Car Hire Excess Insurance

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

  • Exclusive multilingual 24/7 text ‘HELP’ emergency assistance helpline as standard
  • Choose from daily or annual cover, from UK & European to Worldwide cover
  • Cover Collision Damage Waiver and Supplementary Liability Insurance on top of your excess for car hire across America

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

Get a quote

Got a question? Call our team of car hire experts:

0344 346 0510
0344 346 0510

We’re here for you Weekdays 9am - 5pm
Can’t get through right now? Request a callback

What can an insurance4carhire policy do for you?

Just text ‘HELP’ emergency assistance

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.

Cover for damage and theft

Our car hire excess 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.

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.

Car Clubs and courtesy cars

If you’re a member of a Car Club, such as Zip Car or Car City Club, you can also benefit from excess protection as standard. 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 policy you need? We like to keep things simple so the table below shows the options available on each policy:
  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

Car Hire Excess Insurance Claims

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 a 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.

Claiming for CDW and SLI?

Show the rental company a copy of your insurance4carhire 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.

Car Hire Excess Insurance Articles & Guides

Read more from Towergate Insurance:

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Wet weather driving

Driving in the rain and wet weather requires specific driving techniques and safety precautions. Our article offers tips and advice on wet weather driving for new and experienced drivers alike. Stay safe and avoid claims on your car insurance.

Car Hire Excess Insurance FAQs

How long can I hire a car for?

On our annual 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?

No, as long as you’re a resident of the UK, The Netherlands, France, Spain, Italy or Germany 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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