If you’re contemplating signing up for certainly one of Southwest’s airline bank cards, or maybe you’ve just lately turn out to be a cardmember, it’s possible you’ll be perusing card advantages and questioning, does my Southwest bank card have automobile rental insurance coverage? It’s a sound query and there’s excellent news: Yes, Southwest bank cards do include automobile rental insurance coverage. Here’s the lowdown.
How it really works
Southwest bank card rental automobile insurance coverage covers occasions corresponding to:
Loss-of-use prices from the rental firm.
Towing that is perhaps the results of an accident or break-in.
The rental automobile insurance coverage that comes with Southwest bank cards is secondary protection typically, which implies it dietary supplements your major auto insurance coverage coverage. If you’ve got private auto insurance coverage, that coverage would pay out first within the occasion of a declare. Your Southwest bank card insurance coverage could reimburse you on your major insurance coverage deductible, administrative prices charged by the automobile rental firm, and “reasonable” towing prices that your major insurance coverage doesn’t cowl.
If you don’t have private auto insurance coverage or some other insurance coverage, the Southwest rental automobile insurance coverage reimburses you for coated theft, injury, administrative prices or loss-of-use prices imposed by the rental firm, plus cheap towing prices that occurred when you had been accountable for the car.
If you are renting a automobile outdoors your nation of residence, your Southwest bank card’s automobile rental insurance coverage will likely be your major protection and can reimburse you for those self same bills — theft, injury, administrative prices or loss-of-use prices imposed by the rental firm, plus cheap towing prices.
Available bank cards and their phrases
Wondering which Southwest bank cards supply automobile rental insurance coverage? Good information: They all do, private and enterprise playing cards alike. So it’s merely a matter of selecting which card is best for you.
Southwest Rapid Rewards playing cards with automobile rental insurance coverage
The playing cards all include the identical primary phrases, that are necessary to think about earlier than counting on bank card protection to guard you and your rental automobile.
It’s simply as necessary to know what’s not coated as it’s to know what is roofed. What’s not coated? Events corresponding to:
Damage to a different driver’s automobile within the occasion of a collision.
Costs associated to accidents.
Damage to any gadgets not in any other case coated, corresponding to baggage.
Theft of private belongings.
Damages arising from reckless utilization like off-road driving.
You’re additionally solely coated for rental intervals as much as 31 consecutive days, so hold that in thoughts when renting a car for longer intervals of time.
Not all automobiles are coated, both. Exclusions embody high-value automobiles, bikes and high-capacity vans.
You should use your Southwest bank card to pay for the complete price of the automobile rental with the intention to profit from the cardboard’s insurance coverage protection.
How to make a declare
Need to file an insurance coverage declare in your rental automobile after a collision, theft or injury? Here’s easy methods to use the rental automobile protection that comes together with your Southwest bank card:
Book and pay on your whole rental utilizing your Southwest bank card.
When you hire the automobile, decline the rental firm’s insurance coverage and injury waivers. Accepting them will make your Southwest bank card protection void.
In the case of theft or an accident, acquire copies of all accident and police stories and take photographs of any injury if relevant.
Call the Southwest bank card advantages administrator inside 60 days of the incident to start out the declare course of. The quantity will be discovered in your bank card assertion or on the again of your bank card.
Submit any required paperwork, like restore payments, alongside together with your declare. The advantages administrator will present an inventory of what is wanted.
If your declare is permitted, settle for any declare funds.
After an accident, file your insurance coverage declare as quickly as doable. Make positive to have all obligatory paperwork postmarked inside 12 months of the incident.
When to think about including extra insurance coverage to your rental
From time to time, the secondary insurance coverage accessible together with your Southwest card is probably not sufficient. For instance, you might have considered trying extra protection in case you’re renting an vintage or extremely luxurious car like a Ferrari, or in case you’re planning off-road adventures in 4WD automobiles. If you’re uncertain if the Southwest protection will likely be sufficient on your scenario, check out the rental automobile firm’s insurance coverage to see if it presents extra protection and peace of thoughts.
If you are contemplating reserving a rental automobile together with your Southwest card
For most vacationers, the automobile rental insurance coverage accessible together with your Southwest card will likely be greater than ample to cowl the incidents you may encounter whereas cruising the highway. But as with all insurance coverage, be certain that to learn the phrases and circumstances, know the steps to file a declare, and be clear on what’s and isn’t coated.
How to maximise your rewards
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