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Basic insurance will usually be included when you book car hire, but you'll still have to pay an initial amount (or 'excess') if you have a crash or there's other damage to the car.
https://www.moneysavingexpert.com/travel/cheap-car-hire/#excess
Is this what is actually the case and your OH has just misunderstood the matter?
My guess is that it would have been a sales spin and misunderstanding. This is why we generally only go with the main brands now. But that wasn't viable this time.
Either way it's done. But I now want to be sure that the annual excess I have in place is sufficient.
hugo7
You purchase an indemnity policy from an insurance company. Usually you buy this through the hire company. It's unusual for the policy recommended by a hire company to exclude all theft claims, but many motor insurance policies exclude certain theft claims under a variety of circumstances, all of which boil down to the driver made it easy for somebody to steal the car. Is this what is actually the case and your OH has just misunderstood the matter? The ombudsman can be pretty harsh on insurers who don't give sufficient prominence to such exclusions when selling policies, so it's possible that the hire agent has gone to the other extreme and over-egged the pudding.
Relevant Finnemore: https://www.bbc.co.uk/sounds/play/b09nxzn7