Do Southwest Cards Have Car Rental Insurance?

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Should you’re contemplating signing up for one in every of Southwest’s airline bank cards, or maybe you’ve lately turn out to be a cardmember, chances are you’ll be perusing card advantages and questioning, does my Southwest bank card have automobile rental insurance coverage? It’s a sound query and there’s excellent news: Sure, Southwest bank cards do include automobile rental insurance coverage. Right here’s the lowdown.

The way it works

Southwest bank card rental automobile insurance coverage covers occasions comparable to:

  • Loss-of-use costs from the rental firm.

  • Towing that could be the results of an accident or break-in.

The rental automobile insurance coverage that comes with Southwest bank cards is secondary protection generally, which implies it dietary supplements your main auto insurance coverage coverage. You probably have private auto insurance coverage, that coverage would pay out first within the occasion of a declare. Your Southwest bank card insurance coverage might reimburse you on your main insurance coverage deductible, administrative prices charged by the automobile rental firm, and “cheap” towing costs that your main insurance coverage doesn’t cowl.

Should you don’t have private auto insurance coverage or another insurance coverage, the Southwest rental automobile insurance coverage reimburses you for coated theft, harm, administrative prices or loss-of-use costs imposed by the rental firm, plus cheap towing costs that occurred when you have been liable for the car.

Should you’re renting a automobile outdoors your nation of residence, your Southwest bank card’s automobile rental insurance coverage will probably be your main protection and can reimburse you for those self same bills — theft, harm, administrative prices or loss-of-use costs imposed by the rental firm, plus cheap towing costs.

Obtainable bank cards and their phrases

Questioning which Southwest bank cards supply automobile rental insurance coverage? Excellent news: All of them do, private and enterprise playing cards alike. So it’s merely a matter of selecting which card is best for you.

Southwest Speedy Rewards playing cards with automobile rental insurance coverage


The playing cards all include the identical primary phrases, that are vital to think about earlier than counting on bank card protection to guard you and your rental automobile.

It is simply as vital to know what’s not coated as it’s to know what is roofed. What’s not coated? Occasions comparable to:

  • Injury to a different driver’s automobile within the occasion of a collision.

  • Prices associated to accidents.

  • Injury to any gadgets not in any other case coated, comparable to baggage.

  • Theft of private belongings.

  • Damages arising from reckless utilization like off-road driving.

You’re additionally solely coated for rental intervals as much as 31 consecutive days, so preserve that in thoughts when renting a car for longer intervals of time.

Not all automobiles are coated, both. Exclusions embody high-value automobiles, bikes and high-capacity vans.

You will need to use your Southwest bank card to pay for all the price of the automobile rental as a way to profit from the cardboard’s insurance coverage protection.

Easy methods to make a declare

Have to file an insurance coverage declare in your rental automobile after a collision, theft or harm? Right here’s tips on how to use the rental automobile protection that comes together with your Southwest bank card:

  • E-book and pay on your complete rental utilizing your Southwest bank card.

  • Whenever you lease the automobile, decline the rental firm’s insurance coverage and harm waivers. Accepting them will make your Southwest bank card protection void.

  • Within the case of theft or an accident, gather copies of all accident and police experiences and take pictures of any harm if relevant.

  • Name the Southwest bank card advantages administrator inside 60 days of the incident to begin the declare course of. The quantity could be discovered in your bank card assertion or on the again of your bank card.

  • Submit any required paperwork, like restore payments, alongside together with your declare. The advantages administrator will present a listing of what is wanted.

  • In case your declare is accepted, settle for any declare funds.

After an accident, file your insurance coverage declare as quickly as attainable. Ensure to have all crucial paperwork postmarked inside one year of the incident.

When to think about including further insurance coverage to your rental

Every now and then, the secondary insurance coverage obtainable together with your Southwest card will not be sufficient. For instance, you might have considered trying further protection should you’re renting an vintage or extremely luxurious car like a Ferrari, or should you’re planning off-road adventures in 4WD automobiles. Should you’re uncertain if the Southwest protection will probably be sufficient on your state of affairs, check out the rental automobile firm’s insurance coverage to see if it presents extra protection and peace of thoughts.

Should you’re contemplating reserving a rental automobile together with your Southwest card

For many vacationers, the automobile rental insurance coverage obtainable together with your Southwest card will probably be greater than enough to cowl the incidents you would possibly encounter whereas cruising the highway. However as with all insurance coverage, be certain to learn the phrases and circumstances, know the steps to file a declare, and be clear on what’s and isn’t coated.

Easy methods to maximize your rewards

You need a journey bank card that prioritizes what’s vital to you. Listed here are our picks for the greatest journey bank cards of 2021, together with these greatest for:

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