Originally Posted by
marcopizzaiuolo
Yes, in many parts of Europe you cannot rent a car without the provider minimum cover. This is therefore part of the basic price paid for rental and cannot be removed, so you are perfectly fine with UK issued Platinum or similarly issued EU Platinum cards. Apparently US issued Platinum have different Insurance terms and may not cover you in places where the rental company's CDW cannot be removed.
The Insurance included with Amex UK will cover supplemental liability which is sold as a separate cover by the car hire companies (e.g. if the car is written off or stolen the Supplemental liability is the €1500 excess you have mentioned, and that Car Rental company can sell you additional covers for it)
Thanks for taking the time to respond, really appreciated. I was 99% sure I was covered until the car got dinged which it then plummeted to 20% lol. I did speak to Axa about the situation but it’s always quite vague “You should be covered” and then emailing me T&Cs which I was already aware of and unable to log a claim without a quote / invoice. I do wish this was a little clearer though.