Hello Kaye ... or should I say "Bonjour, Kaye". This was kind of my profession before I retired (that's why I'm on this forum so much these days). In France liability insurance will always be included with your rental vehicle, and the same extension of coverage would apply on St. Martin. So, you do not need to purchase additional liability coverage or higher limits of coverage. You do have the option to add collision damage insurance which would include the peril of theft. If the price appears reasonable, I would suggest adding this because the physical damage coverage you may have on your automobile insurance only extends to all U.S. states, Canada, Mexico, and all U.S. territories and possessions. Hope that helps!