This is personal insurance which will already be included in your travel insurance (assuming you have this, which you should!)

All car rental companies can potentially offer this to you but usually dont bother to UK residents as they know you most likely have the travel insurance.

If you are offered it and you have travel insurance you can safely decline it.

Always make sure you are not agreeing to take this when you collect your car (unless you actually do want it) as there is no way you can claim this back on your return once you have signed agreeing to take it.

In the past the car rental companies were renowned for slipping extras like this on to the paperwork, but in recent years have become much better as they know it given them a bad name. There are rare occasions that we hear of this happening, but in all cases, the total estimated charges are clearly marked on the paperwork, so never be afraid to ask if you see a charge listed that you are not expecting, or are unsure about.

With all our packages, there are no mandatory extras to pay on arrival. The only charges you should ever see are Fuel (only if on Silver with Dollar, Alamo and U-Save), Child seats if requested, California Tourism Tax if collecting from California and any other *optional* extras you specifically ask for on arrival, such as if you upgrade your car (which we advise against).