Insurance and excess are not the same thing
A rental can include forms of cover while still leaving the renter responsible for an excess under specified circumstances. Read what is included and excluded in the exact rate.
Deposit versus excess
The security deposit and the insurance excess are different concepts and do not necessarily have the same amount. Check both before booking.
Document the vehicle
At pick-up and return, follow the supplier's inspection procedure and keep the rental documents. Report damage according to the rental agreement.