In reply to Jim 1003:
Not in my experience. I've been using Insurance4carhire for over 10 years and have had to make 4 claims, one where we failed to notice pre-exting damage on picking the car up and Goldcar charged us when we returned it, one for two burst tires when we hit a pothole, one when I backed into a tree stump in long grass in the African bush,and one for a replacement window when thieves broke into the car in Spain.
In every case they refunded us without quibble and have not raised the premium.
I can't speak too highly of them. You must, however retain all the paperwork to make the claim.