Car Club Excess Insurance

If you’re a member of a car club, such as Zipcar or City Car Club, you’ll already know how simple it is to reserve and pick up your rental vehicle.

Whether it’s by the hour or by the day, hiring a car in the city has never been so easy. So, why not make things a little easier by pre-buying your Car Club rental excess insurance?

Car Club Excess Insurance Cover

  • UK Car club rentals and courtesy cars
  • Excess on damage up to £6,500
  • Covers damage to windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car rental companies
  • Multilingual international emergency breakdown assistance – just text "HELP". Find out more.
  • Covers towing costs associated with mechanical breakdown
  • Damage caused by using the wrong fuel type: up to £500 per claim and £2,000 per year
  • Car hire key cover - up to £500 per claim and up to £2,000 per year
  • Unlimited number of rentals per year of up to 60 days at a time
  • You (the policyholder), plus up to seven additional drivers named on your rental agreement
  • Drivers aged 21 to 85 years old (inclusive)
  • Buy now, start your policy up to 364 days
  • Family and Partners policy allows two policy holders, who must be family members (defined as spouse, partner, parent, brother, sister, adult child or fiancée), travelling together or separately Our standard policy covers up to 7 additional drivers who are covered provided they are named on the rental agreement. If you think that the lead policy holder may not be present on all journeys, our friends and family product allows you to add an additional lead driver to the policy giving you greater flexibility without buying more than one policy.

Car Club Excess Insurance Exclusions

  • Car hire for longer than 60 days
  • Vehicles over 10 years old
  • Vehicles worth in excess of £75,000
  • Hire of commercial vehicles, trucks or vans. To insure van hire visit
  • Hire of motorhomes, RVs, camper vans, motorcycles, mopeds, motorbikes, passenger vehicles with more than 9 seats or vehicles for which the main use is intended to be off road
  • Policyholders who are not residents of the UK,The Channel Islands, France, Spain, Italy, Sweden, Republic of Ireland or Germany
  • Damage to the interior or contents of the car unless damaged in an accident
  • Where the hire vehicle is being driven by persons who are not named on the rental agreement
  • Where damage is the result of driving whilst on an un-made up road which is not designated as a public thoroughfare
  • Car hire in U.N. sanctioned nations (Belarus)
  • Costs associated with mechanical breakdown (Except exterior damage and towing costs)

Car Club Excess Insurance Policy Documents

Did you know?

  1. As a car club member, you may be expected to pay between £750 and £1000* as a contribution (excess) in the event of a claim?
  2. The cost to reduce this excess with a car club, can be as much as £90 per year!†
  3. Insurance4carhire Car Club excess insurance starts from just £39.99 for UK & European annual cover.
  4. An insurance4carhire policy will not only cover the excess on damage and theft of the rental vehicle, but it will cover damage to the windows, tyres, undercarriage, roof and headlights - often not covered by car club rental companies.

Be smart - pre-buy peace of mind.

*based on findings with Zipcar and Car City Club on 11/11/14

†based on findings with Car City Club on 11/11/14 (

Annual Policy Wording (PDF 861KB)
Annual Key Facts (PDF 510KB)

Advice & Guides

What is a Car Club?

We explain the benefits of using car clubs as well as providing some advice on how car club insurance works.

Money Saving Tips for Hiring a Car | insurance4carhire

Don't get caught out - find out how planning ahead can save you money by avoiding car rental firms excess charges.

A Guide To Car Hire Documentation

Find out more about car hire documentation and what to watch out for when hiring a car - whether you're in the UK or abroad.

What is car hire excess insurance?

Find out more about car hire excess insurance and how it can help cover you in the event of an accident.

Daily vs Annual Car Hire Excess Insurance

Find out the difference between daily and annual car hire excess insurance in our useful guide.

“Acts of God” – How Car Hire Excess Insurance Can Help

What would happen if an 'Act of God' damaged your hire car? Check out our article on how a car hire excess insurance helps.