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Single Trip Car Hire Excess Insurance

Our single trip car hire excess insurance reimburses you for the excess owed to the car rental company in the event of damage to or theft of your hire car.

Our single trip policy is perfect for one-off car rentals in the UK, Europe or USA. It covers you for eventualities such as losing the car keys, scratching the paint or cracking the windscreen.

Buy with us and save up to 90% compared to the car rental desk.

Road to Mount Fuji, Japan

What is single trip car hire excess insurance?

Our single trip car hire excess insurance policy covers your car hire excess for a one-off trip where you are hiring a rental car. If you have an accident and you need to claim on the car hire insurance policy (this usually is included in your rental) then you will need to pay an excess fee.

Our single trip excess insurance will reimburse you the cost of the excess fee you pay. These excess charges are usually between £500 and £2000 – you can check the amount in your car hire rental agreement before you travel.

Our single trip excess insurance, as well as our annual car hire excess insurance, pay the excess for you for a range of common, and some not so common, issues during your car rental. Things like accidental damage, cracked windscreeen, putting diesel fuel in a petrol car or losing the keys on the beach.

Single Trip Car Hire Excess Insurance Cover

Our single trip car hire excess insurance covers you for on-off car rentals in the UK, Europe, USA or the rest of the world. It will pay out the excess owed in your car rental agreement should you need to make a claim for damage, theft, loss of keys or out of hours charges for delayed flights. Our single trip 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

UK & Europe Car Hire Excess Insurance Exclusions

  • Max cover 62 days per single trip policy and 30 days per annual policy
  • 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
  • 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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Is car hire excess insurance included in my car rental agreement?

Not normally, no. As part of your agreement with your hire car company you will have a form of insurance to cover your rental period. This can be called many names; car hire insurance, collision damage cover, theft protection and third part liability.


These insurances will cover you for damage, loss of keys, theft, fire and other common issues arising from hiring a car. However, in order to claim on the insurance policy there is typically an excess charge due, in the same way as your home insurance works. So for example, if you need to make a claim on the insurance for repairing a dent in the car then you will be charged a flat excess fee of, say, £1000.


If you take out car hire excess insurance from we will reimburse the cost of the excess, effectively removing your liability for the excess charge. This means you can spend your holiday relaxing rather than fretting about the cost of losing your keys, cracking the windscreen or chipping the paint work.

Can I buy excess waiver insurance from my car rental company?

Most car hire companies offer their own equivalent excess waiver insurance to customers at the rental desk. Once you are at the rental desk you have very few options, you can either buy their excess waiver insurance, which is sometimes more expensive than the cost of the hire car itself, or you can decline, take the risk and pay an excess fee should you need to claim against the car hire insurance.


If you do your research in advance the cost difference between buying your excess waiver through and the rental desk can be around £20 per day!

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