At least on my Amex (looks to be the same for Platinum also) it provides coverage for car rentals but exempts cargo vans and the like, as well as some other cat

At least on my Amex (looks to be the same for Platinum also) it provides coverage for car rentals but exempts cargo vans and the like, as well as some other categories such as commercial/hire vehicles, older vehicles, limos and recreational/off road vehicles.