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UK Car Hire Excess Insurance

If you wish to hire a car in the UK for pleasure or business, it is important to make sure you are protected from large excess fees incurred when making a claim by purchasing hire car excess insurance before you get to the rental desk.

Whether you are heading to the countryside for the weekend or renting a car by the hour to nip to the shops, our car hire excess insurance can remove the pesky excess charge for a fraction of the cost of buying at the rental desk.

Quiraing, Isle of Skye, Scotland

UK Car Hire Excess Insurance Cover

If you are hiring a car in the UK, it is important to ensure you have the necessary cover in the event of an accident. You hire car will include insurance for damage, theft, fire and third party claims, but in order to make a claim you will need to pay a hefty excess. You can remove that excess by buying car hire excess insurance for your UK car rental, from us in advance. 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 – unlimited number of rentals per year of up to 62 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
  • Canary Islands, Madeira, the Azores, Turkey and Iceland covered in UK & Europe policy

UK & Europe Car Hire Excess Insurance Exclusions

  • Max cover max 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
  • Europe does not include Egypt, Israel Morocco and Tunisia
  • 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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What is UK car hire excess insurance?

It is common practice, if you’re hiring a car in the UK, for car hire companies to include car insurance (often referred to as a collision damage waiver (CDW) or loss damage waiver (LDW)) as part of their hire policies. However, if you need to make a claim on the car hire insurance policy you will need to pay an excess charge often between £500 and £2000.  This excess fee can be avoided by taking out excess insurance also known as an excess waiver. You can buy this at the rental desk when it can cost as much as £25 extra per day, or you can buy with us for just £2 per day in the UK and Europe (price includes IPT).

This cover will act as a financial “buffer” in the event that you incur damage to your vehicle and have to make a claim. Please note that although excess insurance is by no means compulsory without this level of cover you will be liable to pay excess fees before any claim is settled which can be well into the thousands of pounds.

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.


Prices includes IPT

Why do I need hire car excess insurance?

How does excess insurance function?