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Canada Car Hire Excess Insurance

Due to Canada’s immense size, there are thousands of miles of road to drive along, snaking through a wealth of breathtaking landscapes such as mountains, forests and Tundra.

If you are visiting Canada for work or play and decide to hire a car, be sure to take out car hire excess insurance on your hired vehicle to prevent hefty excess fees which are likely to ruin your trip, should you experience damage to your vehicle.

Road to Mount Fuji, Japan

Canada Car Hire Excess Insurance Cover

Hire car companies operating inside places such as Europe usually include car insurance as part of their hire policies. This is often referred to as a collision damage waiver (CDW) or a loss damage waiver (LDW). However, in countries outside of Europe such as Canada, this is not so common and you will need to buy this separately if you want this cover. It is very important you understand what level of cover your hire car provider offers as part of the rental policy before setting off on your trip.

  • Collision Damage Waiver (CDW) up to £100,000 in the USA & Canada
  • 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
  • Unlimited 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

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Why do I need hire car excess insurance?

When you turn up at the car hire rental company and expect to pick up your keys and hit the road, you’ll often be hit by a barrage of offers for products you’ve never heard of before. These products come at an additional cost, above and beyond the price of your hire car – and can include everything from personal injury cover to breakdown cover.


It’s important you do your research in advance, so that you can be protected while also saving yourself a great deal of money. The prices at the desk are always higher than if you had purchased in advance with


Even with these additional products sold at the car hire desk, it’s important to note that the customer is still liable for damage or theft of the hire car to a certain degree. The majority of insurance policies will expect the customer to meet an excess fee, which can fall anywhere from £500 to £2000 from one car hire desk to another. removes this excess charge without the need to pay excessive daily fees to the car hire company when you get to the desk. Buying an annual excess policy with us means you’ll be covered for an unlimited number of trips, so long as each car hire rental doesn’t last more than 30 days.

How does excess insurance function?

Let’s assume that in the terms and conditions of your insurance policy, your insurance provider states there is an excess fee of £500 before any claims are settled. Now let us assume all of the windows of your hired vehicle are broken. You make a claim and the total cost of repairs amounts to 1,200 pounds. Before the claim is settled by the insurance company you will need to pay the excess fee.


You make a claim and the total cost of repairs amounts to 1,200 pounds. Before the claim is settled by the insurance company you will need to pay the excess fee. In theory, you have paid £500 towards the damages (the excess fee) and your insurance company has covered the remaining £700.


There are many factors that will determine how large your excess fee is including type of vehicle, the age of the driver, how many years experience the driver has and whether they have any past insurance claims.


To make sure you don’t get stuck with that £500 bill, a car hire excess insurance policy will cover that excess fee in return for a daily payment of around £5 a day for as long as you are renting the vehicle.


This small daily payment will ensure that if you do have an accident or are the victim of a crime, and need to make a claim, you will have to pay nothing, giving you peace of mind on your travels.

Policy Documents

The world offers so many opportunities for great driving holidays. Whether driving along the Great Ocean Road in Victoria, Australia or skirting along the Garden Route in South Africa there is no shortage of asphalt to pound.

Our policies offer coverage for accidental damage, fire, vandalism and theft as well as covering you for damage to the windows and tyres. However, before buying and travelling you should familiarise yourself with all the details and exclusions our worldwide policy offers by carefully reading our policy and key fact documents.

Single Trip Policy Wording

Annual Policy Wording

Key Facts - Policy Wording

Car Hire Excess 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 on 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 out 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.

UK & Europe: Single
UK & Europe: Annual
World (ex. USA): Single
World (ex. USA): Annual
World (inc USA): Single
World (inc USA): Annual

All prices include IPT