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What is SLI?

SLI or supplementary liability insurance explained. What is it? Do you need it? What’s the difference between SLI, ALI and third party liability insurance? Do I need it if I’m traveling to the USA? Does my travel insurance cover me for third party damage or injuries?

We’ve used our inside knowledge to give you all the answers, cutting through the jargon leaving you free to enjoy your holiday.

Road to Mount Fuji, Japan

What is SLI (Supplementary Liability Insurance)?

SLI Insurance (there is no need for the word insurance afterwards but it is often included) or Supplementary Liability Insurance is a form of car hire insurance that covers you for third party damage or injury. So if you were involved in an accident SLI covers you for any claims made by third parties for ‘bodily harm’, as the insurers call it, or damage to any other vehicles or passengers involved in the accident.

What is ALI (Additional Liability Insurance)?

Additional Liability Insurance is simply SLI by another name. Some car hire companies refer to third party liability insurance as ALI, others as SLI.

What about third part liability insurance, is that the same?

Yes, it is the same but this is how us British refer to the SLI/ALI. SLI and ALI are typically used by American insurers when referring to third part liability insurance.

Is SLI/ALI/Third Party Liability Insurance included in my car rental?

That depends on the country you are renting the car in. Normally, if you are hiring a car in the USA or Canada third party insurance is not included. However, if you are booking this from the UK or using a UK booking agent then third party cover is often included for trips to the USA and Canada. It’s wise to check.

IS SLI compulsory when hiring a car?

It’s not compulsory but strongly recommended. In the UK and Europe SLI is usually included in the cost of the rental. However, in the USA, Canada and much of North, Central and South America SLI is not included which means you will be liable for the cost of any third party claims in the event of an accident. Our Worldwide cover including USA includes SLI and ensures you are covered for any third party liability claims whilst in the USA.

 

You need to have the lead driver of the car hire rental agreement as the main name of the policy you buy, but after that any additional drivers listed on your car hire agreement are covered with our car hire excess insurance.

What is included in CarHireExcess.insure's excess insurance?

Our car hire excess insurance policies include everything you see below, essentially paying the excess in the event of a claim for any insurances covered through your hire car. In terms of SLI, ALI or third party liability insurance we will reimburse you for the excess on any claims made for these products, should it be included in your rental agreement, up to £6000.

  • 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
  • Collision Damage Waiver (CDW) for policies in the USA & Canada

Why Buy from CarHireExcess.insure?

  No additional driver charges

  No unnecessary expensive add-ons

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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

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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