This AMEX product provides PRIMARY coverage unlike the rental car products offered by most other AMEX cards. Afaik, DC is the only other card to offer PRIMARY coverage

Primary coverage is of no use to me as I don't own a car. Consequently in my case, any standard credit card rental car coverage becomes primary.

However, this product does have other benefits which are valuble This covers more car types/models for a longer rental term than standard card rental car coverage.

Plus it is a flat fee rather than a daily charge and can be activated (or not) at will. There's no regular membership fee. the flat fee kicks in only when you use a card that has been registerd with this product.

That said, I've yet to ever use/sign up a card for this product but would seriously consider it depending on my rental needs.

Finally there are several threads on this topic in this forum, the "Other CC"forum as well as in MilesBuzz.