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Car Hire Excess Insurance

Claim back the excess charged by car hire companies if your hire car is damaged or stolen.

  • Cover for up to seven additional drivers named on your rental agreement, as standard
  • Choose from single trip and annual car rental excess cover options
  • Collision Damage Waiver (CDW) and Supplementary Liability Insurance (SLI) available with our Worldwide Plus cover

Visit insurance4carhire’s website and buy your excess protection online in minutes:

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What does car hire insurance cover?

Planning a holiday?

With insurance4carhire, you can buy your policy now and start your cover up to 364 days later – and if your flight is unexpectedly delayed, we can even cover late pick-up charges.

Additional drivers

Need to share the driving? All policies allow cover for up to seven additional drivers, providing they’re named on the car rental agreement. Just make sure the lead name on the rental agreement matches the lead name on the car hire excess insurance policy. Sadly, the policy does not cover camper vans.

Cover for damage and theft

Our car excess insurance policy covers you for damage and theft of the vehicle up to £6,500 per year. The policy also includes damage to windows, tyres, undercarriage, roof and headlights which can be excluded by the car rental companies own cover. We won't however cover; losses caused by accidental damage to the interior or contents of the rental vehicle or courtesy car caused by wear and tear or carriage of animals.

Car clubs and courtesy cars

If you’re a member of a Car Club, such as Zipcar or Car City Club, you can also benefit from excess protection to supplement your car club insurance. We can't currently cover schemes such as easyCar Club where there is no rental agreement in place. We’ll also provide excess cover for courtesy cars. So if your personal car is in the garage for repair, we'll cover the excess for the courtesy car your insurer provides. We can't currently cover schemes such as easyCar Club where there is no rental agreement in place.

Not sure which rental car insurance you need? We like to keep things simple so the table below shows the options available on each policy:
  Single Trip Annual Europe Annual Worldwide Annual Worldwide Plus CDW & SLI
£6,500 of excess protection

Damage to windows, tyres, roof and undercarriage
Key cover up to £2,000
UK Car Club rentals
Courtesy cars
Supplementary Liability Insurance (SLI) up to $1 million      
Collison Damage Waiver (CDW) up to $125,000      

Car Hire Excess Insurance Claims

Claiming is easy, you'll be assisted by an expert claims handling service provided by AIG. All you need to do is:

1. Log in to your existing client area and access our online claims portal.
2. Submit your claim with the supporting information.
3. Payment will be sent to your chosen bank account.
If there’s an issue or you have a question, simply call the team for assistance on 0344 892 1770.

Claiming for CDW and SLI?

Show the rental company a copy of your insurance4carhire car hire excess insurance policy and they can contact the claims team on your behalf. That way the rental company can claim the money from the insurer and you won’t be left out of pocket.

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Car Hire Excess Insurance FAQs

Will my car hire insurance policy be still be valid for trips to Europe after Brexit?

Yes, our car hire insurance will continue to be valid in Europe for UK residents.

Do I need an International Driving Permit after Brexit?

The International Driving Permit (IDP) is a document that validates your licence to be able to drive abroad. Please check local driving restrictions before you travel to see if you need this.

Will my insurance4carhire policy be valid after 1 January 2021?
  • Living in the UK and Isle of Man – your policy will not be affected.
  • Channel Islands residents – if you already have a policy with insurance4carhire, your current policy won’t be affected. However, we will be unable to invite your policy for renewal when it is due.
  • Non-UK residents – if you already have a policy with insurance4carhire, your current policy won’t be affected. However, we will be unable to invite your policy for renewal when it is due.
  • Channel Islands and non-UK residents renewing your policy after 1 December 2020 – unfortunately, we will not be able to invite your policy for renewal after 1 December 2020 and you will need to source an alternative provider.
  • Channel Islands and non-UK residents who have pre-purchased a policy to start after 1 January 2021 – if you’ve purchased a policy to start after 1 January 2021, your current policy won’t be affected. However, we will be unable to invite your policy for renewal when it is due.

If we are unable to invite your policy for renewal, we will contact you directly before it is due to confirm this.

Do I need a Green Card if I hiring a car abroad?

No, if you are driving a hired vehicle you do not require a Green Card. Green Cards are only required if you are driving your own vehicle.

What if I hire a car in the UK, and want to drive it abroad?

If you’re hiring a car in this country and intend to drive the car to and in the European Economic Area, you will still need a Green Card. You will need to speak to the rental company to request one from their insurance provider.

What is the European Economic Area (‘EEA’)?

The EEA includes EU countries and also Iceland, Liechtenstein and Norway. It allows them to be part of the EU’s single market.

Switzerland is neither an EU nor EEA member but is part of the single market.

Will the E111 / EHIC health agreement still be valid after Brexit?

No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.

It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.

How long can I hire a car for?

On our annual car hire excess insurance policies, you can hire a car as many times as you like in the 12 month period of your policy, providing you don’t exceed 60 continuous days per rental.

Do I need to be a UK resident to purchase your car hire excess insurance?

As long as you’re a resident of the UK or Isle of Man, you can purchase a policy with us.

Is cover provided if I lose my keys?

Yes. Cover is provided up to £500 per claim and up to £2,000 per year.

Am I covered if I accidentally miss fuel my vehicle?

Yes, these things happen – we can cover you up to £500 per claim and up to £2,000 per year.

Are there any countries not covered?

Some U.N. sanctioned nations are not covered such as Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe. A full list is available from the GOV.UK sanctions, embargoes and restrictions page.

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