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.
The main problem with Chase's CDW terms is that they don't specify a maximum MSRP. While you
should be okay renting a car in one of the standard categories, it does open the possibility of claims being denied if one gets a higher end car without asking for it. Having a maximum MSRP listed in the terms (Diners Club/BMO, possibly other issuers) leaves much less doubt.