I can echo another poster's experience with Autoreisen in the Canaries - they are hassle-free and the fuel policy is that you leave the car with the same level of fuel as when you picked it up.
I do in fact have a policy with Insurance4carhire, but I've never had to claim on it.
On using brokers: having got a poor deal with one of these, I now keep well clear, as you never know which firm you're going to get, whether there's an office or even cars at the airport, when they're open, what the return procedure is, fuel arrangements etc., etc.
If I'm going somewhere new, I get on the TripAdvisor travel forum for the location and find out there - someone is always asking about car hire and you pretty soon find out which firms to go for and which to avoid.
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