Annual Europe

Annual Europe Car Hire Excess Insurance

Annual multi-trip car hire excess cover for rentals in Europe

Hiring a car in Europe? Avoid paying for your excess cover each time at the rental desk. Our Annual Europe car hire excess policy can be purchased as early as 364 days in advance, right up until before you collect your car. 

If your hire car is damaged or stolen, simply pay the excess to your car rental company and claim it back through insurance4carhire.

from €53.99

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What does Europe car hire excess cover?

What's included

Below is a summary of the key features and benefits of our car hire excess policy.

For full details, please see the policy wording.

  • The excess on damage and theft up to a maximum of £6,500 cover in total, per year
  • Drivers aged between 21 and 85 inclusive
  • Cover for up to seven additional drivers (so long as they’re named in your rental agreement). There is no need to add them to your insurance4carhire policy.
  • Rental periods of up to 60 consecutive days
  • Misfuelling and car key cover – each up to £500 per claim (max. £2,000 per year)
  • Flat battery cover up to £1,000 per year
  • Late pick-up charges due to unscheduled flight delays
  • Cover for your courtesy car (the vehicle loaned to you while your rental car is being repaired, or when your own car is in the garage and you’re given a courtesy car).

What's not included

Below are some of the key exclusions you need to be aware of.

Full details can be found in the policy wording.

  • Car rentals in which the insurance4carhire policy holder is not the lead driver on the rental agreement
  • Policies purchased after the collection of your rental vehicle
  • Cars worth more than £120,000 or over 10 years old
  • Cover for off-road driving
  • Commercial vehicles, motorbikes, camper vans, mobile homes, vans or any vehicle with more than nine seats. To insure your van hire (UK, Isle of Man and Channel Islands only), visit our van hire excess page
  • Collision Damage Waiver (CDW) or Supplemental Liability Insurance (SLI). Most rental policies include this, but some (notably in the US) do not. If you need CDW and SLI cover, visit our Annual Worldwide Plus CDW & SLI page
  • Cover for policyholders that are not resident in the UK, Channel Islands, France, Spain, Italy, Sweden, The Netherlands, Republic of Ireland or Germany.
Show policy document

Europe Car Hire Excess Insurance FAQs

Protect yourself with the UK’s most popular car hire excess insurance provider (by online traffic share 2019).

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