About Us

We offer straightforward and low-cost alternatives to the expensive car hire excess insurance policies offered by car hire companies. Founded in 2003 we’re the UK’s longest-running online provider of car hire excess insurance.

We’re proud to offer our customers convenience, peace of mind and significant savings whenever they hire a car. And we’re delighted that most of our customers are so happy with our service that they come back to us year after year.

How Our Products Work

Our policies are designed to reimburse you for excess if your hire car is damaged or stolen, and include cover on damage to roof, windows, tyres, undercarriage & headlights, parts that are often excluded by car hire companies. For example, let’s say you live in the UK and you purchase our Europe annual multi-trip car hire excess insurance. You then go on holiday in France, hire a car with an excess of £500, and have an accident that causes £300 of damage to the car. In this instance, you’d pay your hire car company £300 and submit a claim to us for this amount.

Our Product Range

We offer four different annual multi-trip or daily single-trip car hire excess reimbursement insurance policies.

Europe multi-trip car hire excess insurance
Our annual multi-trip car hire excess policy reimburses you for car hire excess throughout Europe if you vehicle is damaged or stolen.

Worldwide multi-trip car hire excess insurance
Our annual multi-trip car hire excess policy reimburses you for car hire excess in most countries worldwide should your rental vehicle got stolen or damaged.

USA & Canada CDW/SLI car hire insurance plus excess
Our annual multi-trip car hire insurance policy gives you full car hire insurance cover for car hire in the USA, Canada & Latin America.

Daily car hire excess insurance
Our daily single-trip worldwide car hire excess policy reimburses you for car hire excess in most countries worldwide if your hire car is damaged or stolen.

The Story So Far

Back in 2003 insurance4carhire's founders identified that car rental customers were often turning up at the car rental desks only to be stung by high excess charges and poor policy cover. With customer value at the heart of the vision, the company was born. Our business grew rapidly, and we were acquired by the Towergate Underwriting Group Ltd., Europe’s largest independently owned insurance intermediary, in December 2007.

Our product range has now expanded to include both annual multi-trip and daily single-trip car hire excess reimbursement policies, which cover Europe , USA & Canada, and worldwide. And through our sister company, Insure4excess, we can offer great value excess cover for home, motor, health and pet insurances as well.

Our Core Values

  1. Provide excellent customer service, always

    We want you to have the best possible experience every time you do business with us. Here are just a few of the ways we make this happen:

    • We make sure that every member of our UK-based customer service team is highly trained in all aspects of car hire, car hire insurance, and excess insurance.

    • You can buy or renew any of our policies online, quickly and easily, when it suits you.

  2. Keep it simple

    We know that insurance can be complicated. That’s why we offer straightforward products that make it easy for you to protect yourself against high car hire excess charges. We explain our policies in plain English, without jargon. And if you ever have questions about our products or services, we’re always happy to answer them. Just email us or call 0844 892 1770.

  3. Be honest and transparent at all times

    We don’t believe in hidden clauses or catches. That’s why you can find everything you need to know about our products – what they cover, what’s excluded, and how they work – right here on our website.

    If you buy one of our annual car hire reimbursement excess policies we give you 14 day cooling off period to cancel.

  4. Attract and keep the best people

    We’re committed to attracting, developing and retaining the best possible people at all levels of our business. We value diversity, respect, collaboration and a “can-do” attitude. And we work as a close-knit team to offer our customers innovative products, value for money and excellent service.

  5. Be innovative

    We were founded on customer focused bold ideas. We were the first company to offer specialised car hire excess insurance, and we’re committed to remaining the leader in our field. And we’re always looking for new ways to give you more whether that be thorough the products or enhanced customer services.

Our charities

Towergate Charitable Foundation

Insurance4carhire supports a wide range of charities through the Towergate Charitable Foundation, a registered charity that collects money raised across the Towergate Partnership. Thanks to our staff, colleagues and clients, Towergate Charitable Foundation has raised more than £5 million for our charity partners, which include:
  • Cancer Research UK
  • ChildLine (NSPCC)
  • Help the Hospices
  • Great Ormond Street Hospital
  • Various military charities
  • Selected local charities
For more information, please visit the Towergate Charitable Foundation website.