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)

2393 Product Reviews

DateProductScoreCustomer Comment

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.

CDW/SLI Worldwide 60 Day

++

Thankfully we didn't have to use our policy at all, but the customer service was fantastic! We will be using again.

Europe 60

++Latest:++

Quick and efficient - however - and it may well be my fault - I cannot now find a copy of my insurance policy. Please will you send me one

David Young


On 08-Nov-2014 the customer changed their rating and added:
I was concerned that your reply to my comment/question was "no comment"!


Please rectify and I have assumed you will when giving you a rating of "excellent"

See this exchange on Feefo

On 12-Nov-2014 the supplier responded:


One of our advisors will be in contact with you shortly.

Kind regards,

Lauren @ insurance4carhire.com

Europe 60

++

Discussed with agent very satisfied.

CDW/SLI Worldwide 60 Day

+

The product seems to work well but (fortunately) we have not had need to test it!

Europe 60

+

Price was very competitive and prompt attention given to request. Fortunately did not have to claim so cannot comment further on service.

Europe 60

++

Great, fast and smooth service. Excess of damage was payed in less then a 3 weeks. Mostly I would say that I was the one who was delaying the claim process to collect all necessary paperwork. Thanks a lot!

Europe 60

++

A pleasure do business with.

Europe 60

++

No hassle and all went very smoothly when we had to make a claim.

View all reviews >>

Useful Insurance And Driving Guides.

Driving In Europe

Check out this quick guide to driving in Europe & what you need to be aware of when taking to the European roads.

What is car hire excess insurance?

Find out more about car hire excess insurance and how it can help cover you in the event of an accident.

Winter Car Hire - Things to Be Aware Of Whilst Driving Abroad

Driving abroad in the winter can be quite different to the UK as you could be governed by different road laws and regulations as well as face a variety of different dangers to what you're used to. Check out this winter guide to find out more...

The Best Smartphone Apps For Your Driving Holiday

Check out this great range of smartphone apps for when you're taking to the road whilst on holiday.

Keeping The Kids Entertained

Keeping your little darlings entertained whilst driving can be a real struggle - especially on long trips! Check out these useful tips and suggestions for keeping them entertained on the journey...

Getting The Best Deal From Your Car Hire Company

Find out how you can get the best deal from your car hire company when you go to collect your vehicle and what to watch out for...