Benefits of UK platinum charge card travel insurance:

"Loss damage waiver. Top-up liability. Excess reduction. Personal accident insurance. We've all been there, wondering whether or not to pay for these additional insurances.

As a Platinum Cardmember, you can politely decline them all, as they're already included in your travel insurance benefits (in fact, there isn't even an excess to pay with our policy).

Just to be clear, you can drive away in any car you like, with a maximum replacement value of £50,000, from any car rental company in the world."