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If using the MasterCard to rent a car will it cover the car for insurance? How can I get a copy of it when I rent a car tomorrow?

Answered on February 27, 2012

There are some things you need to consider before you decide to use this coverage. The MasterCard car rental coverage is secondary which means if you have your personal coverage, MasterCard will pay only for costs not covered by your own insurance.

As a rule, your MasterCard credit card will cover you if you turn down the rental car company’s collision damage waiver, you are the primary renter of the car and pay for the car in full with your MasterCard that gives you the protection.

If you want to dig into your particular situation and don’t want any out of pocket expenses, please, contact your credit card company’s rep and ask them for details, do not forget about unexpected fees the car rental company would charge you, even if you are covered with your MasterCard, like loss-of-use fees. Also, check all the terms, conditions, exclusions, limitations and requirements disclosed in the fine print such as vehicle and country exclusions, limit on rental period (for MasterCard, typically this period must not exceed 31 days), maximum coverage, and so on.

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