http://www.continental.com/web/en-US...P40K&mkid=6S1B

Your Card comes with OnePass Plus Protection and Services.*

Travel Protection. You receive car rental collision-damage waivers on a primary basis, baggage delay and lost luggage reimbursement, trip-cancellation insurance, roadside assistance and more.



Also, I'm by no means an insurance expert but if someone doesn't have primary insurance, wouldn't a secondary policy become a primary policy by default?