European car hire excess insurance cover

  • Annual, multi-trip car hire excess insurance - ideal for those travelling regularly within Europe.
  • If someone close to you will be travelling separately at another point in the year, you don't need to purchase an additional policy.
  • Select our family and partners policy to enable another driver to have their excess covered even if they hold a rental agreement separate from your own.

Insurance4carhire’s European cover allows you the confidence to get out and explore all the continent has to offer. Our policies will reimburse you for excess payments in the event of an accident or theft of your hire car.

Choose our family and partners policy to allow another person close to you to rent a car as the lead name on the rental agreement.  This policy is ideal if you and a loved one know that you may not be travelling together on all of your trips throughout the year. This is also useful should you need to rent two cars at the same time.

Plus, benefit from great cover such as misfueling, bumps and scrapes however minor and multi-lingual international emergency assistance. We'll cover you for damage to the undercarriage, wheels, tyres, windows and roof where car hire companies don't. 

What's covered? (Features and benefits)

  • Excess on damage and theft up to £6,500 per year
  • Covers damage to the windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car hire companies
  • Multilingual international emergency assistance – just text "HELP". Find out more.
  • Towing costs associated with mechanical breakdown
  • Damage caused by using the wrong type of fuel: up to £500 per claim and £2,000 per year
  • Car rental key cover up to £500 per claim and up to £2,000 per year
  • UK Car club rentals and courtesy cars
  • 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 8 named drivers. However, if you think that the lead policy holder may not be travelling with you on all journeys throughout the year, 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.
  • Flat battery cover up to £1,000 per year
  • Late pick up charges due to an unscheduled flight delay

What's not covered? (Exclusions and restrictions)

  • Rentals for longer than 60 days
  • Vehicles more than 10 years old
  • Vehicles worth more than £120,000
  • Commercial vehicles, motorbikes, camper vans, mobile homes or vans with more than nine seats. To insure van hire visit insuremyvanhire.com
  • Policyholders who are not residents of the UK, The Netherlands, France, Spain, Italy or Germany.
  • Accidental damage to the interior or contents of the vehicle caused by general wear and tear or carriage of animals 
  • Where the rental 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)

1137 Product Reviews

DateProductScoreCustomer Comment

Europe 60

++

been with you for a long time

CDW/SLI Worldwide 60 Day

++

A good price for annual cover with the ability not to be pressured into taking out extra cover when collecting a hire vehicle.

Excess Worldwide 60

+

Read the good ratings and reviews. Signed up with reasonable confidence that I would be fully covered in the event of a bump in the UK/Europe and worldwide during the rest of the year. Not sure whether policy includes scooter and camper van/wagon hires?

Europe 60

++

Service very good as usual

Europe 60

++

I recently had the first claim for 10 years and it was dealt with very efficiently.

Europe 60

++

Did not have to use, thankfully, but represents great value.

Europe 60

++

Excellent product, easy to purchase, money saved.

Europe 60

+

Easy to renew or effect New policy.
Fortunately have never had to claim.

Europe 60

++

wouldnt travel without it

Europe 60

+

I'm very happy that my claim was accepted. My only concern is that for 2 weeks there was completely no update from you and I didn't know what was going on with my claim.

Europe 60

+

I didn't have to claim on the insurance so can offer no further comment.

Europe 60

+

not had to use you yet to claim so can not comment on this.
Have bought a policy the last few years and consider it easy to buy & seems very good value compared to car hire companies.

Europe 60

++

All smooth and had no problems. I have not had a claim.

Europe 60

++

Buying the policy was easy, terms were clear and the claims process clear and straightforward.
Unfortunately I had to make a claim, but fortunately I had taken out the insurance!.

Europe 60

-

Process was fairly quick by 'phone. However, the person I spoke with was sometimes unintelligible and I had to ask him to repeat himself several times - and I am neither hard of hearing or an 'older' person. I also asked him to send a hard copy of the policy which never arrived. I telephoned to request this again.
I haven't needed to make any claims yet so I can only comment on the process of buying the insurance.
My experience was probably in between 'poor' and 'good' but no such category offered; nearer poor than good.

Europe 60

++

good service

Europe 60

++

Straight forward to sign up.

Excess Worldwide 60

+

The website needs improving. I tried to renew online with an increase in cover but couldn't do this - I had to ring and it was a pain.

Europe 60

++

Good value.

Europe 60

++

Superb service at a great price.

View all reviews >>

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