U-Haul Rental Coverage With Chase Sapphire Preferred Insurance

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Driving a U-Haul rental is always hectic, and purchasing their travel insurance is another costly add-on to your bill.

So rather than spending dollars on getting their insurance on every move, how about having a credit card that covers the damage in case of an accident?

Today, this guide will talk about Chase Sapphire and its coverage for U-Haul rentals.

Nobody has seen the unfortunate future, and accidents can happen to anybody.

Having insurance that covers your damage gives you another level of peace of mind.

All your questions will be answered, with the main one being whether Chase Sapphire covers U-Haul rentals or is it for only rental cars.

In this blog, we will discuss Chase Sapphire’s coverage for U-Haul rentals. How does it work for different rentals, and how can you take the maximum from this travel coverage in the worst scenarios?

How does credit card coverage work for rentals?

Having a Chase Sapphire credit card is a goldmine. Isn’t it? You can get access to many perks, such as having discounts on dining and travel insurance.

But the travel insurance is worth it only if you know how it’ll give coverage to you in those scenarios.

You might have a Chase Sapphire credit card in your wallet but haven’t utilized its travel insurance perks yet. The sole reason is that you don’t know how it works.

Credit card rental coverage would be most useful to you when you unfortunately get into an accident.

Coverage of travel insurance varies for different credit card companies and issuers. Precisely, we will talk about Chase Sapphire’s coverage for U-Haul rentals.

Let’s get going. We will explain how the Chase Sapphire gives coverage for U-Haul rentals, as you need more travel insurance when driving a U-Haul loaded truck with your heavy belongings or towing a U-Haul trailer behind your car.

Chase Sapphire rental coverage details

Chase Sapphire credit cards are leading the way for frequent travelers. The case is the same for their Chase Sapphire Reserve and the affordable option, Preferred, that they launched later.

Whether you are looking for luxury perks or want to enjoy your traveling at an affordable range, Chase Sapphire has got you covered with plenty of options.

Chase Sapphire Reserve card.

  • Best for frequent travelers who want to enjoy high-value rewards and perks.
  • Annual fee: $550

To be honest, the annual fee doesn’t seem to bother the cardholders as they get the rewards for having it.

  • The cardholders can earn chase ultimate rewards on dining and traveling.
  • Covers for all rentals, precisely up to $75,000 and gives coverage for theft and collision damage waiver (CDW).
  • You can also enjoy the perk of $3000 in case of any loss of personal belongings or luggage.

Chase Sapphire Preferred card.

  • To get started, it is a great option for beginners who travel less frequently and are giving a try to the credit card company.
  • Annual fee: $95
  • Provides collision damage waiver. The CDW coverage will equal the actual cash amount of the rental.
  • Provide primary coverage. Both preferred and reserve will come in use before your auto insurance.

Chase student freedom card

Have you heard of the best credit-building system for students?

  • Annual fee: $0.

The main perk is the zero charges annually, making it more accessible and convenient for students.

  • Offer secondary coverage, unlike Reserve and Preferred, which means the Chase insurance will come into use after the student’s auto insurance.
  • Chase student card gives up to $6000 for the cancellation of an eligible trip and also offers a collision damage waiver.

Besides these credit cards, Chase has some for only business usage but we have precisely focused on the most commonly usage and favorites one.

Eligibility for Chase Sapphire and U-Haul

U-Haul rentals are available in trucks, trailers, and cargo vans in various sizes.

Most frequently, they are used for moving purposes, either in-town or one-way moves.

But now, in many instances, they are breaking the traditional norm of using rental cars for trips or picnic purposes.

You just need to calculate correctly for your trip and use them in the best way to get the reduced prices, and you are good to go for any trip.

To be eligible to drive a U-Haul, you have to fulfill the following criteria:

  • Age. Compared to the traditional rental cars, whose minimum age should be 25 years, U-Haul has kept the age limit less.

To drive a U-Haul truck and trailer, you should be 18 years or older.

  • Driving license. You need to have a driving license in the US or Canada to drive a U-Haul vehicle.

Besides having a license, prior driving experience is strictly required for driving a U-Haul truck.

  • Payment. Credit card payments are accepted for renting a U-Haul.

Moreover, the card should be in the name of the person renting the vehicle.

Eligibility for Chase Sapphire credit cards.

To make a payment from a Chase Sapphire card for renting a U-Haul vehicle, you need to have the following eligibility criteria.

  • Payment will be made in the name of the primary cardholder.
  • When U-Haul asks for opting the rental company’s CDW, decline it and tell them about having the Chase Sapphire travel insurance.

Benefits of using Chase Sapphire card for U-Haul payment

Making the payment with a Chase Sapphire card can serve you a lot of benefits.

  • Not paying separately for the protection of U-Haul.

We wouldn’t recommend to anybody to drive a loaded U-Haul truck without having insurance.

And the protection for rental companies costs you a lot when the miles are put up together. The coverage varies according to rental companies.

  • Get the primary insurance coverage with Chase Sapphire Reserve, so you have to pay a lower deductible as your auto insurance will not be needed.

Chase Sapphire can help as secondary insurance if your primary auto insurance doesn’t provide the coverage.

  • Enjoying the travel rewards

You can earn points for making the payment using a Chase Sapphire card and get free miles for your future travels.

  • The cardholders can have an experience of renting some elite car rental companies.

To see the list of companies in this category, log in to your Chase account and go to the section for specific car rental privileges.

Note: The perks may vary due to the card types, so check the agreement of different cards for details.

What will come under Chase Sapphire coverage?

Having credit card insurance is always beneficial, and that too when it’s Chase. But knowing its coverage and exclusions is as important as having it.

Chase Sapphire rental car and travel insurance covers the following charges:

Collision damage waiver.

Chase Sapphire Reserve and Preferred both come with the benefit of providing primary auto coverage, and you can decline the rental companies offer for the costly CDW.

This coverage is not for all vehicles and locations. So, confirm this before your trip or move.

Trip cancellation and interruption.

In any case beyond your control, the Chase credit card will provide coverage for the cancellation of the trip, hotel, and any pre-travel charges you have already paid.

Emergency medical and dental coverage.

Only cardholders with Reserve will be eligible to get this coverage. Roughly, up to $2,500 charges are covered for the treatment.

Loss of life coverage.

Both Reserve and Preferred cover for the loss of life by providing the beneficiary amount.

Chase Sapphire Reserve gives up to $1 million. On the contrary, Preferred credit card covers up to $500,000.

Limitations of Chase Sapphire Travel coverage

Every credit card isn’t only about benefits and coverages. Right? Each has its own policy of what will be included and what will not.

The perk is knowing the restrictions before the unfortunate time so you don’t panic at that time hearing about this exclusion but rather already have a secondary option prepared.

Not everything is covered in the Chase Sapphire Travel Insurance.

  • Vehicle type. The coverage is excluded for specific vehicles such as SUVs, cargo vans or passenger cars with 9 people.
  • Age range. If you are inexperienced and below 18 years and are usually involved in accidents, the coverage will be denied for you, considering it your fault.
  • Doesn’t provide liability coverage; you’ll need your own insurance to treat any injuries to you or the passengers when the fault is yours.
  • Geographical restrictions will be applied, and the coverage will not be available worldwide.

Note. Whichever credit card you have, read its cardholder agreement to confirm your deductibles, coverage details and the limitations applied.

Confirmation of coverage before renting the vehicle at U-Haul

Before making any moves to rent the truck, verify the extent of coverage by contacting Chase Sapphire. Follow this guide to confirm the coverage of your credit card.

  1. Contact Chase Sapphire via email or phone number given at their official site.
  2. Share your card number and information with the authenticated members only.
  3. Share the details of making the move with U-Haul or other rental company.

Including the location, vehicle size, days of renting it and the date.

4. Ask for the details of the coverage about U-Haul rental.

Considerations before opting for Chase credit card coverage

There are some factors that you should keep in mind before opting to rely on Chase Sapphire coverage.

Type of credit card.

Not all cards provide primary insurance coverage. Some will kick in after your primary auto insurance.

We’d always recommend paying with your Chase card only if you have their Preferred or Reserve credit card.

Also, re-check your credit card terms for the coverage.

Look into your insurance.

If your auto personal insurance gives primary coverage, verify its details and deductibles and estimate how much you might pay.

Consider the U-Haul auto insurance.

If you don’t want to rely on Chase Sapphire coverage, you can also opt for the coverage that U-Haul provides.

The charges will vary according to the type of insurance chosen. Typically, U-Haul offers Safe Move and Safe Move Plus insurance.

You can look into their details by visiting the site U-Haul/DamageCoverage.com

Some alternative options offered by U-Haul insurance policy:

  • Collison damage waiver.

CDW gives coverage for even pretty bad accidents and collisions. But it could be expensive as it doesn’t include any other coverage.

  • Medical coverage.

It will cover emergency medical expenses for the renter and the passengers.

  • Goods or cargo coverage.

U-Haul auto insurance will provide coverage for any loss or damage to your belongings. The amount is equivalent to the value of luggage.


Having credit card coverage before making your move or trip plays an essential part in giving you peace of mind.

We have taken you through the complete details of the coverage options provided by Chase Sapphire for U-Haul rentals.

Lastly, we’d advise our readers to directly contact Chase Sapphire and confirm the coverage details following our step-by-step guide.

To have a smoother rental experience and enjoy your journey with U-Haul, credit card coverage will make the way easier for you.

Spend your energy on pre-planning your journey and get the best out of it with a satisfied and relaxed mind!

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