The majority of car rental agreements will include in their price mandatory insurance cover for Collision Damage Waiver (CDW) and Third Party Liability (TP). In the event of damage or theft of the rental vehicle, car rental companies will charge you an excess, which is the amount you are responsible for paying towards repair costs.

How does Excess Reimbursement Insurance work?

Excess Reimbursement Insurance is a voluntary insurance, which is useful if there is an excess applicable to your car hire. The cover applies to the individual, so you are covered, even if you change the car hire company or the type of car that you have hired.

It is designed to repay the excess or repair costs you have to pay under the terms of the rental agreement following damage to the rental vehicle. The reimbursement of the excess is subject to the exclusions detailed in the policy wording.

What is covered

Key features and benefits include:

  • Excess on damage and theft up to £ 6,500 per year
  • Drivers aged 21 to 85 years old (inclusive)
  • Covers damage to the windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car hire companies
  • Damage caused by using the wrong type of fuel: up to £ 500 per claim and £ 2,000 per year
  • You (the policyholder), plus up to seven additional drivers named on your rental agreement

What is not covered

Please be aware that for this policy is only valid for residents of the United Kingdom, Spain, France, Italy, Germany, Ireland, Sweden or the Netherlands.

Coverage exclusions include:

  • Damage to the interior or contents of the car
  • Drivers must be aged between 21 and 85 years of age
  • Rentals contracts cannot be longer than 60 continuous days
  • Where damage is the result of driving off-road
  • If the market value of the Rental Vehicle exceeds £ 120,000

Full details of what is and isn’t covered can be found in the policy wording

Our policy documents are available in English, Spanish, French, German, Italian, Swedish and Dutch. These can be found on the product description pages of this website.

Purchase Process

You can buy this insurance through our online quote and buy platform on www.insurance4carhire.com. The policy can be bought up to 364 days in advance, right up to before you collect the rental vehicle.

You can choose to buy either an Annual policy, which will provide cover for multiple hires throughout the period of cover, or a Daily policy which will provide cover specifically for the days that you request it.

During the quote and buy process you will be asked a number of questions. These will include basic information such as:

  1. the details of the lead driver on the rental agreement
  2. the policy start date and time,
  3. if it is a Daily policy, how many days you require cover for.

This information will be used to create the insurance4carhire policy certificate. Please ensure that the information provided is the same as those detailed in the car rental agreement.

The offer and selling price of this policy lasts until your browser session expires.

You can pay for this insurance policy using your Visa or MasterCard debit or credit card. The price provided has to be paid in full. Before proceeding to payment, you will see a breakdown of costs including the insurance premium, the Insurance Premium Tax (IPT), our Customer Service charge and if you use a credit card, a corresponding fee.

Once the payment has been finalised, we will send a confirmation email that includes your policy wording, insurance certificate and our terms of business document. Please ensure you save these documents and we recommend you take with you whenever you pick up a rental vehicle.

Contact Us

If you need us at any time, our contact details are as follows:-

Email : info@insurance4carhire.com
Telephone: +44 (0)1242 538475 (Monday to Friday, 9am to 5pm GMT)

Please contact us if you need to change any details of your policy or if you would like to upgrade to another type of policy within the duration of the contract.

Cooling off period

If you decide that you wish to cancel this insurance, simply contact Insurance4carhire on +44 (0)1242 538475 or write to Insurance for Car Hire, Towergate Insurance, Ellenborough House, Wellington Street, Cheltenham, GL50 1XZ or info@insurance4carhire.com. If you cancel within 14 days of receiving your documents you will receive a full refund of premium and Customer Service Charge as long as you have not made a trip, have not made a claim and do not intend to make a claim.