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    What "fine print of the rental agreement" have your reviewed? You don't mention a Loss Damage Waiver (LDW) or Collision Damage Waiver (CDW). Those are often separate from the normal rental agreement. Commented Aug 3, 2015 at 14:21
  • @alx9r Edited. After ALL available waivers etc. Put it in a Billabong for any reason and you'll be VERY sorry. Commented Aug 3, 2015 at 14:57
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    Well we don't really do recommendations but the UK American Express Platinum Card car insurance benefit covers everything worldwide, except you being sued by the other passengers. The card does come with an eye-watering £450 annual fee though: "If Your rental vehicle is stolen or damaged, the Insurer will pay any amounts You are responsible for under the rental agreement, including the excess. This will apply whether or not You are responsible for the accident. You will be paid no more than the value of the rental vehicle up to US$/􏰂75,000 in respect of any one accident or occurrence." Commented Aug 3, 2015 at 16:23
  • Related: travel.stackexchange.com/a/27343/9009 Commented Aug 19, 2015 at 17:43