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 £4,000 per claim or £5,000 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.

What's not covered? (Exclusions and restrictions)

  • Rentals for longer than 60 days
  • High performance, prestige or exotic vehicles (e.g. supercars such as Aston Martins, Ferraris and Lamborghinis)
  • Vehicles more than 10 years old
  • Vehicles worth more than £65,000
  • Commercial vehicles, motorbikes, camper vans, mobile homes or vans with more than nine seats. For commercial vehicle hire excess cover, visit insuremyvanhire.com
  • Policyholders who are not residents of a European Economic Area country (see our FAQs for the full list of EEA countries)
  • Damage to the interior or contents of the car unless damaged in an accident
  • 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)

2249 Product Reviews

DateProductScoreCustomer Comment

Excess Worldwide 60

+

Cameron Major was very helpful.

Excess Worldwide 60

+

Thankfully not had to make a claim as yet, but I hope their service is up to their claims if and when I have too. Held a policy for three years now.

Europe 60

++

Especially like the fact that your cover is for up to 62 days per hire.

Excess Worldwide 60

++

Good value.
The one claim I made was handled efficiently and effectively.

Excess Worldwide 60

++

Wonderful. This website is about as clear as you can get. You know exactly what you are buying and how much it will cost.

Europe Family & Partners 60

+

this is the fifth or sixth year I have used this company and as usual it was quick and easy. I can't believe that I am saying this, but this year the renewal emails were not as frequent and annoying as they were and I missed the date!

Europe 60

++

No problem, all went through in seconds.

Excess Worldwide 60

++

simple and excellent value

Excess Worldwide 60

++

Not had to use it yet but purchase was easy

Excess Worldwide 60

++

I needed to make a claim about 4 years ago and it was very easy and straigh forward. This insurance avoids the ripoffs at the counter.

Europe 60

+

No further comment

Excess Worldwide 60

++

I received a prompt reply to my phone call and the representative gave me clear details of what I needed which I then proceeded to purchase.

Europe 60

++

Excellent service, I had unfortunately to make a claim and the service I received was absolutely marvellous.Thank you very much.

Excess Worldwide 60

+

Only taken out insurance on line with no problems. Have never had to make a claim so can not comment further.

Excess Worldwide 60

++

good service no hassle

Excess Worldwide 60

++

Easy to use and very satisfactory.

Europe 60

+

Not having made a claim it is not really fair to ask for a rating!

Excess Worldwide 60

++

Fine, it was dealt with immediately and efficiently, and when I showed it to HERZ at melbourne, they accepted it without a flinch

BB

Europe 60

++

The process was simple and I've recommended them to others.

Europe 60

++

Very pleased with the service we have had from insurance 4 hire.

View all reviews >>

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