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Does a Chase Credit Card Cover U-Haul?

Does your Chase Credit Card cover U-Haul rentals? If you’ve been pondering this question, you’re not alone. Navigating the maze of credit card benefits can be daunting. As a seasoned financial analyst, I’ve dissected this specific query for you. In this guide, I’ll unravel the intricacies of Chase’s coverage when it comes to U-Haul. Discover the answer in the sections ahead.

Does a Chase Credit Card Cover U-Haul?

Chase credit cards do not provide coverage for U-Haul rentals. Specifically, the auto rental collision damage waiver excludes vans and trucks, which are the primary vehicles rented out by U-Haul. Additionally, for those using the Chase Sapphire Reserve card, U-Haul rentals aren’t categorized as travel, meaning you’ll earn just one point for every $1 spent on these rentals.

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While some might hope their existing auto insurance would cover such rentals, it’s quite uncommon. It’s crucial to ensure you have adequate coverage when renting from U-Haul, especially since declining their insurance means you’re taking full responsibility for any potential damages to the vehicle.

U-Haul, recognizing the need for rental protection, offers its own insurance options for customers. With a staggering 27,059,000 people having moved in 2021, the demand for reliable moving solutions is evident. 

What Does Chase’s Auto Rental Collision Damage Waiver Cover?

Chase’s Auto Rental Collision Damage Waiver offers cardholders a safety net when renting vehicles, protecting them against unforeseen circumstances. This benefit provides reimbursement for damages resulting from collision or theft for most rental vehicles, both within the U.S. and internationally. 

When renting within your country of residence for personal reasons, this coverage acts as a secondary layer, supplementing any other valid insurance or reimbursements. However, you can directly claim this benefit for rentals outside your country of residence without seeking payment from other insurance sources. 

Cardholders must initiate and complete the entire rental transaction using their eligible Chase card and decline the rental company’s collision or loss damage waiver to avail of this coverage.

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Key Coverage Details

To better understand the scope of Chase’s Auto Rental Collision Damage Waiver, let’s delve into the specifics:

  • Who’s Covered: The cardmember whose name is embossed on the card and listed as the primary renter and additional drivers permitted by the rental agreement.
  • Coverage Amount/Period: Up to the actual cash value of the rental car for vehicle rental periods not exceeding 31 consecutive days.

Inclusions and Exclusions

Navigating the intricacies of what’s covered and what’s not can be challenging. Here’s a breakdown to simplify:

What’s Covered:

  • Physical damage and/or theft of the covered rental vehicle
  • Reasonable towing charges related to a covered loss
  • Valid loss-of-use charges by the rental car agency


  • Expensive, exotic, and antique cars
  • Vehicles designed to carry more than nine people
  • Motorcycles, mopeds, and motorbikes
  • Limousines
  • Recreational vehicles
  • Any violation of the rental agreement

Claim Process

For cardholders, it’s essential to be proactive in the event of an incident. Immediate contact with the Benefits Administrator is crucial to report any damage or theft. Furthermore, a notification must be sent within 60 days of the incident, and all required documentation should be submitted within 365 days to ensure a smooth claim process.

Understanding Vehicle Types and Chase Coverage Limitations

When diving into the specifics of Chase’s auto rental coverage, it’s essential to recognize that not all vehicles fall under the protection umbrella. Chase’s coverage, particularly for cards like the Chase Sapphire, has distinct limitations concerning the types of vehicles insured. High-value motor vehicles, for instance, are typically excluded from the coverage. 

Black antique car with wooden door panels

Chase’s protection only covers exotic and antique cars, specifically those over twenty years old or not manufactured in the last decade. Additionally, cargo vans, vehicles with open beds, trucks (except pick-ups), motorcycles, mopeds, and motorbikes are excluded. If you’re considering a classic car rental or moving goods, the Chase Sapphire card’s coverage may not apply.

As the market size of the Truck Rental industry increased by 5.7% in 2022, it’s evident that more people are relying on rental services for their transportation needs.  Understanding these limitations is pivotal for cardholders. Before renting a vehicle, it’s advisable to review the specifics of your credit card’s coverage and ensure the type of vehicle you’re considering is protected.

Related Questions

Does Chase Sapphire Protect U-Haul?

No, Chase Sapphire Reserve does not provide coverage for U-Haul rentals. The auto rental collision damage waiver excludes vans or trucks, the primary vehicles U-Haul offers. Additionally, U-Haul rentals aren’t categorized as travel on the Chase Sapphire Reserve, affecting reward points.

Does Chase Sapphire Cover Cargo Vans?

No, Chase Sapphire Reserve does not offer coverage for cargo vans. The insurance coverage provided by Chase Sapphire cards typically applies to rental cars and may have restrictions on vehicle types.

Are There Other Credit Cards Better Suited For U-Haul Rentals?

Generally, credit cards do not provide coverage for U-Haul trucks and trailers. This limitation is often due to such vehicles’ size and weight restrictions. It’s always advisable to check specific card benefits or consider U-Haul’s insurance offerings.


Chase credit cards, including the Chase Sapphire Reserve, do not cover U-Haul rentals. The auto rental collision damage waiver expressly excludes vans and trucks, the primary vehicles U-Haul provides. While U-Haul offers its insurance solutions, renters must be aware of these limitations and ensure they have the necessary coverage when using such services.