Has anyone taken out their own insurance policy for excess insurance from a standalone provider and not taken the car hire company's excess policy? We have a car booked through Thomas Cook (who use Alamo) and they want £400 for the excess insurance policy. They are saying if we use our own policy we will liable for a range of extra charges including Airport handling fee, Airport operating fee; also LP and CDW even though these are covered by our standalone policy. Any advice would be much appreciated as we are undecided what to do. Thank you.