With the AXA Damage Refund Insurance you do NOT need to buy additional insurance at the desk.
If there is damage to the car or it is stolen, the car hire supplier will keep the excess to cover the costs, which you can claim back in full with Damage Refund Insurance.
What's covered
Damage & theft excess refund
Tyres, windows, mirrors & wheels
Roof, undercarriage & misfuelling
Administration charges
Key cover & personal possessions
This policy is underwritten by INTER PARTNER ASSISTANCE SA, member of the AXA Assistance Group, Avenue Louise 166, 1050 Brussels, Belgium.
This insurance is the most comprehensive available and likely to be cheaper than any insurance offered at the desk.
A copy of the full policy can be viewed here:-
[link]