"Don't take the risk: Buy our insurance to cover your excess". And I stupidly fell for this when I booked my car in Cape Town. Minor accident - my fault - and rental company took £1900 from my account. AXA who apparently underwrite the policy won't pay because the rental company is not providing them with a sufficient breakdown of what part of the £1900 was spent on the car I hired on what on the other car (what does it matter?) - refuse to pay a penny. Holiday Autos say: "Nothing to do with us - we only make the introduction. Complete scam. If I'd paid the rental company a bit more when I hired to cover any excess on an insurance claim I would have been fine, but because I followed Holiday Auto's advice I'm nearly £2000 worse off - and no one cares.