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Annual Car Hire Excess Insurance

If you travel and hire cars regularly our annual car hire excess insurance is perfect for you. It means that you can purchase it once for the year, rather than purchasing car hire excess insurance on a trip-by-trip basis.

It also means that you can make a saving, as an annual policy often works out cheaper for the customer on a daily basis. Pay once and you’re covered for unlimited rentals of up to 30 days each, from just £35 for the year (price includes IPT).

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Annual Car Hire Excess Insurance Cover

The purpose of our car hire excess insurance is to provide you with cover for losses you may be liable to pay when renting a car. This can be both the excess and additional costs over and above the amount you are covered for under the terms of your car rental agreement. Our excess insurance includes:

  • Excess for damage, fire, vandalism and theft up to £6,000 per incident
  • Any damage to windows, undercarriage, roof, tyres
  • Lost, stolen or damaged car rental key cover up to £500 per claim
  • Towing costs from breakdown or accidental damage
  • Misfueling cover
  • Out of standard hours charges due to a delayed flight
  • Annual policies – number of rentals per year of up to 30 days at a time
  • You and anyone named on the car hire rental agreement are covered
  • Available to everyone aged 21-85 with a valid UK driving licence
  • CDW included with our USA & Canada policies

Annual Car Hire Excess Insurance Exclusions

  • Maximum days per rental – 62 days
  • Policyholder and all insured persons must be between 21 and 85 years of age
  • Not available if you have already collected your rental car
  • Policyholder must be lead name on rental agreement
  • Maximum cover £7000 per policy
  • 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

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What is annual car hire excess insurance?

An annual car hire excess insurance policy will cover you for an excess fee due on your hire car should you damage it in any way. Often these excess fees are poorly explained and results in a huge cost for you, the customer, when you believed that you were fully covered. Annual car excess insurance means that if you’re involved in an accident, theft or collision in a hire car anytime during the year you policy is valid we pay the excess cost and any other costs outlined in the policy, saving you money.

Our annual excess insurance, as well as our single trip excess insurance, cover a wide range of issue that might occur during your car rental from accidents and damage to putting the wrong fuel in your hire car or losing the keys.

Stay protected by making sure you always have the car hire excess cover you need, whenever you’re on the road. With this kind of cover, you can make sure a small amount of money upfront covers you in the case of damage to your hired car which could be considerably more.

Excess Insurance Around the World


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.

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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.

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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.


All prices include IPT

When is it best to take out an annual excess policy?

While you can purchase an annual excess waiver insurance policy when you go to pick up your rental, you will always benefit from taking out an annual policy in advance. Doing your research means that you can understand exactly what the policy will cover, and can compare prices and companies while you are relaxed and have time to make the best decision for yourself – and your wallet. It’s always better to take a policy out in advance when you are not being pressurized by pushy sales tactics.

Why do I need hire car excess insurance?

How does excess insurance function?