Some providers incentivise their agents on the sale of optional insurance products, they may try to claim that our insurance is not valid or that they do not accept our insurance. This is simply a hard sell tactic – you have no obligation to take their optional insurance so long as you leave the deposit. In the event of an accident you will pay them the excess as though uninsured and then reclaim from us (they are not a party to the insurance and do not need to accept it for it to be valid).