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Rather than use the extortionate "excess cover" offered by car hire companies we, along with many others I'm sure, have an annual policy which generally works out cheaper after the first 5 days of car hire. Anyway, I submitted my first claim yesterday after a wheel lost a fight with a Portuguese road surface and the excess charge was paid into my bank today. No connection etc but I would recommend Car Hire Excess Insurance from £2.42/day | ReduceMyExcess based on this experience.