I currently have annual cover with Columbus Direct, and the t&C always seem fine, but I now have my plat card when this policy runs out I'm thinking of saving the cash and using the Amex insurance instead.

What do people think of the policy, is it enough cover for travel? - I'm rubbish with insurance. I know its better than their gold insurance which really is just a token gesture but is its level of cover worth not paying for one?

Dean