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Car rental

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Hi just wanted a quick clarification. We are planning to hire a car for tuscany and am referring to autoeurope and kemwel websites.

Their rates are comparable However, Autoeurope mentions
Rate with following insurance package
Insurances Package Rate Includes:
Liability Insurance
Fire Insurance
Collision Damage Waiver (CDW) - with deductible
Theft Protection (TP) - with deductible
Unlimited Miles

And kemwel mentions
No insurance excess (deductible)
C.D.W. Deductible: EUR 0.00.
Theft Insurance Deductible: EUR 0.00.
Theft Insurance Coverage: Included in all rates.
Liability insurance: Included in all rates.
Liability ins. coverage: Maximum of approx. EUR 25,000,000.00 per accident.

What does "No insurance excess (deductible)" mean? Is that better?
What should I be choosing?

Has anyone had a bad experience dealing with either.

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