Frequently Asked Questions

We’ve collected together some frequently asked questions about our car hire excess insurance policies. If you still have questions call us; we’re here to help.

What is CDW/LDW?

CDW (Collision Damage Waiver), also known as LDW (Loss Damage Waiver) is car hire insurance which covers damage to the rental vehicle. There is generally an excess payable if you have an accident or damage the car, even if you have CDW

What is SLI/ALI?

SLI (Supplemental Liability Insurance), also known as ALI (Additional Liability Insurance) is a form of insurance that protects you (the driver) and your passengers against large third party claims. Should you have an accident and this results in third party claims for damages or injuries, then the car rental policy will protect you (the driver).

Do I need a credit card when renting a car?

The answer is yes. Even if you have pre-paid your car hire in full in the UK you will need a credit card when collecting your vehicle. This is for deposit purposes and should have sufficient credit on it to cover the excess. If you don’t have a credit card you should check with your car rental company what to do as they could refuse to give you the car at the car rental desk.

What documents do I need when picking up the car?

You will need to bring your driving license (it needs to be the original document) in good condition. If you hold the new style UK licence you will also need your paper counterpart for ID. Failure to do so may result in your car hire company refusing to give you the car. You will also need a credit card for deposit purposes.

What is excess?

The excess, also known as the deductible, is the amount you are liable to pay to the car rental company should you have an accident or return the car damaged, even if it wasn’t your fault. When you hire a car, even if your rental agreement includes insurance, there will almost certainly be an excess to pay. Buying excess insurance from us means that if you are asked to pay for any of the excess by your car hire company, we'll reimburse you. Some car hire operators offer to waive the excess charges but normally at a significantly higher price.

How much is the excess?

The excess varies depending on the car rental company, the type of vehicle you are hiring and the destination you are travelling to. insurance4carhire can reimburse you up to the value of £6,500.

What is the difference between Super CDW, non waiver and the deductible?

The answer is none. All the above mean the same thing - excess insurance. Different car rental companies use different phrases to describe excess insurance which can often be confusing.

Must I take out excess insurance?

No, excess is a voluntary insurance. You have three choices:

  1. You can decline excess cover. If you do subsequently damage the vehicle or if it is stolen, you will be liable for the excess charge.
  2. You can purchase the car rental company’s excess cover, which is sold at the counter when you collect the car but the costs can be quite high. It can cost you between £9 - £20 a day and covers the excess on theft and damage to the vehicle. It generally excludes: damage to the undercarriage, windows, roof and tyres, the parts of the car which are most likely to get damaged should you have accident.
  3. You can purchase a policy from Our wide range of policies are cheaper than over the counter car hire company excess cover. Plus, in addition to the car hire excess, our policies cover damage to the roof, windows, tyres and undercarriage, something most car hire companies don’t cover.
Can I upgrade my policy?

- No, it is not possible to upgrade as such. However, if you wish to change your policy from European to Worldwide or Worldwide to USA and Canada, we will provide a pro rata refund from the day you cancel and set up a new policy for you.

Can I purchase an insurance4carhire policy if I am not a UK resident?

To purchase insurance4carhire policies you must be resident in one of the EEA countries.

EEA Country list: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, UK.

Where in the world will insurance4carhire cover me?

Our Europe multi-trip policy is valid for trips in, through or to the UK including the Channel Islands and the Isle of Man, Ireland, Iceland, Europe (all countries west of the Ural mountains - the Urals extend from the northern border of Kazakhstan to the coast of the Artic ocean), Croatia, Czech Republic, Serbia, Slovakia, Slovenia and Turkey), the islands of the Mediterranean - including North and South Cyprus, Morocco, Tunisia, the Canary Islands, Madeira and the Azores.

Our Worldwide multi-trip policy covers car hire in all countries except: Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe.

Our USA & Canada policy is valid for trips in the USA, Canada, South & Central America and the Caribbean

Does my policy cover vehicles such as vans, campervans and motorbikes?

No, we do not cover camper vans, caravans, motor bikes, vintage cars or commercial vehicles. For commercial vehicle hire excess cover, visit

What happens if I need to cancel my policy?

You have 14 days cooling off period to cancel your policy. You can either email or telephone us and our friendly customer service team will be happy to assist you. If you cancel outside of the cooling off period and you are not upgrading your policy then you will be charged a £30.00 cancellation fee. You will also not be able to cancel if you have entered into a rental agreement or intend to make a claim. 

What happens if I need to amend my policy?

You can either email or telephone us and our friendly customer service team will be happy to assist you.

Contact details
Phone: 0844 892 1770
International: +44 (0)1883 724 001
Fax: 0844 980 6802