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American Express card for car rental with AutoEurope or Kemwel?

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HELP! My head is spinning from reading too many policies, options, waivers, and fine print....

We're planning on renting a car while in the south of France (our first time for a car rental) and have been looking at the AutoEurope and Kemwel web sites (Kemwel comes in just a bit cheaper). I remember reading somewhere on this forum that using an American Express card for the car rental gives you extra car rental insurance.

Is anyone familiar with the Premium Car Rental Protection (for $24.95) which is offered by American Express? If I use the AE insurance, does that mean I can choose a car option with limited or no insurance, as offered by AutoEurope or Kemwel? I would like a zero (-0-) deductible policy that covers any and ALL problems with the rental car.

Robyn :)>-

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