Daily Versus Annual Car Hire Insurance

insurance4carhire offers you the flexibility to cover your car hire excess for a length of time which suits you. So whether you hire a car regularly or just for a few days per year, we can provide a cover period to match.

Daily and Annual Car Hire Excess Insurance

There are differences in the levels of cover (more on that below), but the key difference is that daily car hire excess insurance policies are available for periods of up to 62 days at a time and can cover you almost anywhere in the world*. With daily policies, you’ll have to take out a new policy every time you take a new trip and get a new car rental agreement.

Annual car hire excess insurance policies on the other hand allow you to cover your excess for up to 60 days at a time as many times as you like over the course of 12 months. You won’t need to take out more than one policy - just pay once and you’re covered for the year.

*UN sanctioned countries excluded

Level of cover

Our daily and annual car rental insurance policies offer slightly different levels of protection. It's therefore important you check the policy cover before you buy to ensure you have the correct cover in place for you car hire adventure.

Which is Cheaper: Daily or Annual Car Hire Excess Insurance?

At Insurance4carhire, our daily excess insurance is more cost effective if you are hiring a car for less than 18 days (or 14 days if only travelling in Europe) and you will not be hiring a car again within the year.

However, if your car rental will last more than 18 days, or you’re renting a car again that year, our annual excess insurance policies will usually be better value.