The articles talks of the problems most people experience of booking a car rental and finding essential extras and then added on like car hire excess insurance.
He suggests "One way of getting around the confusion caused by excesses is to buy an independent policy. Several companies now offer these, covering either a single hire or multiple hires over 12 months. You will pay from about £3 a day, or £45 a year, which is generally less than the amounts charged by hire car companies.
Exact rates depend on the countries you are travelling to. Try icarhireinsurance.com; Daily Excess dailyexcess.com and Insurance4carhire ; Questor Insurance; and Worldwide Insure.
These and other companies advertise on the www.insurance4car.rental.com site.
The article itself can be found Here