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)

1795 Product Reviews

DateProductScoreCustomer Comment

Europe 60

++

What a fast service, emailed the paperwork back and cheque with me within a week!

Europe 60

++

Efficient and speedy.
Very polite and professional.
Well done and thank you.

Europe 60

++

All round very excellent service and cover I would be more than willing to recommend
Insurance4car to anyone, Far better value than the cover from rental car suppliers.
Thank you

very best regards.

Europe 60

++

I CHANGED THE DATE FOR MY POLICY TO BEGIN ,NO PROBLEM.
THANK YOU.

Europe 60

++

very PLEASED, EASY TO DEAL WITH AND GOOD PRICE

Europe 60

++

An excellent service,ideal for overseas expatriots

Europe 60

+

Very Happy with ease of arranging and cover afforded

Excess Worldwide 60

+

Good exposition of the commercial basics and explanation of terminology

Europe 60

+

Easy to acquire the insurance policy on-line; luckily have yet to make a claim!!

Europe 60

++

Communications are excellent.Have never had to make a claim, so i hope the response in that respect would be excellent.

Europe 60

++

Easy access on-line. Easy to complete & take insurance. Good value.

Europe 60

++

Easy to sign up for. Staff dealt with claim very efficiently

Europe 60

++

thankfully had no problems but feel much more peace of mind knowing i have backup when hiring thanks

Excess Worldwide 60

++

Fortunately we did not need any help during our rental period. Seems very good value and no nonsense.

Europe 60

+

Thankfully I haven't had to claim so I am unable to provide feedback on that part. I did purchase the annual insurance cover intending to use it for one specific trip abroad as it was good value compared to what car hire company offered. In fact that week-long trip already paid for itself, I've hired a car twice since and the difference in cost (vs purchasing loss damage waiver from rental company) is quite noticeable.

Europe 60

+

Easy to arrange and gave peace of mind

Europe 60

++

So far we have not had to make a claim - but have saved significantly on the costs of "full insurance" from the hire car companies.

Europe 60

++

Contacted me in plenty of time to renew. No hassle, renewed online.

Europe 60

++

I have used Insurance4carhire for several years before and renewed it after a short lapse as it is essential to be covered with hire cars. With the best checks of a hire car you will not see everything before you drive off as some companies do not check the cars very carefully from the previous driver.
Thankfully I did not require to use the insurance this time, but it takes the worry out of any problems you can encounter. I rate this firm highly as the modest sum for a years cover can save a large bill in the long run.

Insuremycarhire Worldwide

++

I have had to claim twice, and both times they have been incredibly helpful and paid the claim within a week or two. Would highly recommend them.

View all reviews >>

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