Call me overly risk averse, but I've been wary of using codes that "include LDW". I can see that aspect negating the credit card insurance (that requires one to "decline" insurance) and, if later challenged on use of the code, becoming reliant on own insurance. When someone "has never had a problem" that sounds like "I've never gotten a ticket for speeding but do it all the time." Does anyone have knowledge if credit card insurers view the "decline" requirement being met even when the rental was initially with a LDW included code? In the past, ezmoney noted that if pressed Avis can provide quite a history to the insurer.