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rental car/insurance/UK

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Will be traveling to England next month and need opinion on car insurance there...my credit card (Citibank Diamond Preferred Rewards) offers collision and thieft if I secure/pay with their card (which I will). My (State Farm) car insurance does not cover me out of the US. Does the CC thing work or is it a gimmick?? They also say liability coverage is included in the cost of the car rental. Should I just purchase the coverage from the rental (Hertz) car company.

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