Car Club Excess Insurance Cover

  • UK Car club rentals and courtesy cars
  • Excess on damage up to £6,500
  • Covers damage to windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car rental companies
  • Covers towing costs associated with mechanical breakdown
  • Damage caused by using the wrong fuel type: up to £500 per claim and £2,000 per year
  • Car hire key cover - up to £500 per claim and up to £2,000 per year
  • 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 fiancé(e)), travelling together or separately Our standard policy covers up to 7 additional drivers who are covered provided they are named on the rental agreement. If you think that the lead policy holder may not be present on all journeys, 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.

Car Club Excess Insurance Exclusions

  • Car hire for longer than 60 days
  • Vehicles over 10 years old
  • Vehicles worth in excess of £75,000
  • Hire of commercial vehicles, trucks or vans.
  • Hire of motorhomes, RVs, camper vans, motorcycles, mopeds, motorbikes, passenger vehicles with more than 9 seats or vehicles for which the main use is intended to be off road
  • Policyholders who are not residents of the UK,The Channel Islands, France, Spain, Italy, Sweden, Republic of Ireland or Germany
  • Damage to the interior or contents of the car unless damaged in an accident
  • Where the hire 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)

Car Club Excess Insurance Policy Documents

Did you know?

  1. As a car club member, you may be expected to pay between £750 and £1000* as a contribution (excess) in the event of a claim?
  2. The cost to reduce this excess with a car club, can be as much as £90 per year!†
  3. insurance4carhire Car Club excess insurance starts from just £42.99 for UK & European annual cover.
  4. An insurance4carhire policy will not only cover the excess on damage and theft of the rental vehicle, but it will cover damage to the windows, tyres, undercarriage, roof and headlights - often not covered by car club rental companies.

Be smart - pre-buy peace of mind.

*based on findings with Zipcar and Car City Club on 11/11/14

†based on findings with Car City Club on 11/11/14 (

Advice & Guides

What is a Car Club?

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

What is Car Hire Excess Insurance?

Car hire excess insurance is an additional insurance policy which can protect you from the excess costs that you are required to pay in the event of an insurance claim on your hire car.

A Guide to Car Hire Costs

Find out more about car hire costs and what to watch out for when hiring a car, whether you're in the UK or abroad.

Daily vs Annual Car Hire Excess Insurance

Find out the difference between daily and annual car hire excess insurance in our useful guide.

The Best Apps for Road Trips

You’ve booked your car hire, chosen your policy and are ready to hit the road. We’ve put together a list of useful apps to keep you on the right track, informed on your destination and entertained.

What type of rental car is right for you?

We've put together a guide of things to consider when choosing a rental car.