For my rental in Italy I showed them at the desk I had third party insurance and didn't want any extras. I was assured I wasn't signing for any extras on the unclear, mostly Italian form. Surprise surprise... on my credit card appeared an extra charge for additional insurance and I had been given no way to opt out. Unscrupulous car rental agents exist, that's part and parcel of the industry, we have little choice in that. What we do have a choice in is which agency we use. I had hoped Holiday Autos would make an effort to resolve my grievance. No attempt was made at all, thoroughly disappointed and would urge everybody to shop elsewhere.