请教一下旅游保险的Rental Vehicle Excess和租车的保险

本来是计划买peace of mind的全包的保险，就是自己不需要赔付。但是突然发现我的旅游保险包含了max1000的Rental Vehicle Excess。是不是不需要买全险，比如说最高赔付是500，如果出了意外，租车公司扣我500max, 这些可以问旅游保险赔付呢？

以下是旅游保险的条款：
If during a Journey outside Singapore, an Adult Insured Person rents or hires a
car, or a campervan
(a) from a licensed rental agency, and
(b) the rental agreement includes an excess (or deductible or similar condition) which
makes the Adult Insured Person liable for loss or damage to the rental vehicle.
We will pay up to the Limit of Amount Payable for this Section shown below if the
Adult Insured Person becomes legally liable to pay for any excess or deductible due
to loss or damage to the rental vehicle during Your Journey overseas provided that:
(i) the Adult Insured Person must be either a named driver or co-driver of the
rental vehicle,
(ii) the Adult Insured Person has complied with all requirements of the rental
agreement,
(iii) the Adult Insured Person was at the time of the accident duly licensed to drive the
vehicle and was not racing, taking part in or practising for speed or time trials of any
kind, or driving under the influence of alcohol, drugs or other substance of abuse,
(iv) as part of the hiring arrangement, the Adult Insured Person must take up a
comprehensive motor insurance against loss or damage to the rental vehicle
during the rental period, and
(v) at the time of the