Oporto in Portugal

Three days ago we had a minor road accident in the tiny town of Felgueiras, in the inland of Portugal. Our left front wheel was damaged and we had a minor brake failure. We managed to reach our hotel in Entres-os-Rios and to travel around the countryside in the Douro Valley. We arrived yesterday in Oporto with our wrecked car. The car-rental-company proudly presented their insurance policy (or actually as it turned out, their insurance company's policy). Oh no, in the policy it was to our astonishment written that the insurance policy did not cover a) windshield or glass damage; b) damage on tires. I told the two guys that the damage done to our car was a little beyond a flat tire. Then they presented another unexpected exception: The insurance policy did not cover damages inflicted on the car from below... Suddenly I remembered an old scetch from "Marty Feldman Show". Feldman is trying to understand the insurance policy in order to find out what kind of damages the insurance do cover. He and the insurance agent go over case after case, but there is always something that makes the insurance company able to claim that they cannot pay for just that particular type of damage. In the end Feldman gets fed up and asks: "- What exactly do the insurance cover?" The insurance agent looks at him seemingly surprised and answers: "- This insurance policy covers only collission between the insurance taker's vehicle and a rhinosaurous on a one-way bridge!" I think that finally has reality been catching up with Feldman's satire...