andyhi
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Chase Sapphire Preferred - Appears to cover CDW of standard pickup-trucks with exceptions for things like terrorism, drug use, antique / vintage vehicles, wear and tear on the bed, etc.
I had to login to an active Chase account to pull the full card benefits PDF. Below is a copy/paste from that pdf… (Note the items in bold that cover Pick-Up Trucks.)
I suspect other premium Visa cards that include CDW may offer this benefit as well as I believe the actual benefits are handled by VISA or a 3rd party. Check with your card’s “Benefit Administrator” for any clarifications/questions.
Auto Rental Collision Damage Waiver
The Auto Rental Collision Damage Waiver benefit provides reimbursement for damages caused by theft or collision up to the Actual Cash Value of most rented cars. The Auto Rental Collision Damage Waiver acts as primary coverage and covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges (due to a covered theft or damage) to the nearest qualified repair facility. The Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your Rental Vehicle, damage to any other driver’s car, the injury of anyone, or damage to anything is not covered. Rental periods up to thirty-one (31) consecutive days are covered.
You are covered when Your name is embossed on an eligible card issued in the United States, and You use Your credit card Account and/or rewards programs associated with Your Account to initiate and complete Your entire car rental transaction. Only You, as the primary renter of the vehicle, and any additional drivers permitted by the Rental Car Agreement are covered.
How Do You Use the Auto Rental Collision Damage Waiver?
1. Use Your Account to initiate and complete Your entire car rental transaction.
2. During this transaction, review the Rental Car Agreement and decline the rental company’s collision damage waiver (CDW/LDW) option or a similar provision. Accepting this coverage will cancel out Your benefit. If the rental company insists that You purchase their insurance or collision damage waiver, call the Benefit Administrator for assistance. Before driving out of the lot, check the rental car for any prior damage and bring any damage You identify to the attention of the rental car company.
This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and terminates when the rental company reassumes control of their vehicle.
This benefit is available in the United States and most foreign countries. Coverage is not available where precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Ifyou have questions about where coverage applies, contact the Benefit Administrator before You travel.
What Vehicles Are Not Covered?
Certain vehicles are not covered by this benefit, including: high value motor vehicles, exotic and antique cars (cars over twenty (20) years old or that have not been manufactured for ten (10) years or more), cargo vans, vehicles with open cargo beds, trucks, (other than pick-ups), motorcycles, mopeds, motorbikes, limousines, recreational vehicles, and passenger vans with seating for more than nine (9) people, including the driver (passenger vans with seating for nine (9) or less, including the driver, are covered).
• Examples of high value motor vehicles or exotic car brands not covered are Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla; However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered.
Wondering if coverage applies to a specific type of vehicle? Contact the Benefit Administrator.
What’s Not Covered?
The Auto Rental Collision Damage Waiver benefit does not apply to:
• Any obligation You assume under any agreement (other than the deductible on Your personal auto policy)
• Any violation of the auto rental agreement or this benefit
• Injury of anyone, including you, or damage to anything, inside or outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived or paid by the auto rental company or its insurer
• The cost of any insurance or collision damage waiver offered by or purchased through the auto rental company
• Depreciation of the Rental Vehicle caused by the incident including, but not limited to, “diminished value”
• Expenses reimbursable by Your insurer, employer, or employer’s insurance
• Theft or damage due to intentional acts or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband, or illegal activities
• Wear and tear, gradual deterioration, or mechanical breakdown
• Items not installed by the original manufacturer
• Damage due to off-road operation of the Rental Vehicle
• Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of covered vehicles
• Rental periods that either exceed or are intended to exceed thirty-one (31) days
• Leases and mini leases
• Theft or damage resulting from the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving the car running and unattended)
• Theft or damage reported more than one hundred (100)days* after the date of the incident
• Theft or damage for which a claim form has not been received within one hundred twenty (120) days* from the date of the incident
• Theft or damage for which all required documentation has not been received within three hundred sixty-five (365) days after the date of the incident
• Vehicles that are not rented from a Rental Agency
• Damage to the interior bed of a pick-up truck unless such damage is caused by or the result of a covered loss, such as theft or collision
• Damage to a pick-up truck that is a result of loading or unloading objects into the bed
• Losses caused by or resulting from a Cyber Incident
*Not applicable to residents in certain states
I had to login to an active Chase account to pull the full card benefits PDF. Below is a copy/paste from that pdf… (Note the items in bold that cover Pick-Up Trucks.)
I suspect other premium Visa cards that include CDW may offer this benefit as well as I believe the actual benefits are handled by VISA or a 3rd party. Check with your card’s “Benefit Administrator” for any clarifications/questions.
Auto Rental Collision Damage Waiver
The Auto Rental Collision Damage Waiver benefit provides reimbursement for damages caused by theft or collision up to the Actual Cash Value of most rented cars. The Auto Rental Collision Damage Waiver acts as primary coverage and covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges (due to a covered theft or damage) to the nearest qualified repair facility. The Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your Rental Vehicle, damage to any other driver’s car, the injury of anyone, or damage to anything is not covered. Rental periods up to thirty-one (31) consecutive days are covered.
You are covered when Your name is embossed on an eligible card issued in the United States, and You use Your credit card Account and/or rewards programs associated with Your Account to initiate and complete Your entire car rental transaction. Only You, as the primary renter of the vehicle, and any additional drivers permitted by the Rental Car Agreement are covered.
How Do You Use the Auto Rental Collision Damage Waiver?
1. Use Your Account to initiate and complete Your entire car rental transaction.
2. During this transaction, review the Rental Car Agreement and decline the rental company’s collision damage waiver (CDW/LDW) option or a similar provision. Accepting this coverage will cancel out Your benefit. If the rental company insists that You purchase their insurance or collision damage waiver, call the Benefit Administrator for assistance. Before driving out of the lot, check the rental car for any prior damage and bring any damage You identify to the attention of the rental car company.
This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and terminates when the rental company reassumes control of their vehicle.
This benefit is available in the United States and most foreign countries. Coverage is not available where precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Ifyou have questions about where coverage applies, contact the Benefit Administrator before You travel.
What Vehicles Are Not Covered?
Certain vehicles are not covered by this benefit, including: high value motor vehicles, exotic and antique cars (cars over twenty (20) years old or that have not been manufactured for ten (10) years or more), cargo vans, vehicles with open cargo beds, trucks, (other than pick-ups), motorcycles, mopeds, motorbikes, limousines, recreational vehicles, and passenger vans with seating for more than nine (9) people, including the driver (passenger vans with seating for nine (9) or less, including the driver, are covered).
• Examples of high value motor vehicles or exotic car brands not covered are Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla; However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered.
Wondering if coverage applies to a specific type of vehicle? Contact the Benefit Administrator.
What’s Not Covered?
The Auto Rental Collision Damage Waiver benefit does not apply to:
• Any obligation You assume under any agreement (other than the deductible on Your personal auto policy)
• Any violation of the auto rental agreement or this benefit
• Injury of anyone, including you, or damage to anything, inside or outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived or paid by the auto rental company or its insurer
• The cost of any insurance or collision damage waiver offered by or purchased through the auto rental company
• Depreciation of the Rental Vehicle caused by the incident including, but not limited to, “diminished value”
• Expenses reimbursable by Your insurer, employer, or employer’s insurance
• Theft or damage due to intentional acts or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband, or illegal activities
• Wear and tear, gradual deterioration, or mechanical breakdown
• Items not installed by the original manufacturer
• Damage due to off-road operation of the Rental Vehicle
• Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of covered vehicles
• Rental periods that either exceed or are intended to exceed thirty-one (31) days
• Leases and mini leases
• Theft or damage resulting from the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving the car running and unattended)
• Theft or damage reported more than one hundred (100)days* after the date of the incident
• Theft or damage for which a claim form has not been received within one hundred twenty (120) days* from the date of the incident
• Theft or damage for which all required documentation has not been received within three hundred sixty-five (365) days after the date of the incident
• Vehicles that are not rented from a Rental Agency
• Damage to the interior bed of a pick-up truck unless such damage is caused by or the result of a covered loss, such as theft or collision
• Damage to a pick-up truck that is a result of loading or unloading objects into the bed
• Losses caused by or resulting from a Cyber Incident
*Not applicable to residents in certain states
