Auto Rental Collision Damage Waiver–Commercial and Government

Receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your covered Visa card and decline the rental company's collision damage waiver (CDW) coverage if offered by the auto rental company. Available to all Visa Commercial and Visa Corporate cards.

Auto Rental Collision Damage Waiver

When you use your covered Visa Card to reserve and pay for your entire auto rental, you can be covered and get reimbursed for damage to the rental vehicle that results from a collision or theft.

Add Peace of Mind to your Itinerary

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered.

Easy Claims Process

Collect your documents (auto rental agreement, rental dates, etc.), and go to www.eclaimsline.com or call& 1-800-348-8472. If you are outside the United States, call collect at one of our toll-free numbers to file a claim or get your questions answered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.

Below you will find answers to some of the most commonly asked questions.

Q: What do I need to do when reserving a rental car to be eligible for coverage?

A: You must secure and charge the rental in full on the covered card and you must decline the Collision or Loss Damage Waiver at the rental agency. The name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You also must follow all of the terms and conditions of the Rental Agreement.

Q: How does the benefit work for domestic auto rentals?

A: For domestic rentals this benefit covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. If the vehicle rental is for business purposes, the benefit acts as primary coverage and you may be reimbursed for up to the actual cash value of the vehicle. If the rental is for personal reasons, coverage is supplemental to your personal automobile insurance.  

Q: How does the benefit work for international auto rentals?

A: For international rentals this benefit is primary, and covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident Coverage is not available in Jamaica, Ireland, or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement. Please note: Regulations vary outside the United States, so we recommend that you check with your auto rental company before you travel to make sure this benefit will apply.  

If you happen to be renting a vehicle in Australia, New Zealand, Costa Rica, or Italy, please note: often the purchase of a minimum level of collision damage coverage is mandated in these countries.  In that case, your benefit is supplemental to that required coverage.

Q: What kinds of vehicles are covered? Not covered? 

A: Covered vehicles include economy through luxury class automobiles, vans that do not seat more than 8 passengers including the driver; SUV’s only when driven on-road. All other vehicles are excluded including trucks, cargo vans and expensive vehicles.  Please contact the Benefit Administrator to inquire about a specific vehicle.  

Q: What do I have to know in the event I have to file a claim?

A: You are responsible for gathering the necessary documentation to complete your claim. Please note that you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident. The required documents are listed on the claim form, and include:

• Initial Rental Agreement & Final Rental Agreement       
  
  
• Copy of your monthly billing statement showing the charge of the rental       
  
  
• Itemized list of repairs from the rental agency      
  
  
• Repair bill        
  
  
• Incident Report        
  
  
• And, if you used a business card for the rental, we also require a letter on company letterhead stating that the rental was for business reasons        
  
  
• The Benefit Administrator may ask you to provide additional information (if applicable)

Please note: This benefit is available on all Visa cards.

Product and service information at your fingertips
Cardholder Inquiry Service provides customer phone support for general inquiries and provides product or service information to all Visa cardholders.

Benefit at a glance

• 24-hour cardholder information and assistance by phone to all Visa cardholders calling from anywhere in the world, provided by Visa Global Customer Care Services.
  
• Toll-free numbers are supported 24 hours a day, seven days a week.
  
• Quick and accurate account and card benefit information.
  
• Product and service information at your fingertips.
• Customer service available in all major languages.

How it works

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.

Have a lost, stolen or damaged card? Need emergency cash?

Visa credit cardholders can get an emergency cash advance or a card replacement within one business day—or even within 24 hours in some cases—after approval. We’ll block your card (if the card number is known) and connect you to your Financial Institution/Bank.  Visa can also work with your Bank to expedite the replacement of your card and ship it globally within 24 to 72 hours. Alternatively in case of emergency, we can also arrange a wire cash transfer to your local Western Union within 2 hours of approval from your Bank.

How do I get emergency cash?

A Visa Global Customer Care Services associate (1-800-847-2911 or call one of our toll-free numbers) will work with you and your financial institution for approval and Visa will arrange a convenient location for you to collect the emergency cash. 

How do I get my card replaced?

If your card is lost or stolen, a Visa Global Customer Care Services associate (1-800-847-2911 or call one of our toll-free numbers) will work with you and your financial institution for approval and Visa will arrange direct delivery of your card to you or a collection location will be identified. 

Please note: This benefit is available on all Visa cards.

Assistance is a phone call away
Enjoy peace of mind knowing that if your Visa card is ever lost or stolen, assistance is only a phone call away.

Call Visa Global Customer Care Services at 1-800-847-2911 (within the U.S. or Canada) if your card has been lost or stolen.

• For the hearing impaired, please call 1-800-TDD-1213 in the US or Canada or 1-305-278-4285 or 1-512-865-2002 in all other countries.
  
• Toll-free numbers are supported 24 hours a day, seven days a week.
  
• Peace of mind from Visa Global Customer Care Services

When you are traveling or working anywhere in the world, your covered Visa Commercial card gets you access to a multilingual call center – 24 hours a day, 365 days a year – to help get the assistance you need. As a covered Visa Commercial cardholder, you, your immediate family members and business associates who are traveling with you can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. You are responsible for the cost of any services received.

The following services are offered:

• Medical Referral Assistance provides medical referral, monitoring and follow-up
• Emergency Transportation Assistance arranges for transportation under medical supervision
• Emergency Message Service can relay emergency messages for travelers and is available 24 hours a day
  
• Prescription Assistance and Valuable Document Delivery Arrangements can accommodate unexpected prescription needs or transport critical documents (e.g. passport or travel visa) which may have been left at home or elsewhere
  
• Legal Referral Assistance can arrange contact with English-speaking attorneys, U.S. embassies and consulates and bail-bond assistance
• Emergency Ticket Replacement arranges for the replacement and delivery of new tickets and assists with ticket reimbursement procedures
• Lost Luggage Locator Service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage
• Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available
• Pre-Trip Assistance provides information about health precautions, weather reports, currency exchange rates, visas, ATM locations and immunizations

Easy access

Call the Benefit Administrator at 1-800-992-6029 (outside the U.S., call collect: 1-804-673-1675) to get your questions answered. Travel Emergency Assistance Services is provided on a best-effort basis and may not be available due to problems of time, distance or location.