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As for hire cars, do your homework on this one.
The rates they advertise do not include any meaningful insurance.
When you arrive at their depot, you will be offered a couple of options.
Full, comprehensive insurance with a reasonable excess... and a daily rate extortionately higher than what you were expecting.
Or... something close to what you were expecting, but with the clause attached that you pay something like the first $5k of any damage done to the vehicle.
It would be wise to receive full disclosure before you book a vehicle.
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