Just a quick memo re travel insurance. The design your own policy I use has a few options, one offers car hire insurance for the excess should you have an accident with the car. The cost in my example was for 4 months worldwide (July to November) the cost was $46.41, that's not bad when you consider hire car companies offer 100% cover for X amount per day, it's not cheap, so maybe worth while if you are traveling and want to hire a car this is the way to go, could be a good saving over an extended period.
Example
Section 5E: Rental Vehicle Sum Insured: $3,000 Cover for car excess payable on Motor Vehicle Insurance, resulting from your vehicle being: Stolen Crashed Damaged And/or cost of returning rental vehicle due to you being unfit.
