My DH had the CSP several years ago. Since I also had the CSP, I did PC it to the CFF after the year. It is not likely that he would rent a car without me. I know that one never knows, but since it it not likely to happen we don't need the extra AF. If he were to need a rental without me, we would just add the insurance through the rental company, I guess. Not sure how much the rental insurance through the rental company would be, but if it happened once every two or three years, it should be less than the CSP AF - no?