Relax. We’ll cover your car hire excess

Leaving your car hire insurance until the last minute leaves you in the hands of the rental desk. There’s a better way. Arrange cover with insurance4carhire and we can reimburse your excess should your hire car be damaged or stolen.

UK’s most popular car hire excess insurer - Based on online traffic share

Leaving your car hire insurance until the last minute leaves you in the hands of the rental desk. There’s a better way. Arrange cover with insurance4carhire and we can reimburse your excess should your hire car be damaged or stolen.

Select a product

What is Excess Insurance?

Car hire companies often charge an excess for damage caused to the car whilst you're behind the wheel even if it's not your fault. This can be upwards of £1000, meaning that if you're involved in an accident, you'll have to pay a contribution to cover the damage.

With an annual car hire insurance policy from insurance4carhire, you're able to reclaim the excess you’d have to pay in the unfortunate event of an accident or your car being stolen.

What’s more, with our policies, you could pay less and get more cover compared to buying the excess at the car hire desk. Our car rental insurance policies will reimburse you for charges as a result of damage to the undercarriage, misfueling, towing and so much more. Visit our FAQs page to find out more about our policies.  

How Does Excess Insurance Work?

  1. Choose the car rental insurance policy suitable for your destination and trip period
  2. Buy your policy up to 364 days in advance right up to before you go to collect the car
  3. Politely decline any excess insurance offered to you at the car hire desk. You must ensure that your car hire agreement includes collision damage waiver cover unless you are purchasing a Worldwide Plus policy from us and are hiring a vehicle in North or South America

Please note, insurance4carhire policies purchased after the collection of your rental vehicle will not be valid. 

Excess Insurance Claims

We operate independently from car hire companies. If an accident occurs, you will have to pay your car hire company excess, but claiming your money back from us is stress free. Here's how:

  1. Make sure you keep all receipts given to you by your car hire company
  2. Phone or email us to let us know you'd like to claim (or post your claim to us) within 31 days
  3. We aim to pay your money into your account within 15 days of receiving your claim