I just use a credit card, it has built in insurance.
don't have one. 40 odd years ago I was in financial problems and ended up with a debt on a credit card, fortunately not a big one but it still took me nearly 2 years to wipe it out. Once I did, I chopped the damn thing up and swore never, ever to have another one.
have you ever tried to hire a car without using a credit card?
I rarely hire a car and the last time was 2 years ago in France. The credit card allows them to add unplanned extras to my bill - including French speeding fines that are as predictable as night follows day. Under the French system the owner of the car pays and he has to recover it from the driver.