to a pushy agent on the rental desk attempting to rope you into pointless fees.

Having mentioned that, holding a bank card that gives main automotive rental insurance coverage is even higher as you get to save cash and hold your private insurance coverage out of it.

How to maximise your rewards

You desire a journey bank card that prioritizes what’s essential to you. Here are our picks for the finest journey bank cards of 2022, together with these finest for:



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