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)

1418 Product Reviews

DateProductScoreCustomer Comment

Excess Worldwide 60

++

fortunately have only had to make one claim which was dealt with in a first class manner , with all the spurious claims now being made by the hire companies for alleged damage it's good to know you have Insurance4carhire

Europe 60

++

Very efficient as ever

Europe 60

++

very easy to do and gave peace of mind while by having car excess covered. Cheaper than doing it with the rental company when abroad.

Europe 60

++

Excellent information, much cheaper than the rental Companies, never been used because of no damage over years.

Europe 60

+

Gives peace of mind.

Europe 60

+

No problems getting the cover and great price too. We would use insurance4carhire again in the future.

Excess Worldwide 60

+

I used it during car hire in the USA. It covers very little against all the additional extra insurances you are advised to take (the excess was only 200 dollars, the extra insurance was approximately as much again as the original car hire quote!) but every little bit helps I suppose.

Europe 60

++

Very easy to arrange the policy

Europe 60

+

a sensible price for Reassurance!!

Europe 60

++

I did not need to make a claim but it was easy to set up the insurance and the documentation received was very clear. It allowed for peace of mind and no temptation to accept the hire car company's excess insurance!

Europe 60

++

Transaction handled speedily. No problems

Europe Family & Partners 60

+

Haven't had to use it yet but good to feel secure

Europe 60

++

Brilliant is all I can really say, it takes the stress and worry out of hiring a vehicle.

Europe 60

++

Haven't had to use the service yet but all the information is helpful and comes via mobile so have it always to hand. Gives peace of mind and our car hire companies in Alicante don't have a problem with our using this service.

Europe 60

+

The insurance policy has been of great benefit to us and hopefully we wont need to utilise the insurance policy.

Europe 60

++

Always reminds me when renewal is due, gives good advice, good value and easy to renew.

Europe 60

+

A bit pricey but as through AA worth the extra

Europe 60

++

I always buy my Insurance for my Car Hire each year online and never have any problems.I think that it is great that it is available as some Car hire companies try to 'Rip you Off' when you are picking up the car at your holiday destination.

Europe 60

+

I don't have any specific comments to you. It was easy to find and easy to order.

Europe 60

++

Decent insurance. Easily accessible info. Swift and secure. The car rental companies have a lot to learn from you.

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