Do I need to purchase local insurance at the desk?

No, you don’t have to as long as you are able to pay the required deposit on site. If you booked a rental car with insurance through HAPPYCAR, you do not have to purchase additional insurance at the desk unless stated otherwise in the rental conditions. The insurance is valid and covers your rental car. You might opt for some additional coverages, depending on the location you rent a vehicle in. That’s completely up to you!