Originally Posted by Happy

You can go by the value of the car - if the value is above the card's coverage benefits, you can safely conclude the car is not covered.

Unless you rent the upper market in Europe, the standard and full size cars should be within the range of the limit of covered value.

For that matter, Citi's Premier would be much better. You are covered as an AU as long as your name is embossed on the card. This applies to Visa and AMEX as well. Used the card with your name embossed on it, whether you are primary holder or AU, you are covered.