I think quite a few of us rent cars on a recurring basis. If you do, there are basically only two options the rental companies give you:
– Buy total damage coverage from the rental company (quite expensive, 5-15 eur per day), with no excess amount. This means in case something happens to the car, you don’t pay anything.
– Leave a deposit (800-2000 eur), which they will return to you once you return the car, deducting money if there was damage to the car.
Most frequent renters go for option 2, but we buy Excess Insurance separately. This can be found for 50-70 eur per year. You still have to leave a deposit when renting, but the insurance will reimburse you if you don’t get the deposit back.
I personally rent a lot, and I think most travellers do too, so I think it would be a nice incentive for the Premium card, if feasible. Personally I’d like it more than the health insurance thing, because most of us already have health coverage.