USA & Canada Car Hire Excess Insurance Plus CDW & SLI

Collision Damage Waiver, Supplemental Liability Insurance and excess cover in one policy

£119.99

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Car rentals in the USA and Canada often exclude Collision Damage Waiver (CDW) and a level of liability cover that is offered as standard with car hires in many other parts of the world.

  • Car hire excess cover simply covers any excess you would have to pay your car rental company in the event of a claim
  • Collision Damage Waiver is designed to cover you should you collide with another car
  • Supplemental Liability Insurance covers the cost of any damage caused by your car, to another.

Note that this is our Annual Worldwide Plus CDW & SLI Car Hire Excess Insurance policy and will cover your car hire rentals worldwide, not just in the USA and Canada.

What does this policy 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)
  • Rental periods of up to 60 consecutive days
  • Collision Damage Waiver: up to $125,000, or the value of the rental vehicle or the value of the claim (whichever is the less)
  • Supplemental Liability Insurance: up to $1 million. However, in the US, you’re covered up to $250K if the state law deems this policy to provide primary liability coverage
  • Cover for your courtesy car (the vehicle loaned to you while your rental car is being repaired), or if 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 $125,000 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. For van hire excess insurance, visit our van hire excess insurance page
  • Cover for policyholders that are not resident in the UK, Channel Islands, France, Spain, Italy, Sweden, The Netherlands, Republic of Ireland or Germany.

USA & Canada Car Hire Excess Insurance FAQs

What is USA and Canada Car Hire Excess Insurance Plus CDW and SLI cover?

USA and Canada Car Hire Excess Insurance Plus CDW and SLI is a policy which covers your car hire excess, in addition to providing Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI). If you’re hiring a car abroad (mainly US or Canada), you may need additional CDW and SLI coverage – it’s best to check your rental insurance to see if this is covered. If it isn’t, our Annual Worldwide Plus policy can provide this.

What is the difference between Super CDW, non-waiver and the deductible?

These terms are all interchangeable and mean the same thing as an 'excess'.

What is a Loss Damage Waiver?

A Loss Damage Waiver (LDW) is just another way of saying Collision Damage Waiver (CDW).

What is SLI/ALI?

Supplemental Liability Insurance (SLI), also known as Accident Liability Insurance (ALI), provides cover in the case that you injure other drivers or their vehicles. This tends to come as standard with car rentals in Europe, but in countries such as the USA and Canada, it often isn't included in your car rental. Our policy offers SLI for customers driving in USA, Canada, the Caribbean, Mexico, South and Central America only.

Do car rentals include insurance?

All car rentals include some insurance as standard, with an excess to pay towards car repair or replacement costs, should you need to make a claim. Car hire excess insurance will cover you against this cost. However, in some countries such as the USA and Canada, Collision Damage Waiver (CDW), which is often included as standard in Europe, is not included, meaning that if you were to damage the car, you would be liable for the full cost of repairing or replacing it. This policy combines excess insurance, CDW and SLI in one policy.

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