Keep in mind, too, I have found that the credit card insurance is always secondary to any other car insurance you have, so if you own a car and have insurance on it, that will always come first unless you buy the insurance from Avis, in which case it comes first. I know it works that way with the various AMEX cards & Visa, though I'm not sure if MC is different, as I don't have one.

I'm going to Italy early April and have a great corporate rate that does not include CDW (though does include liability and theft coverage). I found out yesterday that my AMEX Platinum Card does not provide coverage in Italy, nor does my Platinum Visa card, so my only option is to buy the CDW coverage from Avis at US$17.50 per day.