Originally Posted by
klanfa
Sounds like your travel insurance isn't real CDW, but it's only CDW excess coverage. The excerpt you posted sounds to me like it's just for the excess and not the car itself - so it's supplemental to rental car CDW instead of replacing it.
Yup. Looks designed for Europe and (I believe) Asia, where the CDW you can buy from the rental car company typically has an "excess," which Americans would call a deductible. US CDW coverage doesn't typically have an excess/deductible.