I always have excess insurance. I forget who I'm with though, but it's a few tenners a year compared to what they'll try and force on you.
I usually rent from Green Motion a bus stop from Luton airport and I've had some good deals from them. But they like one or two-week deals, any more and it gets really pricey. I don't know why they don't like longer-term deals but I'll be interested to see what you find. They like it if you do it on the internet and wave a printed voucher at them. Doing it on the spot is, again, pricey.
They once did a 99p/week. Fantastic, but boy or boy did they try to make me upgrade the car and take on more insurance.
One last month, Europcar, cost £125 for five days. Not fantastic by any means but I needed a drop-off in a different airport so that was expected.
And I got stung a couple of years ago. They insisted your credit card expiry date has at least 6 month from date of rental and mine didn't. They wouldn't rent me one unless I took on one of their insurance rip-off deals. I had no choice. Not happy.
And remember your N.I. number, Rentals use it to check any endorsements. That was a new one on me recently. Lucky I remembered it.
Still hope you buy one. Just let me know where leave it.
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