Does Capital One Journey Have Rental Car Insurance?
Rental cars can be a convenient way to get around when you’re traveling, but the cost of rental car insurance can add up quickly. One of the questions many travelers have is whether their Capital One Journey credit card provides rental car insurance. In this article, we will explore whether Capital One Journey offers rental car insurance and what you need to know before renting a car.
Understanding Rental Car Insurance
Rental car insurance is designed to protect you from financial liability in the event of an accident or damage to the rental vehicle. While many rental car companies offer their own insurance policies, these can be quite expensive. That’s why it’s important to check if your credit card offers rental car insurance coverage.
Does Capital One Journey Have Rental Car Insurance?
Yes, Capital One Journey does offer rental car insurance coverage. However, it’s important to note that this coverage is secondary to any primary insurance you may already have, such as your personal auto insurance policy. This means that if you have your own auto insurance, it will cover the costs of an accident or damage before Capital One Journey’s insurance kicks in.
What Does Capital One Journey’s Rental Car Insurance Cover?
Capital One Journey’s rental car insurance coverage includes:
1. Collision Damage Waiver (CDW): This covers the cost of repairing or replacing the rental vehicle in the event of an accident, minus your deductible.
2. Loss Damage Waiver (LDW): This covers the cost of theft or damage to the rental vehicle, again minus your deductible.
3. Personal Effects Coverage: This covers the cost of personal items stolen from the rental vehicle, up to a certain limit.
What You Need to Know Before Renting a Car
While Capital One Journey’s rental car insurance can provide peace of mind, there are a few things you should keep in mind before renting a car:
1. Review your credit card’s terms and conditions: Ensure that you understand the coverage limits and exclusions of Capital One Journey’s rental car insurance.
2. Check with your primary insurance provider: Make sure that your personal auto insurance policy covers rental cars, as this will be your primary insurance in the event of an accident.
3. Consider purchasing additional insurance: If you feel that your coverage is insufficient, you may want to purchase additional insurance from the rental car company.
Conclusion
In conclusion, Capital One Journey does offer rental car insurance coverage, but it’s important to understand the terms and conditions of the policy. Make sure to review your credit card’s terms and conditions, check with your primary insurance provider, and consider purchasing additional insurance if necessary. With the right coverage in place, you can enjoy your travels with peace of mind, knowing that you’re protected in the event of an accident or damage to your rental vehicle.
