Although I saw the words on the T & C's the rep told me that all OR part have to be charged to the card so taxes would trigger insurance. I got them to document it and got the reps. Name and ID.
It's a pathetic insurance. $100 per pay for a Max. Of $500. That means of you're delayed one day you only get $100
But you don't have to keep on going back every day for 5 days to get the $500. You can buy $500 and if it gets delayed 3 days for example you get $300