No, this is only required if you have no travel insurance (which is very unwise!). This is the only insurance not included in our rates since most customers have travel insurance that includes personal cover.
If you do not have travel insurance then you can opt to purchase Personal Protection cover when you collect the car. This option will be clearly stated on the paperwork you complete with the rental company, and the associated costs will be listed. Typically, personal insurance is around $5 - $10 per day.