Daily van hire excess cover

I didn't know how important this insurance was until the Van I hired got into an accident. I usually take the excess car hire whenever I hire a van. On this particular day I hired a van to move houses and the van I was using got damaged when it hit a tree when I was just about to park and the damage was very noticeable. The Insurance4carhire sorted this out very fast. They actually came with a replacement van so that I could continue with my moving activities. I appreciate how fast they responded because It would mean running late with moving to have it repaired and I would have spent a lot more than the insurance I took.