I've never seen a no-annual-fee card that covers loss of use though. No-annual-fee card damage waivers are also typically secondary to your personal insurance (

I've never seen a no-annual-fee card that covers loss of use though. No-annual-fee card damage waivers are also typically secondary to your personal insurance (meaning you have to make a claim and your rates could go up), while the CSP's insurance is primary so your personal insurance is not involved at all.