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Car Hire Excess Reimbursement

We are hiring a car from Geneva Airport and I am confused with regards to what we should be paying for. The car hire includes Third Party Insurance and there is the option to add LDW however we have taken out a separate Car Hire Excess Reimbursement (CHER) policy, do we need the LDW as well?? We have contacted SIXT and the company we have the CHER with and we are still confused.
We don't want to pick the car up and be charged for stuff we don't need.

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