Does Chase Sapphire Reserve Auto Insurance Cover Croatia?

Coverage Overview

The Chase Sapphire Reserve credit card offers secondary auto insurance for rental cars, which applies internationally. The policy typically covers the renter in the event of an accident, but it is subject to the laws of the country where the rental occurs. In Croatia, the policy can be used, but local regulations may limit liability or require additional coverage.

Policy Limits and Conditions

Coverage is limited to €50,000 (or equivalent in local currency) per incident and per vehicle. It applies to collision, theft, and damage. The policy does not cover pre‑existing damage, uninsured drivers, or commercial use. The rental company must provide a valid rental agreement and the driver must be listed as the primary driver.

Local Law Interaction

Croatian law requires primary insurance to cover at least 30,000 EUR of liability. Chase's policy is secondary, so it covers only after the primary insurer's limits are exhausted. If the primary insurer fails to pay, Chase may step in up to its maximum limit.

Practical Steps Before Driving

1. Confirm the rental agreement lists you as the primary driver.

1. Verify the rental company's insurance meets Croatia's minimum liability requirement.
2. Ask the rental company for a copy of the insurance policy.
3. Keep the Chase card, the rental agreement, and any receipts on the vehicle.

   What to Do If an Incident Occurs

   Contact Chase immediately through the 24/7 emergency line. Provide the rental company's claim number and any police reports. Chase will guide you through filing a claim and will reimburse up to the policy limit after the primary insurer settles its portion.