article
Which Classic Car to Invest in 2017
Want to a good excuse to buy a car? It's an investment! These cars may look ordinary to you today, but wait a few years and they could be making you thousands of pounds, if...
View article
Claim back the excess charged by car hire companies if your hire car is damaged or stolen.
Got a question? Call our team of car hire experts:
We’re here for you Weekdays 9am - 5pm
Can’t get through right now? Request a callback
What does car hire insurance cover?
For added peace of mind, if you have an emergency whilst you’re away of any kind, you can text ‘HELP’ and the country you’re in and you’ll receive a call back within minutes to help you resolve the situation.
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.
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.
If you’re a member of a Car Club, such as Zip Car 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.
| Daily | UK & Europe | Worldwide | USA & Canada | |
|---|---|---|---|---|
| £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 $115,000 | • |
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Claiming is easy, you'll be assisted by an expert claims handling service provided by Direct Group. All you need to do is:
1. Download an claims form or call Direct Group 0344 8542 059 and a copy will be sent to you.
2. Submit your claim with the supporting information, you can do this via email or post to our claims handlers.
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.
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.
Read more from Towergate Insurance:
article
Want to a good excuse to buy a car? It's an investment! These cars may look ordinary to you today, but wait a few years and they could be making you thousands of pounds, if...
View article
infographic
Learn about the world's most audacious luxury lodges which take you back to nature in the most spectacular secluded locations.
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.
No, as long as you’re a resident of the UK, The Netherlands, France, Spain, Italy, Sweden or Germany you can purchase a policy with us.
Yes. Cover is provided up to £500 per claim and up to £2,000 per year.
Yes, these things happen – we can cover you up to £500 per claim and up to £2,000 per year.
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.
By signing up to Towergate’s newsletter you are agreeing to receive quarterly email communications containing a range of news, top-tips, competitions and occasional offers for insurance products and/or services. Our newsletters are designed to keep you up to date with what we’re involved in, as well as other advice and content that we think you might find interesting.
Should you wish to unsubscribe please click here, or email with your details so we can carry out your request.