score:6
Unfortunately, this is most likely not possible to decline CDW at Europcar and get a better price. Like discussed this question about protection depending on the booking website, pricing of rental cars is pretty opaque. Depending on your residence country, on the rental company, on the location, and some possible other parameters (like temporary offers), the protections that are included in the base price may change. This does not mean that if the protections change, the price will change (in the linked question, if you book in the UK or in the US, the price is the same, but one has more protection).
In the specific case of Europcar, its FAQ mentions that CDW/LDW is usually included if booking from its UK website (you can search the FAQ for another website):
A UK quote generally includes road tax, third party liability cover, VAT, CDW & TW
So if you want to get the better price without the CDW coverage, you should compare the different rental companies' offers without the CDW. I.e. it does not mean that if Europcar has the best price with CDW for your search, it also has the best price among all offers without CDW.
Upvote:2
It really depends on the country, in places like Italy CDW is mandatory so there is now way to decline it. You first have to check the legal requirement for the country where you want to rent, then also call your CC or Mastercard and ask for clarification about their policies.