Sorry for perhaps asking the obvious, but what were the insurance downgrades? I like to check that with the Nl version.

Due to the pandemic, I got difficulties to travel home and AXA has written to me that now after 120d I will no longer be insured for car rental, luggage, flights etc. I will only be insured for emergencies.
I now have a VISA Infinite card from France and they have confirmed to me that I will be insured by their schedule. VISA uses AXA as well.