I used to take full insurance (usually with AutoEurope) for "peace of mind". But then a phone rep from AutoEurope actually talked me out of it once renting a car in the UK asking me "doesn't your credit card take care of all that?" Indeed it does. But the kicker is that sure enough, that trip we totaled the car in a wreck! If we had taken the "full insurance" from AutoEurope we still would have had a deductible of several hundred dollars and various other items would not have been covered -- like removal and "storage" of the wrecked car", transporting us to our next destination, and other matters. The bottom line was that our credit card paid every penny of expence, but the "full insurance" from the rental car would have still cost nearly a thousand dollars PLUS the cost of the insurance itself! And to get your credit card to pay you MUST DECLINE all optional insurance with the rental car company. Now I know, to take ONLY required insurance and leave the rest to my credit card.
Oh, and by the way -- such a wreck or claim will have NO affect on your own car insurance -- they weren't even notified as it has nothing to do with them.
Source: http://www.fodors.com/community/europe/rental-cars-insurance.cfm
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