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When you are travelling and you rent a car, the hire price normally includes insurance covering you for accidents. However, you have an obligation to pay for the repairs needed in case the car gets stolen or damaged while it is under your custody. The amount you need to pay in case of an accident is called an “excess” or “liability”. The excess is the amount of money that the hire company will expect you to pay towards the cost of any damage the car suffers while it is on hire to you. The sums involved can be very high – up to €2,500 in some cases.You’re tired after a long flight, and it’s finally your turn at the rental car counter. The agent is pleasant until it’s time to talk about the insurance. This is the time when he will try to push the rental car’s excess waiver insurance.