A short summary of what we learnt after hiring a rental campervan with Apollo in Australia and unfortunately had an accident:
Apollo won't cover for any accidents they deem your fault.
For example: you stop at a stop sign, look left and right but fail to spot an oncoming car and consequently cause an accident. This scenario is amongst the most common accident scenarios - nearly 25% of all accidents happen due to someone accidentally failing to give the right of way. It's due to these kind of accidents that can end up being very costly you'll want an insurance in the first place. But Apollo Camper will not cover it in any of their insurance packages.
Instead, after such an accident, you'll receive the following mail quoting parts of their contract:
Due to the nature of this accident you are in breach of the following terms and conditions:
4. Unauthorised and Prohibited Use of Vehicle
(g) Using the Vehicle in a dangerous (...) manner.
(h) Using the Vehicle in contravention of any legislation or regulation controlling vehicular traffic.
5. Financial Obligations
(...) You will pay Apollo, on demand, any balance with the following charges:
(c) All loss of or damage to the Vehicle, (including the loss of use of that Vehicle - 'demurrage'), legal expenses, assessment fees, towing and recovery costs, third party damage, storage and other charges rendered by Apollo's where:
(xi) You have been deemed negligent in any action thereby resulting in damage to the Vehicle or third party property
And no matter which of their additional insurance packages you've booked (including any 'zero-liability' one) they will argue with the above mentioned terms and void any insurance.
I know it sounds hard to believe, but just check their contract or even better ask Apollo (in writing, to make sure you've got legal proof) about the mentioned circumstances.
In short: Don't book with Apollo Campers. And get written proof that the rental company you choose has an insurance that covers all things you need to have covered.