Diners Club Rental Car Insurance: How good is the coverage?

The Diners Club auto insurance program can be a great way to save on your rental costs if you get into an accident. Diners Club auto insurance quotes can be your primary insurance on a rental car or cover $1,250 of your luggage. Unfortunately, if you don't currently have coverage through the Diners Club auto insurance company, you may be out of luck since the program no longer accepts new applicants.

UPDATED: Jun 3, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 3, 2022

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A Concise Overview

  • Diners Club insurance offers primary coverage on vehicles you charge entirely to the card
  • Diners Club may also be able to pay for other travel expenses like lost luggage
  • The Diners Club program is not currently accepting new consumer or professional cardholders

For those who are worried about getting in accidents in a rental car, Diners Club auto insurance might be a way to insure against that. While the applications for new cards are closed, current holders of Diners Club cards can get primary insurance on their rental vehicles.

If you don’t have a Diners Club card, there are other types of auto insurance coverage that you can get for your rental vehicle.

If you want to find Diners Club auto insurance, enter your ZIP code into our free quote tool to see what you could pay for rental insurance.

What is Diners Club auto insurance?

With a Diners Club rental insurance plan, you can ensure that you’re covered against damages to your car rental. To keep from paying the rental company for the repairs, the rental insurance will take over.

However, the way that Diners Club auto insurance works represents a slight difference from traditional auto insurance. For your car rental to be covered by auto insurance, you will have had to charge the car to your credit card.

Some of the benefits of enrolling in the Diner’s Club auto insurance program include:

  • Receive primary coverage when the whole cost is charged to the vehicle
  • Won’t need to file a claim with your insurer
  • Coverage on everything from theft to vandalism

As with any other insurance company, you’ll want to make sure that you’re meeting all the requirements before you apply. If you qualify to get rental auto insurance from Diners Club, you’ll save on the repairs you’d be charged for otherwise.

What does credit card rental car insurance offer?

While your traditional auto insurance will cover any damages to your car that you use regularly, it won’t extend to your rental car. Rental agencies may offer additional coverage on the vehicle, but this pricing model will add an extra cost each day you have the vehicle.

With the Diners Club auto insurance program, your rental vehicle will be protected against:

  • Theft
  • Vandalism
  • Collision

With this specific credit card rental insurance program, you can relax a little more, knowing that any damage to the vehicle will be covered. To qualify for the program, you will need to deny the rental company’s coverage and charge the total amount for the rental to your Diners Club card.

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Does Diners Club offer other insurance for travelers?

While the rental program might seem like a great deal, it’s only the tip of the iceberg regarding what Diners Club offers to travelers. Rental cars aren’t the only insurance program for your trip. You can also get travel tickets and your possessions covered in case of an accident as well.

Some examples of the additional travel coverage through Diners Club include:

  • Insurance on tickets purchased with Diners Club card
  • Baggage coverage up to $1,250
  • 90-day coverage for any items lost or stolen that you paid for with the card
  • Qualification of some items for an extended warranty that doubles the coverage amount

If you have a Diners Club card, you can ensure that any vacations or trips away from home won’t be ruined because of unplanned accidents. With the Diners Club card, you can ensure that everything is taken care of. Then, once you have peace of mind, you can get back to enjoying the vacation you deserve.

Where can I use a Diners Club card?

According to the official Diners Club website, the program is accepted by nearly 40 million merchants across the country. So if the business takes MasterCard, there’s a good chance they’ll be able to take your Diners Club insurance program.

While it’s nice to shop with different merchants that accept your Diners Club card, you’ll get the most value from the travel insurance and other benefits of simply using your Diners Club card.

How can I apply for a Diners Club card?

If you’re hoping to sign up for one of the Diners Club cards, you might have to wait a while. The Diners Club hasn’t been accepting new clients for their consumer-based cards for the last few years.

Furthermore, the professional Diners Club cards have also had their applications withdrawn from the website recently. This leaves no option to sign up for any Diners Club cards.

The company’s reasoning, as stated on its website, explains that applications have been removed in order to optimize the process.

How can I file a Diners Club car rental insurance claim?

If you need to file a claim on your auto insurance rental, you’re likely going through a stressful time. So to make sure the insurance claim process is as simple as possible, you should:

  • Get a copy of the claim form from Diners Club and fill it out
  • Collect any receipts for lost or damaged items
  • Provide a copy of the rental agreement
  • Get any police reports that show damages

The more information you’re able to provide to your insurer, the quicker the insurer will process your claim. Conversely, if you leave the insurer without this vital information, you may find that your claim takes much longer to process.

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What should I do after a rental car accident?

A rental car accident may be a little more stressful because it’s not your own car to repair. If you can get as much proof as possible, you stand a much better chance of getting your claim accepted.

If you get into an accident in your rental car, you should:

  • Document any damages
  • Get any other drivers information
  • Get receipts for lost items

If you’re hoping to get any costs covered by your Diners Club insurance program, you’ll need to ensure that you can prove the costs of the items that you’ve lost. If you can show proof, it will go a long way towards the Club reimbursing you for your expenses.

Diners Club Auto Insurance: The Bottom Line

If you’re looking for Diners Club auto insurance, you will already need to have a Diners Club card when you purchase a rental car. You will also need to place the total cost of the rental on your card. If you don’t currently have a Diners Club card, you likely won’t be able to get that coverage.

Since Diners Club isn’t currently accepting new clients, only people who already have a Diners Club card will benefit.

If you need to find additional coverage or an alternative to Diners Club auto insurance, enter your ZIP code into our free quote tool to see what we could pay for rental insurance today.

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