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You can protect yourself against that kind of charge by making sure that any blemishes or missing accessories are recorded right on the contract, and take some photos yourself for good measure. I found South African rental companies prone to that sort of thing, and I was warned by locals and expats.
And, of course, be careful about adding new scratches from your driving or parking habits. European rural roads can be narrow with scratchy vegetation on the sides, and parking spots can be tight. Comfort level with various insurance coverage options varies with the person (as do the options available). Some places insist on putting a goodly fraction of the value of the car on your credit card if you supply your own insurance, for example.