We hire a car in Portugal a couple of times a year for the last few years and thankfully have never had any accidents or problems. But it has always been a concern to us regarding the excess cover . We always ask for full excess cover with the company we use but if anything happened we wonder what full excess really covers when dealing with foreign companies. I have been looking at websites regarding buying annual cover for such incidents and am none the wiser. I have looked at threads on this site but would appreciate any input or recommendations to steer me in the right direction.