For rentals outside of the USA, which excess protection insurance would you recommend?

[Spud_work]

As i'm sure you are aware, not all rentals around the world come with a full CDW/LDW with zero excess and many have a fairly substantial excess (around £500 in some cases).

For many years, I've used insurance4carhire, but with my annual policy about to expire, I thought I would ask people here if they have any particular recommendations of who to use. I guess that like with all insurance policies, you don't get to find out how good the provider is until you need to make a claim, so any first hand experience of people who have been in the unfortunate position of having to make a claim will be particularly welcome.

Thank you, in advance, for any suggestions or experience that is offered that will help me to finalize my decision.