I doubt if there's a difference here between the Dutch and the French. Typically, when you rent a car in Europe the liability insurance will be provided with no need to do anything else. And, Scubaman makes a good point above. Many (not all) credit cards will provide some level of CDW (Collision Damage Waiver protection) on a rental vehicle regardless of where you rent it. Cards such as the Chase Sapphire do for sure. Also, some rental car agencies include the CDW right in the rental price at no additional cost. They probably built this cost in to some degree, but when shopping online for a rental car it's smart to pay attention to this detail. Should you want or need to buy collision coverage, never pay more than 15 euros per day (or $18 USD) for this. Amounts higher than this and you're paying too much. But, for the basic liability insurance coverages -- bodily injury liability and property damage liability -- you don't need to do anything.