Originally Posted by
Raffles
One quick clarification - you don't actually need to pay for car hire with your Amex Plat card to be covered for the insurance. You are covered anyway.
Are you sure ? Is this a recent change? I was informed by AMEX sometime back (years) that you had to use your card for the applicable insurance to be valid - ie for delayed flight, additional car hire protection etc .
When we had delayed luggage recently and wanted to claim for additional expenses AMEX informed that all purchases had to be on the card. Using my VISA/Mastercard wasn't an option.