Our Car Hire Excess Insurance

  • Up to €6,500 damage and theft cover per policy
  • Buy your policy from 364 days in advance up to right before you collect your car
  • Up to €500 each per claim for misfuelling and car key cover
  • Cover up to five additional drivers per rental — and there’s no need to add them to your insurance4carhire policy

Compare our options of Car Hire Excess Insurance

If you hire a rental car and suffer damage or loss as a result of theft and you need to make a claim, you may be liable to pay towards repairing or replacing the vehicle.

With our Car Hire Excess Insurance, while you’ll initially have to pay the excess charges upfront, you’ll be able to claim back the excess cost subject to your maximum level of cover.

Without excess protection from insurance4carhire, you won’t be able to claim any of your excess charge back should you run into the unexpected.

Insurance4carhire Car Hire Excess Insurance is only available for EU residents.

 

Our Car Hire Excess Insurance policies include as standard:

  • Excess insurance — Cover against excess costs of up to €6,500 in total, per year if your hire car is damaged or stolen.
  • Drivers between 21 and 84 — Cover for a wide age range of insured drivers from 21 and 84.
  • Additional drivers — Cover for up to five additional drivers, as long as they’re named in your rental agreement. There’s no need to add them to your hire excess policy.
  • Misfuelling and car key cover — Cover for each, up to €500 per claim.

We also know that car hire is different for everyone, which is why we offer two different types of policy so you can find an option that best suits your trip:

  • Single-trip policies — Cover for a single trip, for up to 120 consecutive days. Great if you’re planning to rent a car on a one-off occasion.
  • Annual multi-trip policies — Cover for multiple trips for a year, at a fixed cost (provided no single trip exceeds 120 days). This is the most cost-effective option if you frequently hire cars for travel or commuting.

We have a wide range of excess insurance options

Europe

European Car Hire Excess Insurance

Protect your finances from costly excess charges if you need to make a claim on a hire car in France, Germany, Spain, and more with our Europe Car Hire Excess Insurance.

Worldwide

Worldwide Car Hire Excess Insurance

With our Worldwide Car Hire Excess Insurance policy, we’ll cover your excess on cars hired around the world, including in the USA, Australia, Europe, and more.

USA

USA & Canada Car Hire Excess Insurance

Planning a trip to the USA or Canada? Protect against excess charges with our USA & Canada Car Hire Excess Insurance.

Australia

Australia Car Hire Excess Insurance

Our Australia Car Hire Excess Insurance will reimburse you the cost of excess charges if you make a claim on a rental vehicle in Australia.

Do you need to make a claim?

If you’ve suffered from damage or loss of your hire vehicle due to theft, and you’ve purchased an insurance4carhire hire car excess insurance policy, we’re ready to help.

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Car Hire Excess Insurance FAQs

Got a question about our excess cover? We’ve gathered some popular queries about our car hire excess insurance policies. Find your answer below:

What is a car hire ‘excess’?

If you incur damage to your hire car and need to make a claim, you may be liable to pay an agreed-upon amount that goes towards the cost of repairing or replacing the vehicle. This is called an ‘excess’. The amount of excess you’ll be required to pay is set by the hire company’s insurer, and the rest of the claim will also be covered by their insurer.

Can I get Car Hire Excess Insurance if I’m not an EU resident?

Our Car Hire Excess Insurance is only available for EU residents.

If you’re a resident of the UK or Isle of Man, you can visit our partner site Swinton for a quote.

When do I typically pay the excess on a car hire insurance policy?

You will usually have to pay the excess on a car hire insurance policy immediately at the start of a claim. After the excess amount has been paid, the car rental company’s insurer will open an investigation to find out who was at fault and whether the claim is valid or not.

With a Car Hire Excess Insurance policy from insurance4carhire, you’ll be able to claim back the excess charges subject to your cover level

Do I have to pay the excess if I have an accident that’s not my fault?

You will likely have to pay the excess for any damage that results from an accident – even if you weren’t at fault. The excess may be waived if a third-party insurer takes liability for the damage, but this can vary across providers and by country.

Need some help?

If you need to contact us, you can get in touch via Live Chat.

Our team are available 8.30am-8.30pm Monday to Friday, or 9am-5pm on Saturdays.