APEX对full insurance的解释

APEX对full insurance的解释:

With any of our vehicles you can upgrade from Standard Insurance to Full Insurnace for an additional $10/day for hires four days or more, (and for an additional $15/day for hires three days or less). Full Insurance reduces your insurance excess (deductible) from $1000 to zero. This means that in the event that the rental vehicle is damaged you pay nothing, provided you have not voided the insurance cover.

请教大家,是不是每天额外交十元,如果车辆发生损害不用承当任何费用？

因为看到大家的帖子都写可以将费用降低到250元什么的，所以对APEX的这个full insurance 吃不准。