Adam Summersby

Car Hire Excess Insurance Business Unit Director

Adam Summersby - blog author, car hire excess insurance business unit director

About our blog author

Adam is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.

He works across a number of insurance policy development and delivery areas including distribution, marketing, operations, product development, UX and relationship management with a keen focus on customer outcome and service delivery.

Adam’s current role is Business Unit Director for the Lifestyle division in Towergate, based in Cheltenham. Towergate is the UK’s leading independent insurance broking platform and forms part of the Ardonagh Group, an international network of over 100 offices and 6,000 people which incorporates leading brands in both Lloyd’s of London and global markets.

Towergate operates the insurance4carhire brand, the UK’s longest-running online provider of car hire excess insurance and the most popular by online traffic share (2019 figures).

Car hire excess insurance articles by Adam


CDW & SLI Explained

In many countries, car rental insurance policies include CDW and SLI as standard. However, if you are renting in certain countries, such as those in North, South or Central America, you may need to purchase CDW and SLI separately.

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What is Car Hire Excess Insurance?

Car hire excess insurance is an optional insurance coverage which can protect you from the excess costs that you are required to pay in the event that your hire car hire is damaged or stolen.

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A Guide to Van Hire Excess Insurance

If you’re looking to hire a van, you will need to make sure you are insured against damage or theft of the vehicle and any damage to a third party. Read our guide to ensure you get the right insurance for the vehicle you have hired.

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Gareth's Car Hire Excess Story

Gareth and his wife holiday in Italy at least twice a year and take out a standard annual insurance4carhire policy for peace of mind. A few years ago, Gareth made a successful claim through insurance4carhire. Previously, he has used hire car companies such as Hertz and Avis and has never had a problem using his insurance4carhire policy with them.

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Single Trip vs Annual Car Hire Insurance

Find out the difference between single trip and annual car hire excess insurance.

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What is Car Hire Excess Insurance?

Car hire excess insurance is an optional insurance coverage which can protect you from the excess costs that you are required to pay in the event that your hire car hire is damaged or stolen.

View article

A Guide to Van Hire Excess Insurance

If you’re looking to hire a van, you will need to make sure you are insured against damage or theft of the vehicle and any damage to a third party. Read our guide to ensure you get the right insurance for the vehicle you have hired.

View article

CDW & SLI Explained

In many countries, car rental insurance policies include CDW and SLI as standard. However, if you are renting in certain countries, such as those in North, South or Central America, you may need to purchase CDW and SLI separately.

View article

Gareth's Car Hire Excess Story

Gareth and his wife holiday in Italy at least twice a year and take out a standard annual insurance4carhire policy for peace of mind. A few years ago, Gareth made a successful claim through insurance4carhire. Previously, he has used hire car companies such as Hertz and Avis and has never had a problem using his insurance4carhire policy with them.

View article

Single Trip vs Annual Car Hire Insurance

Find out the difference between single trip and annual car hire excess insurance.

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What insurance do you need to hire a car in Spain?

When you think of Spain, your mind probably wanders to thoughts of sun and beaches. You undoubtedly don’t think of the insurance you’ll need if you’re hiring a car. When you hire a car, the rental car company will usually include basic cover as part of the deal. But does this include everything you need to be protected?

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Cover more with Insure4Excess: Excess reimbursement isn't just for rental cars

Did you know you can cover your excess on other insurance policies too? Now we’ve started a new year, you may be thinking about your travel plans for 2020 or be introducing a new pet into the family – we can help you cover things like your home, pet, motor or travel insurance excess’s with our sister company Insure4Excess.

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Car Hire: Common Hidden Costs & How to Avoid Them

To find out why people are paying more than they need to for car rentals, insurance4carhire surveyed 1000 people in the UK who hired a car in Europe.

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A Guide to Car Hire Costs

We like to think our car excess insurance is nice and straightforward. Your car rental agreement however, might not be so easy to understand. With this in mind, we’ve put together a guide to car hire costs.

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Manual vs Automatic Car Hire

Hiring a car for your holiday comes with a lot of questions, mainly: should I get a manual or an automatic? Your choice will depend on a lot of factors, like destination, driving ability and cost. Here we’ll answer all the important questions including key differences, advantages of each, the type of holiday and the price.

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A Guide to Car Hire Insurance

If you’re looking to hire a car, you will need to make sure you are insured against damage or theft of the vehicle and any damage to a third party. Read our guide to ensure you get the right insurance for the vehicle you have hired and the country you are visiting.

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Hiring an Electric Car

With the huge environmental impact of petrol and diesel cars reaching the consciousness of consumers, it’s no wonder that electric car ownership is gaining popularity across the US and Europe.

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A Guide to Car Hire from the Airport

There are thousands of car rental desks across airports round the world, competing against each other in small spaces. In this guide we’ll explore whether it could be more beneficial to leave the airport before hiring a car for your trip.

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What Type of Rental Car is Right for You?

When you come to hire your vehicle, you'll presented with a number of choices, from budget to luxury cars. We've put together a guide to help you consider which type is best for you, based on features and your personal needs.

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What you need to know about car hire without a paper licence

The DVLA has scrapped the use of the paper counterpart traditionally issued as standard with your driving licence. But what does this mean for drivers who hire cars and will the alternative system cause difficulties for drivers? We’ve answered a few questions surrounding the topic to help keep you up to date with the changes.

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A Guide to Car Hire Costs

We like to think our car excess insurance is nice and straightforward. Your car rental agreement however, might not be so easy to understand. With this in mind, we’ve put together a guide to car hire costs.

View article

Manual vs Automatic Car Hire

Hiring a car for your holiday comes with a lot of questions, mainly: should I get a manual or an automatic? Your choice will depend on a lot of factors, like destination, driving ability and cost. Here we’ll answer all the important questions including key differences, advantages of each, the type of holiday and the price.

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Can I hire a car without my driving licence?

It is inadvisable to turn up to a rental desk without your driving licence. However, if you have misplaced it you may still be able to hire a car without your licence.

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Car Hire Tips

Take a look at our guide to the most important things to consider before, during and after you rent a car.

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Hiring a Car with a Towbar

We are living in the sharing economy. These days we are happy to share taxis, homes, even our pets with complete strangers! This development offers great opportunities – especially with caravans. Instead of purchasing your own, you can rent or borrow one, and set off on a great holiday adventure.

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Car Club Membership and Insurance Explained

We explain the benefits of using car clubs as well as providing some advice on how car club insurance works.

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A Guide to Car Hire Insurance

If you’re looking to hire a car, you will need to make sure you are insured against damage or theft of the vehicle and any damage to a third party. Read our guide to ensure you get the right insurance for the vehicle you have hired and the country you are visiting.

View article

Hiring an Electric Car

With the huge environmental impact of petrol and diesel cars reaching the consciousness of consumers, it’s no wonder that electric car ownership is gaining popularity across the US and Europe.

View article

Car Hire: Common Hidden Costs & How to Avoid Them

To find out why people are paying more than they need to for car rentals, insurance4carhire surveyed 1000 people in the UK who hired a car in Europe.

View article

 

Read more articles from Adam about car hire, excess insurance, and driving and travel tips in our blog.

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