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Rental Car Insurance

Hi,
Brand new here. We’re Canadians off to Portugal soon and are renting a car. We did it through Zest. We can’t decline the CDW so my credit card insurance doesn’t cover the extras like tires, windshield, etc. And we’re not finding a lot of third party insurance that covers Canadians. Any advice?
How much is the top up insurance at the rental places on average?
TIA
Kev

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