I have never rented a car in Europe before. I have found one quote, but they want several hundred pounds paid on a credit (not debit) card for an excess (on top of the rental price). I do not have a credit card, but was reading that you can take out insurance in the UK to waive this excess before you go on holiday. The only thing I am thinking is that if I take out an excess policy in the UK, when I turn up to collect the car in Portugal, will the car hire company accept the excess insurance that I have taken out in the UK, or will they insist that I have to still pay for it? Thank you.