Originally Posted by
dgordon
Only the Diner's Club card is primary when it comes to car insurance and yes, you must decline their insurance (at least not agree to anything extra)..
Not true.
For international rentals, all cards have primary coverages but with limit of value and duration of rental and exclusion of certain countries. Australia and New Zealand are excluded because they have no-fault policies and the car rental rates have mandatory insurance portion in it. (Visa has vague language about New Zealand). Italy, Northern Ireland, Israel are excluded, off the top of my head. You have to check the cards for a complete list of exclusion.
For domestic, if you dont have own car insurance policy, the card coverage becomes primary. They also have limit of value and duration of rental. We had hail storm damage at Yellowstone NP and Mastercard coverage paid for $22xx damage repair.