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Auto Rental - Excess Insurance

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I've started researching car rentals for our trip to Australia. We will have 4 separate rentals during our 6 weeks in Australia. The price of the excess insurance is quite expensive. I've looked at alternatives (www.tripcover.com.au & what vroomwroomvroom offers) to using the car rental company and while less expensive, still it adds a hefty amount onto our car rental fees. Read the gobbleygook with my Sapphire Visa card & it doesn't sound as if its covered. What have others done regarding this excess insurance?

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