The standard benefit requires the cardholder to reject CDW offered by the rental car company. In some countries it is not possible to reject CDW, but the rental car company CDW coverage may have a high deductible. The Premium product does not have this requirement. Both the Premium and standard benefits exclude rentals in some countries., While I have not personally experienced the opposite side of the coin, my understanding is that if you decline their CDW, you have to pay full price on the spot for damage repairs and then sort it out (reimbursements) when you get back home with your personal insurance. For piece of mind I suggest get the CDW over there to be safe., Asus Maximus Z690E i9 12900KS GSkill F5-6000U3636E16GX2-TZ5RK Samsung 980 Pro Corsair AX1600i, If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase CDW insurance.If you have an accident, the rental company will charge your credit card for the value of the damage (up to the deductible amount), or, if the vehicle is stolen, the value of the deductible associated with theft., CDW is legit, been around for ages. As everyone said they're focused more on selling to small/medium businesses but they do consumer orders. The problem is CDW reportedly told another forum member that they are backordered until Thanksgiving-ish unless their suppliers increase shipments., However, the CDW will have an excess/deductible, which varies between the equivalent of several hundred to a couple of thousand USD, depending on the type of car. You can usually pay a daily fee to reduce the deductible to a couple of hundred dollars and possibly a higher daily fee to reduce it to zero..