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)

2238 Product Reviews

DateProductScoreCustomer Comment

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.

Europe 60

+

No experience of needing to make a claim.

All car hire agencies insist that any claims incurred must be fully settled directly with them and that it would subsequently up to me to get recompensed from insurance 4 carrier.com. Is this correct

Europe Family & Partners 60

++

I would like to know if Switzerland is included and if one is resident in Switzerland if I am covered. It is not very clear in the policy. I would like to see in the website in a map kind of where and when I am covered and with which limits. Thanks! Victor

Europe 60

++

It is a comfort to know that the additional cover exists when hiring a car abroad.

Excess Worldwide 60

++

So straightforward & makes an awful lot of sense!!

Europe 60

+

Easy to purchase. Hope I don't have to use it.

Excess Worldwide 60

+

Convenient but real test comes if I need to claim

Europe 60

+

This is the first time I have used your service and the booking was made through Indigo Car Hire.

Europe 60

++

website was easy to use ,

Excess Worldwide 60

+

Europe car hire all seems very simple.
Your web site is not clear with regards to what is / isn't covered when hiring in USA even if you take out additional insurance.
Not clear if you would be insured for repairs to 3rd party damage
Last month I hired 2 cars for 2 weeks in the Caribbean and had to use local insurance which cost almost the same as the car. My 2 fellow drivers and I all failed to understand from your web site as to what cover we would have had.
Unfortunatly it was weekend and couldn't contact you
Mr Glyn Mellor

Excess Worldwide 60

++

I think this is an excellent idea and beats the rental companies high pressure pitch when you least need it, at pick-up time after a long flight.
Well done. Have not had to claim yet but have a few hires already booked for later this year. Will drive carefully.

Europe 60

++

Very easy to renew.
Fortunately have not had to make a claim.

Excess Worldwide 60

++

Excellent...has saved me a fortune!

Europe 60

++

great so far thanks

Daily Policy

++

Have used them before and will use them again in the future. Much better value for money than the car hire companies.

View all reviews >>

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