Cover the excess on a year's worth of car rentals
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Hiring cars around the world? Avoid paying for your car hire excess insurance each time at the rental desk with our Annual Worldwide car hire excess insurance. This 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 - and you need to make a claim with your car rental company - simply pay the excess and then claim it back with insurance4carhire.
Below is a summary of the key features and benefits of our car hire excess policy.
For full details, please see the policy wording.
Below are some of the key exclusions you need to be aware of.
Full details can be found in the policy wording.
Our Annual Worldwide policy is a multi-trip car hire excess insurance policy designed to cover your car rentals worldwide. Note that this excludes driving in: Cuba, Iran, North Korea, the region of Crimea, Sudan and Syria.
Annual Worldwide car hire excess insurance could save you money if you have an accident and damage your hire car. Car rental companies often include a high excess if you need to make a claim. An annual car hire excess policy will reimburse you for this excess for as many car rentals as you make within the year, up to £6,500.
If the lead driver is an insurance4carhire policy holder, you will be covered. If the lead driver is not a policy holder, you will not be covered, even if you yourself are a policy holder. To be covered by insurance4carhire, the lead driver must always be a policy holder.
This policy is purely for car hire excess insurance, which means that Collision Damage Waiver (CDW) is not included. CDW is a separate type of cover which is often included as standard when you rent a car. However, in some countries (such as the US and Canada) it is common for CDW not to be covered as standard. If you require CDW cover, please visit our Annual Worldwide Plus CDW & SLI page.
A 'Joint' policy, formerly known as a 'Family and Partners' policy, is an add-on available with the Annual Worldwide and Annual Europe car hire excess policies which gives lead driver status to two people. It is essentially no different to a discount for buying two policies for two people living at the same address*. You will be given the option to select this cover during the quote and buy journey.
*The two Joint policy policyholders must be related in one of the following ways: by marriage, civil partnership, engagement, parent-child, child-in-law, parent-in-law, sibling, sibling-in-law.
Collision Damage Waiver (CDW) is not included in our Worldwide Excess policy. If you require CDW, we offer an annual product which includes three covers under one policy: car hire excess insurance, CDW and Supplemental Liability Insurance (SLI). Please visit our Worldwide Plus CDW & SLI page to find out more.
Car hire excess insurance is an optional insurance coverage which can protect you from the excess costs that you are required to pay in the event that your hire car hire is damaged or stolen.View article
If you’re looking to hire a van, you will need to make sure you are insured against damage or theft of the vehicle and any damage to a third party. Read our guide to ensure you get the right insurance for the vehicle you have hired.View article
In many countries, car rental insurance policies include CDW and SLI as standard. However, if you are renting in certain countries, such as those in North, South or Central America, you may need to purchase CDW and SLI separately.View article
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