As the previous reply just mentioned, you are best to take out Car Hire Excess Insurance in the UK. I've just renewed ours with a company called Questor and it was around £28 for the year.
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Please see below the advice I've cut and pasted from the www.moneysavingexpert.com site on which companies to compare for the best deals.
Hope this helps.
Kind regards
Ryan
First use excess car insurance comparison site Moneymaxim*. It is covered by the Financial Services Compensation Scheme (FSCS), a Government scheme which protects your money if a firm goes bust.
Then check for special discounts
Many of the big providers offer special discount codes which can get you prices you won't see on comparison sites, so it's worth checking these too (they are also covered by the FSCS).
Eversure with 15% off. Go via this MSE link to
Eversure* and use the code EE0117MSE.Reduce My Excess with 20% off. Go via this MSE link to
Reduce My Excess*and on the payment page enter the code MSE03.Then try Direct Car Excess Insurance with 20% off. Use this MSE link to
Direct Car Excess* and enter the code MSE2101.Finally try Questor with a 25% off code. Use this MSE link to
Questor Insurance* and then the code MSE2097.