I've been hiring my aeroplanes out for over 30 years as well as cross hiring and leasing others. One of my four simultaneous job while working my way through my CPL was as a hire car representative. I know how it works. My hire agreements are simple and have served me well in the few claims I have had to make in the past, I have never even had to pay the excess, the hirer is fully aware of what they are responsible for.