Originally Posted by
echino
I guess that coverage doesn't include CDW. That's a downside of redeeming miles for car rental. You have to either go without CDW, or pay for it, whereas CDW is included if you pay in full with a credit card.
I have roadside plus with ICBC, which costs like 60 dollars a year and includes a collision waiver and, more importantly, extends your personal 3rd party liability to when you're using a rental car. Basic insurance and no credit card includes this, so for 60 dollars it was definitely worth it. So that'd also cover you if you redeem miles and it's much cheaper than paying for it using the car rental business.