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Car Hire Excess Insurance

from just £2 per day

Our car hire excess insurance policies include:


Late Pick Up Cover


Misfueling Cover


Towing Costs Cover


Unlimited Drivers


Lost Keys Cover

How Does Our Car Hire Excess Insurance Work?

1. Buy Your Policy
Buy your policy from us in advance and save up to 90% compared to the car rental desk
2. At Car Hire Desk
Decline the car rental company's excess insurance at the rental desk, you are already covered.
3. Enjoy Your Drive
Relax with the peace of mind that you've saved up to 90% buying from us in advance
4. Easy To Claim
Just keep your receipts from the car hire company and give us a call or send us an email to claim.

Car Hire Excess Insurance

When renting a car there can be times when an unfortunate event such as an accident or theft can leave you with a hefty repair bill or large excess cost on your car hire vehicle’s rental insurance.

Most hire car policies come with insurance included, this is often called Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW), however like your home or car insurance you will need to pay an excess fee to make a claim. This excess can be as high as £1500, with some car hire companies charging this excess for small scratches or dents.

To remove this excess charge car hire companies will look to sell you their own car hire excess insurance (also known as excess waiver) at the rental desk, which can cost up to £26 per day*. Our car hire excess insurance removes this car hire insurance excess charge in the same way as the car rental company’s policy, but for a fraction of  the cost – from just £2 per day

Route 1 Ring Road, Iceland

What Is Covered In Our Car Hire Excess Insurance?

As well as the covering you for the car hire excess charge on claims against your car hire insurance we also cover you for additional damage to the car. Some of the items listed below are not normally covered on car hire company’s rental insurance agreements, which are available at the car rental desk. Our policy is even covers you should a flight delayed result in you arriving to collect your hire car out of hours.

Car Hire Excess Insurance Exclusions

  • Our annual policies give you cover for an unlimited number of rentals within the period of insurance provided no single car rental agreement lasts longer than 62 days
  • Our single trip daily policies provides cover for rentals of up to 62 days – If you hire a car for longer than 62 days on a single car rental agreement, cover will cease on the 62nd day
  • Policyholder and all insured persons must be between 21 and 85 years of age
  • Cover does not cover Afghanistan, Sudan or Liberia
  • Policyholder must be lead name on rental agreement
  • Cover only applies to drivers named on the rental agreement
  • Maximum retail value of hire car £60,000
  • Maximum retail age of vehicle 20 years
  • Claims arising from operation of the rental car in violation of the car rental agreement
  • Claims arising from mechanical or electrical breakdown – other than towing costs
  • Not available if you have already collected your rental car

Compare Our Car Hire Excess Policies


Our UK and European insurance policy is perfect for family driving holidays or weekends away in the countryside in a hire car. If you are planning on making multiple trips to Europe this year or are planning a hiring a car for more than 17 days then our annual policy will work out cheaper for you.
£35 / £2 Annual / Per Day*
  • No additional driver charges
  • Damage, fire, vandalism and theft
  • Windows, undercarriage, roof, tyres
  • Lost keys
  • Mis-fueling
  • more…
  • (*Prices include IPT)
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If you are traveling to Australia, South Africa or somewhere else far flung then you’ll need our Worldwide excess insurance policy. If you are planning on hiring a car for three weeks or more then you should get our annual policy as it will work our cheaper than our 21 day daily policy.
£45 / £2.20 Annual / Per Day*
  • No additional driver charges
  • Damage, fire, vandalism and theft
  • Windows, undercarriage, roof, tyres
  • Lost keys
  • Mis-fueling
  • more…
  • (*Prices include IPT)
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Traveling to USA, Canada, Mexico or South America? Car hire insurance is slightly different in these places as it does not include Collision Damage Waiver (CDW) in the policy, commonly included in the UK and Europe. Our policy has you covered with CDW included in our USA & Canada policies.
£65 | £2.70 Annual / Per Day*
  • No additional driver charges
  • Damage, fire, vandalism and theft
  • Windows, undercarriage, roof, tyres
  • Lost keys
  • Mis-fueling
  • CDW Included (required in USA & Canada)
  • (*Prices include IPT)

Some Frequently Ask Car Hire Excess Questions

Why do I need hire car excess insurance?

What's the difference between car hire insurance and car hire excess insurance?

Is it cheaper to buy a daily or annual policy?

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