The Costco Citi Card offers rental car insurance that covers damage to the rental vehicle, theft, and some related expenses, provided you meet certain conditions.
To use this benefit, you need to pay for the entire rental with your Costco Citi Card.
Make sure to decline the rental company’s collision damage waiver (CDW) or similar insurance. This step is crucial; otherwise, your Costco Citi Card coverage may not apply.
You should also check your rental agreement for any specific requirements the rental company might have.
Keep in mind that the card’s coverage is secondary. This means it kicks in after any other insurance you have, like personal auto insurance.
The coverage generally includes damages to the rental car, but it might not cover personal belongings or liability.
Always read the terms and conditions provided by Citi to understand the full scope of your coverage.
In case of an accident or theft, you’ll need to report the incident to the rental company and file a claim with Citi.
Gather all necessary documentation, including your rental agreement, police report (if applicable), and any correspondence with the rental company.
Submit your claim promptly to ensure a smooth claims process.
Being aware of these details can help you navigate rental car insurance more easily when using your Costco Citi Card.
What does the Costco Citi Card rental car insurance cover?
The insurance typically covers damage to the rental vehicle, theft, and some related expenses, but not personal belongings or liability.
Do I need to decline the rental company’s insurance?
Yes, you must decline the rental company’s collision damage waiver or similar coverage for the Costco Citi Card insurance to apply.
Is the Costco Citi Card rental car insurance primary or secondary?
The coverage is secondary, meaning it applies after any other insurance you have, such as personal auto insurance.
What documents do I need to file a claim?
You’ll need your rental agreement, any police reports if applicable, and documentation of any correspondence with the rental company.
How do I submit a claim for rental car insurance?
Contact Citi’s customer service to start the claims process and submit all necessary documents promptly.