I purchased insurance online through a broker (e.g., Rentalcars.com). Isn't that the same? 

No. Broker websites offer their own insurance policies, and if you rent a car in Denmark, you will still have a deductible of 10,000 SEK per damage with us. We have no direct involvement with these insurance policies, and if you purchase insurance through them, it is your own responsibility to claim reimbursement for any deductible from them.

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