I thought i share this here since most times the stories I see about Amex Platinum is if its worth it.
After getting a charge back on a rental charge for a windscreen crack, i can confidently say that it is definitely worth it. Charge was about £740 so i thought the process of claiming back was going to be stressfull however after proving all the invoices, it was one of the quickest charge backs I have ever received.
Here are some things i want to clarify.
You do not need to book your rentaly car with Amex to be entitled to this, this has been a very controversial topic however following my experience which i didnt, it was confirmed to me that rental and medical insurance do not have this as a requirement.
Issue on value worth is definitely a case by case however, if you travel a lot, rent cars then this is a no brainer as quiet helpful when accidents happen.