well dims is correct about wot he is trying to argue..
i agree with dilesh but depends on the need. we've had a rent a car some years back and and yeh. all were full insured. it had to be.
we 've had couple of cars since then which we used to full insure and drive but after some years we tend to think WTF! 'cos never ever nething got crashed or damaged, once was but it wasn't the fault of us and dat woman paid for the job. if you DO drive gud.. you may rest with a 3rd party i guess.
talking about companies.. 3 months back my friends Honda met with a accident/drunk(insuarence never knew) front glass, 2 doors, hood, bonnet, under and many which cost about 475,000/- and BELIVE me Janksti paid whole sum. whop. i am not sure any other company would pay such an amount, i dunno..
F****** P*** must be gud and J*******i..