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Leasing contracts also may contain a so-called “forced place” clause get car hire excess insurance. This allows the leasing company to arrange for insurance and add it to your monthly fee, if you don't provide proof of insurance within a specified window, says Kelleher. if you're financing or leasing your car. This type of coverage can cover the difference between what you owe on your vehicle and what your vehicle is worth at the time of an accident or theft. Will the dealership notify my insurance company when I buy a new car? how to get car insurance on a saturday.