If you plan to use a Credit Card or a Travel Insurance Policy Rental Car Upgrade to pay for CDW insurance, you must read this. ALL Credit Cards AND Travel Insurance Policies with a Rental Car Insurance Upgrade EXCLUDE CERTAIN COUNTRIES FOR COVERAGE. IRELAND IS OFTEN ONE OF THE EXCLUDED COVERAGE ONES. You must read the fine print or call the Credit Card Company and/or Travel Insurance Company, and have them show you in the policy or credit card agreement the language involving this. They treat Ireland sometimes just like car rentals in Afghanistan or Yemen ! Really. Know before you go !
I bought a Car Rental Insurance upgrade on my Travel Insurance last year only to read today that Ireland is excluded. I know that Delta American Express Platinum card does NOT exclude Ireland. I don't know about other AmEx cards. And Visa cards are all different.
Your other choice is to pay the high CDW rates from the Rental Company. But, if you purchase any CDW insurance in whole or in part from the car rental Company, your AmEX coverage is completely VOID. For AmEx you MUST decline Car Rental Company CDW insurance You can also purchase AMEX supplemental car insurance on a per individual rental basis $19.95-24.95 (entire rental period not per day). AmEX insurance DOES NOT include Liability insurance. Liability (only) coverage usually is included in the car rental price.
If you just don't bother taking CDW at all and get in an accident you basically bought your rental car and your own injuries and death costs !
Remember folks. In the US your Auto Insurance on your own car probably covers your CDW in the US and it's territories (Liberty Mutual I know). But, overseas, you have 0 coverage on your US car insurance as far as I know.