Does credit card car rental insurance claim count on your insurance file?

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I was looking for a no fee credit card that includes car rental insurance as I rent a few times during the year but was wondering if ever there is a need to claim would this claim show in my personal insurance file? Or since it's going through the credit card insurance it wouldn't show under my personal insurance?

I ask because if I need to claim and it still affects my personal insurance claim history, I assume there is no point to use a credit card for the insurance and just use my personal insurance?

Thanks

Posted May 28, 2026, 10:57 AM UTC

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