With all the travelling I do, I take out insurance that covers me for all the cars I rent. It is without doubt the cheaper way to do things. A year’s cost is usually about the same as taking out two fully comprehensive insurances that you pay as an add-on at the rental desk when you arrive. Most car hire companies will put you on third-party insurance and then add the fully comprehensive cover when you collect the car.

By taking out your own insurance, you avoid that cost—but you have to be aware that the excess charge is usually quite hefty. Obviously, this takes away the opportunity for car hire companies to make extra money from customers, so they try to make it as difficult as possible.

To deter people from doing this, they’ve now increased the excess charge from £1,000 to £1,500. Another thing I’ve noticed on my last two visits to the UK in recent weeks is a change in how they operate when giving you your car. It used to be that, after completing all the paperwork and signing the contract, they would lead you out to the car. Once there, they’d show you around and point out any damage to the vehicle. However, on both recent occasions, they’ve stayed behind the desk and said, “Please check the car over yourself by either videoing or taking pictures and making a note of any damage.”

Basically, they’re putting the onus on you to identify any issues with the car. I’ve rented from two different companies in the UK over the last couple of weeks, and both behaved the same way. I wonder—if you do take out their insurance, do they still bother to come out with you? I’d be interested to know if this has happened to anyone else.

Now, this is fine when the sun is shining and it’s warm because you can see everything. But what are you supposed to do in winter when it’s cold, dark, and raining? If you don’t report something, they’re likely to blame you for the damage. My hunch is this is a way of clawing back the money they lose when customers don’t take their insurance. I’d be happy to be proved wrong, but the way they now ask the question at the desk, it’s almost as if they assume you already have your own cover. Still, they seem determined to find other ways of squeezing as much money out of you as possible.

It reminds me of the check-in staff at low-cost airlines who inspect whether your bag fits into those size checkers. Reports have surfaced this week claiming they receive around €1.50 for every bag they identify as oversized. I think it depends on the airline and how motivated the staff are—on my last two trips, they didn’t bother checking at all.

Low-cost airline fares and cheap car hire are fast becoming a thing of the past, if I’m honest, and it seems we’re all going to have to pay more in the future.