Be aware these excees covers only cover genuine damage in my opinion not an option for shady practices of the european holiday hire car companies.
I got charged 250€ for a tiny less than a stone chip mark on a very scruffy Yaris in Spain. We thought we picked up scuffed alloys, bumpers and dented doors but let the bonnet as unmarked on the collection inspection. Chances are it was already known about and a ‘trap’ by the hire car company.
Claimed on my excess insureance and they refused payment because the damage was not significant and not actively casued by any carelessness or wrong doing by me. Fair wair and tear effectively.
I take out hire car company provided cover now the lack of stress about damage and their fear of charges is worth the cost. I literally can collect a car, not inspect it other than a cursory check and then return it free of worry.