Find Your Cover
Single trip*
Annual cover*


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.

Mount Fiji, Japan

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 max 62 days per single trip 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

Why Buy from

  No additional driver charges

  No unnecessary expensive add-ons

   Buy in just 2 minutes

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 is 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, page 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.

The Stelvio Pass, The Alps, Northern Italy

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.

worldwide-mount cook new zealand-375x200

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.

usa-monument-valley-min 375x200

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

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?

How does excess insurance function?