Some desks have a warning notice in your language to press the point.
If you have an accident, or the car is stolen you will be charged the policy excess, the rental policy normally includes this notice:
As per rental agreement you are responsible for any damage or theft. Your rate includes Collision Damage Waiver (Excess Applies) and Theft Protection (Excess Applies), so your responsibility in case of damage or theft is limited to an excess amount from €1100 to €4000 in case of damage and from €1700 to €4000 in case of theft. These amounts vary according to driven car and will be communicated at time of pick up, when you can also buy our SUPER COVER to CANCEL your damage and theft excess.
At this point panic sets in as the prospect of a debit of up to 4000 euros if you have an accident!
Now comes the hard sell........We have a Super Cover Excess Waiver policy. for only 27.98 euros per day (Hertz Rentacar) you can have complete peace of mind and avoid any excess charges for both accident or theft! Shall I add the cost to your credit card sir?..........
You can purchase a policy, on-line before you travel, to cover unlimited car hirings over a 12 month period from http://www.travelsupermarket.com/c/cheap-car-hire/buying-car-hire-excess-insurance/........the cost £35.99 including all taxes.
Just show your policy document at any hire desk in the Uk or Mainland Europe and politely decline their offer!