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Capital One credit card car and personal insurance question?

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We're just about ready to rent the car for the 15 or 16 days we'll need it., probably from Auto Europe, travelling for 19 days.

I spoke to a Cap One rep, and it seems as if the coverage for both the car and personal medical, trip interruption, etc., will be sufficient. We have Cap One Aspire Travel card.

We have limited car ins. experience, and I'm concerned because I don't know the questions to ask. It all sounds great, but I don't want to miss anything. I do know I have to decline the insurance at the rental company in order to activate Cap One.

The only other time we rented a car was in Ireland, and we took all the insurance from the rental company as I know Ireland can be an excluded country, we didn't want to take any chances.

Also, I usually buy medical insurance, trip, etc. because I'm afraid NOT to!

Does anyone know of any reason NOT to go with Cap One only. Any caveats?

I am a bit of a chicken about not taking insurance from home, but I'm thinking it's ridiculous to take extra if Cap One is enough. No point in paying for the same thing twice.

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