Car Hire Excess Insurance Frequently Asked Questions

We’ve collated frequently asked questions about our car hire excess insurance policies.

Car & Van Hire Excess Insurance

The excess, known as a deductible in some countries, is the amount you are liable to pay to the car rental company should you have an accident or return the car damaged. 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 an excess by your car or van hire company, we'll reimburse you provided it’s covered by the policy. Full details of what is and isn’t covered can be found in the policy wording.

Many of our customers ask us to clarify what exactly an excess/deductible is. It is a fixed amount that the insured is liable to pay in the event of a claim. For example, let’s say your car gets damaged which costs £2,000 for repair, and you have a deductible of £500. You would be liable for the first £500 of the claim, and the car rental company's insurance would cover the remaining £1,500.

An excess/deductible for your rental car can vary and will be dependent on the vehicle you’re hiring. Deductibles can typically range from £500 up to £1,500*, even for a small prang. If you decline the car rental company’s excess insurance, you may be required to leave a deposit on your Credit Card equal to the amount of excess you’ll be liable for.

In the event of damage or theft, the excess/deductible will be charged to that card. If you hold an insurance4carhire policy, you’ll be able to claim this back. Just be sure to check our terms and conditions to see whether it’s covered.

*Based on findings for quotes with Budget, Hertz, Avis, Firefly, Goldcar, Dollar and Sixt in May 2019.

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

  1. Choose not to purchase. If you do subsequently damage the vehicle or if it is stolen, you will be liable for the excess charge.
  2. You can purchase it from the car rental company, at the counter when you collect the car, but the costs can be quite high. 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 insurance4carhire. Our wide range of policies are cheaper than over the counter car hire company excess cover - and you do not need to take our the car rental excess policy, if you have a policy from insurance4carhire. 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.

Many people are often confused as to what excess reimbursement insurance actually is. Does it cover the full insurance of the vehicle for example? Or is it covering Collision Damage Waiver?

Excess insurance is designed to reimburse excess charges imposed by the car rental company, following damage or theft of the vehicle. Say your excess for your car rental were 700 EUR; your vehicle got damaged and the cost of repair were 1,000 EUR. In this instance, you would pay your excess of 700 EUR to the car rental company and the car rental company’s insurance would cover the rest. You’d then need to collate documentation to support and submit your claim.

You may find that car rental companies do not provide cover for damage to the windows, headlights, roof, tyres and undercarriage. This means that you may be left liable for the full cost of these. But don’t worry, your insurance4carhire policy will cover you for them. Just be aware that we don't provide cover for any accidental damage you may have to the interior of the vehicle.

When you hire a van, your van rental company will include insurance cover for the duration of the rental period. However, this cover will typically include a large excess should an accident occur. For vans, this excess limit can be thousands of pounds. For this reason, you will usually be offered excess cover when you arrive at the rental desk to pick up your van.

Our daily van hire excess policy can be purchased up to a year in advance, so that you may be reimbursed your excess should your rental van be damaged or stolen during the rental period.

We cover for damage to the windows, tyres and wheels, headlights, the undercarriage or the roof of the rental vehicle. We will repay you the amount of any charges or repair costs that you have to pay under the terms of the rental agreement. The van hire excess insurance covers up to a maximum total of £6,500 on the excess.

For daily commercial vehicle hire excess insurance, visit our van hire excess insurance page.

The excess varies depending on the car rental company, the type of vehicle you are hiring and the destination you are travelling to. With a policy from insurance4carhire, you can be reimbursed up to the value of £6,500 per year.

First of all, you’ll need to have a driving licence and for most car rental firms, you need to be over the age of 25. In some cases, if you’re under the age of 25, a ‘young driver fee’ may apply which can cost more.

The lead driver will also need a credit card for the rental company to put a ‘hold’ or a ‘block’ on; equal to the amount of excess you’ll be liable for. Most car rental firms will not accept Debit Cards, and will not accept anybody else’s Credit Card.

You may want to consider covering your excess with insurance4carhire. In the event that you’re charged your excess for damage or theft, you’ll be able to claim this back – just make sure you check our terms and conditions to see whether it’s covered.

Another tip is to check the fuelling policy!

The answer is none. All the above mean the same thing. Different car rental companies use different terminology which can be confusing.

A ‘Collision Damage Waiver', sometimes referred to as Collision Damage Cover or Loss Damage Waiver (LDW) is a basic insurance cover which covers the rental vehicle against damage and theft. We cover up to: (a) $125,000; (b) the value of the rental vehicle; or (c) the value of the claim; whichever is the least amount.

Not all car rental companies will include Collision Damage Waiver when you hire a car, so it’s always worth checking ‘what’s included’ before you hire. Without this, you may be left liable for the full cost of the vehicle.

Collision Damage Waiver is often subject to an excess, which can range between 500 EUR and 1,500 EUR*. Your insurance4carhire policy is designed to cover the excess you are liable for. It will also include damage to the windows, tyres, undercarriage, roof and headlights which may be excluded from the car rental company’s insurance. Just be aware, we won’t provide cover for any accidental damage you might have to the interior of the vehicle.

*Based on findings for quotes with Budget, Hertz, Avis, Firefly, Goldcar, Dollar and Sixt in May 2019.

Each rental company will operate in their own way, and charges will vary. Some rental companies will include CDW as standard, and some will not.

If you are visiting Canada, the Caribbean, Central America, South America or the USA, then CDW insurance doesn’t always come as standard. For this reason it's worth checking before you get to the car rental desk to avoid any unexpected charges.

In the case that Collision Damage Waiver is not provided to you by the rental company, we can offer it to you under our Annual Worldwide Plus CDW & SLI policy. For anywhere else in the World, it normally comes included but in some cases you may have to pay extra. So check before you buy!

Tip: If you're booking your car hire through a US site rather than a UK site, you will likely find that CDW and SLI are not covered.

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).

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 inform your car rental company, as they could refuse to rent you a car at the car rental desk.

It’s not a legal requirement to have insurance for your vehicle in America. However, it is compulsory to have a minimum level of cover for third-party insurance. For example, in California the minimum requirement for individual bodily injury is $15,000 whereas it’s only $5,000 for property damage. The minimum can vary from state to state.

In the UK, the minimum requirement for car insurance is third-party cover which tends to provide cover for millions of pounds.

You can top up your third-party insurance with our Annual Worldwide Plus CDW & SLI policy which, in addition to car hire excess cover, will cover you for Supplemental Liability Insurance and for Collision Damage Waiver, for damage and theft of the rental vehicle.

Making a Claim

No, there is no excess to pay when you make a claim with us.

Once you have successfully submitted your claim online, though the claims portal, the insurer (AIG) will aim to pay your money into your account within 12-15 working days. Please note the settlement will be based on the final amount of the invoice up to the limit on your policy and not the amount blocked on the payee's credit card before they have received the invoice. We will not settle a claim before the final invoice has been provided by you.

Please note that claims are only reviewed once all documents and claim details are given to AIG and/or added to the portal.

All claims must be notified as soon as possible after the event which you are claiming for occurred. Please submit your claim and your supporting documents using our online claims portal. When logging in for the first time, you will be prompted to create a password.

If you make a claim with insurance4carhire, you do not need to tell your car insurance company as the claim is for the excess charged by the rental company only and not connected to your car insurance.

Policy Specific

There is no need to add them to your insurance4carhire policy. All our policies automatically allow you to cover up to seven additional drivers per rental, as long as each driver is named as an additional driver on your rental agreement.

The lead driver on the rental agreement must be the insurance4carhire policy holder. The lead driver and each additional driver must be aged between 21 – 84 at the time of purchase and a resident in the United Kingdom, the Isle of Man or the Channel Islands.

No, additional drivers cannot hire a car on their own. The policy holder on the Insurance4carhire policy always must be the person named as the lead driver / car club member on any rental agreement. The policy holder can include up to seven additional insured drivers as long as each additional driver is named on the rental agreement.

If you require two family members to be a lead driver so they can hire two separate vehicles simultaneously or hire cars separately, you will need to purchase our joint policy. This policy is available to family members related in the following ways: by marriage, civil partnership, engagement, parent-child, child-in-law, parent-in-law, sibling, sibling-in-law. Our joint policy option is available with our Annual Europe and Annual Worldwide car hire excess policies.

Our Joint policies, formerly known as 'Family & Partner' policies, enables two family members to purchase car hire excess insurance as one policy. This means that each of these two family members can have lead driver status and hire two separate vehicles simultaneously or hire cars separately. Our Joint policy is more cost effective than purchasing two individual annual car hire excess policies.

With joint policies both policy holders are covered as lead drivers as long as they are named as the lead driver/car club member on the rental agreement. Both policy holders are covered up to the amount of the excess under a rental agreement, up to a maximum of £6,500 during the period of insurance, per policy holder as named on the certificate.

As with a standard annual policy, each lead driver is entitled to add up to seven additional drivers (provided they are named on the rental agreement), per rental agreement. insurance4carhire does not need to be provided with the names or details of these additional drivers.

*Family member means your spouse, civil partner or fiancé/fiancée, parents, parents-in-law, brother or sister, brother or sister-in-law, children or sons and daughters-in-law.

Our Joint policy option is available with our Annual Europe and Annual Worldwide car hire excess policies.

Our Annual Europe excess policy is valid for trips in all European countries to the West of the Ural Mountains including the United Kingdom, the Channel Islands, Isle of Man, Republic of Ireland, Iceland, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, and the Azores, but not including the region of Crimea.

Our Annual Worldwide excess policy and Single Trip Worldwide policy cover trips anywhere in the world excluding any trip in, to, or through Cuba, Iran, North Korea, the region of Crimea, Sudan and Syria.

Our Annual Worldwide Plus CDW and SLI policy is valid for trips worldwide - excluding any trip in, to, or through Cuba, Iran, North Korea, the region of Crimea, Sudan and Syria - and combines excess, Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI) in one policy. Note that SLI cover is only valid in Canada, the Caribbean, Central and South America, Mexico and the USA.

Our daily van excess policy is valid only in the UK, Isle of Man and the Channel Islands.

Yes, the UK has now left the European Union but our Annual Europe policy continues to cover the UK.

To purchase an insurance4carhire car hire excess policy you must be resident in the UK, the Isle of Man or the Channel Islands.

Yes, we will cover you if you drive between Northern and Southern Cyprus, providing that your rental company agrees to you doing so, as some rental companies do not provide cover for this.

You need to make sure that the car hire company in the country you are travelling to cover for volcanic ash, sand and gravel. Many car hire companies exclude volcanic ash, sand and gravel damage from their standard policy. We can cover the excess of volcanic ash, sand and gravel if the rental company covers the damage on their policy.

Our Annual Europe, Annual Worldwide, and Annual Worldwide Plus CDW and SLI car hire excess policies do not cover camper vans, caravans, trailers, trucks, motorcycles, mopeds, motor bikes, vintage cars, commercial vehicles or any vehicle for which the main use is intended to be off-road; a recreational vehicle (RV); or a vehicle with more than nine seats.

We offer single trip van hire excess cover (UK, Isle of Man and Channel Islands only). However, the van cannot exceed 3.5t unladen weight.

No, there are no differences when hiring an electric car. You still need to make sure it does not exceed the car's total worth of £120,000.

Unfortunately, there is not an option for you to extend the 60-day limit. However, you can contact your rental company and ask for the period to split into two separate rental agreements, which will involve returning the car back to the rental company and starting a new agreement with them. This means each section will not exceed the 60-day limit and you will be covered.

No, we do not cover any vehicle that has been modified.

Off-road driving is defined as driving on an 'unmade up road', for example a dirt track or land that does not have a designated roadway.

No, you will be not be covered as there is no car rental agreement and insurance in place.

Our policies do cover four-wheel drive cars on the road, provided the vehicle is being used to drive on public thoroughfares. However, we will not cover any cars off-road.

In common with many insurance intermediaries, we charge fees to customers for the services provided to them. The customer service charge reflects administering your policy and cannot be removed.

My Policy

Your insurance4carhire documents will be sent to you in your welcome email after purchase. If you are having issues accessing your documents, or require them in a different format please email us on info@insurance4carhire.com with your policy number.

If you have a smart phone or tablet, you do not need to print any documents, you will just need to show a copy of your certificate, on your device. Make sure all documents are stored on your device or saved within your emails for claim purposes.

Before printing your documents, check the print settings to ensure it is either set up to print on A4 or the scale states ‘fit to paper’.

No, your policy will not automatically renew, even upon request. If you do not want to renew the policy, then you do not need to reply to the renewal invitation; you can leave it to lapse on its own.

Yes, you can renew your policy selecting any date up to 364 days in advance.

You have a 14-day cooling off period to cancel your policy providing your policy has not commenced. 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, you will receive a pro rata refund of any premium minus the customer service charge, providing you have not made a claim or intend to make a claim.

If you have purchased this policy through a broker, you can also cancel the policy by contacting your broker.

You can check whether you have a current policy by:

  • Checking if you received your welcome email from sales@insurance4carhire.com
  • Logging in to your account using your policy number and four digit PIN (both of which would have been included in your welcome email)
  • Contacting us

Your can update your address and email by contacting info@insurance4carhire.com with your policy number.

You can locate your personal identification number (PIN) within your welcome email, which would have been sent from sales@insurance4carhire.com. If you cannot locate that email then you can email us at info@insurance4carhire.com.

We cannot upgrade car hire excess policies to include vans. We have a daily van hire excess policy (available for residents of and rentals in the UK, Isle of Man and Channel Islands only).

Yes, when you are provided with a courtesy car because your own car or a rental car is being serviced or repaired for damage, we will pay you the costs of repairs or excess relating to the courtesy car, for up to £6,500 for any one incident and no more than £6,500 in any one period of insurance.

Please note that the maximum number of days for each loan period must not exceed 60 continuous days.

Best practice has always been to contact your rental company in the first instance as they can advise you on what the next steps you should take, and what your rental agreement covers in the event of a breakdown.

We cover for towing costs resulting from the damage to the rental vehicle, or mechanical or electrical breakdown of the rental vehicle.

Other

When you arrive at the rental desk, you should decline the hire car company’s car hire excess insurance. It is not necessary to show them your insurance4carhire policy. However they will ask you to provide your credit card details, so they can put a ‘block’ on your card for the excess amount you are liable for should an incident occur whilst you are hiring the car. If the car rental company charges to your card for something covered by your insurance4carhire policy, you will be able to submit a claim to us for reimbursement.

You must ensure that your rental agreement includes collision damage waiver and theft protection cover, unless you have purchased our Worldwide Plus CDW/SLI cover.

You must ensure that your rental agreement includes third party liability cover unless you have purchased our Worldwide Plus CDW/SLI cover and are hiring a car in North or South America.

,insurance4carhire, part of The Ardonagh Group, has been working for some time to prepare for all potential outcomes for our business. We have a range of plans in place across The Ardonagh Group to serve the needs of our clients without interruption, while protecting the health and safety of our colleagues and other stakeholders.

Read specific FAQs and a full update.

Our policies do cover four-wheel drive cars on the road, provided the vehicle is being used to drive on public thoroughfares. We will not cover any cars off road.

Yes, we provide excess insurance cover for personal vehicles. See details of our car excess insurance polices.

Yes, you can use our car hire excess insurance policies for car clubs such as Zipcar.

Insurance 4 Car Hire logo
Security Icon

Security

Our payment systems are verified by VeriSign.

FAQ Icon

FAQs

For more information, or to find the answers to frequently asked questions please consult the FAQs.

Help Icon

Help

Haven't been able to find the answer to your question using the FAQs page? Visit our contact us page.

Payment Icon

Payment

We accept payment from Amex, Maestro, Mastercard and Visa cards.