Thanks for the update,

I always thought the insurance package of the Visa card is not at all comparable to the Amex Centurion card. So far this has been the reason for using it more often than Visa although the MR points are worthless.

There is 250 EUR "Selbstbehalt" on car insurance on the Amex. But accident, health, luggage and travel cancellation insurance is fair.

Hopefully one will never have to use any kind of insurance. That is more important.