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Self-Drive Hire Insurance

Affordable insurance for self-drive hire companies

  • Annual cover on a rental revenue, day rate, or rate per vehicle basis – we’ll advise you about what rating basis is best for your business
  • Face-to-face insurance best-practice rental desk training for your hire operators – helping you cut the risk of vehicle loss
  • Free smartphone app to help your hire customers immediately report a claim

Contact us today for a tailored self-drive hire policy

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Features of our self-drive hire insurance include:

Bespoke cover planning

We’ll work out with you what’s the best way to insure your hire vehicle fleet, not just from an immediate pricing perspective, but in the longer term too - helping you control your future insurance spend.

Leading self drive hire insurers

We have access to a carefully-selected and growing panel of good quality self-drive hire fleet insurers, meaning we can help you find an insurer that’s able to offer you the right cover at the right price.

Dedicated fleet risk manager

Place your self-drive hire insurance through Towergate and we’ll immediately appoint a dedicated fleet risk manager to review claims experience, monitor incident type, and to work with you to implement any mutually-agreed risk improvement measures that may help you control the future cost of cover.

Instalment payment facilities

Self-drive hire insurance through Towergate means you can pay your premiums through a flexible premium finance plan. Thanks to what we believe to be a competitive rate and the payment term being fixed at the outset, your business cash flow can be more effectively managed by spreading the payments. By avoiding the initial outlay of a sometimes-significant lump sum premium, capital can be freed up for reinvestment elsewhere in the business.

Self-Drive Hire Insurance Claims

At Towergate, we believe in being proactive when it comes to your claims management. We get your insurer involved as soon as possible to reduce the time it takes until settlement, ensuring you are back on the road as quickly as possible and keeping claims costs down. In fact, the first two days following an incident are critical in the handling of your claim.

It is important to report all incidents to your insurer, including cases where there is little or no damage to your vehicle. This will help your insurance company to defend you against claims made by a third party. While all incidents should be reported directly to your insurer, our in-house team are always on hand should you need additional support or if you have concerns about the claims process.

Need to make a claim?

To report an incident at any time - day or night - please call your insurer directly using the telephone number shown on your claims card. Your claims card should be kept in your vehicle at all times so you are able to report incidents as quickly as possible.

Your insurer will correspond with you directly with the progress of your claim and they will keep us updated at all times.

Self-Drive Hire Insurance Articles & Guides

We've selected the following articles and guides for you:



DVLA Licence Validation

To reduce risk in your car hire business, it’s essential to thoroughly check each of your customer’s licences to make sure they are who they say they are and ensure that their licence is not fraudulent. Our short guide explains how to do this.

12 Tips To Tackle Vehicle Rental Crime


12 Tips to Tackle Vehicle Rental Crime

Doing all you can to keep your rental fleet secure is important. Even those running the tightest of ships can experience vehicle losses at the hands of criminals. We've put together 12 tips to help reduce the risk of crime at your car rental business.

Self-Drive Hire Insurance FAQs

We’ve started thinking about whether we should switch to self-insurance for our fleet of over 120 rental vehicles that are currently comprehensively insured under a self-drive hire motor fleet policy. What do you feel is the key thing we should consider before going down this path?

The key issue that you need to think about before going down this path is whether your balance sheet is strong enough to cope with the business paying what may typically be something between the first £10,000 and the first £100,000 of every incident. Ask an experienced insurance broker for their advice.

We know that ‘walk-in’ customers that haven’t phoned first can be particularly risky, especially if it’s late on a Friday or at weekends when it can be harder to check references. How do I best make sure that a person who is due to hire the vehicle really is who they say they are?

Thoroughly checking the customer’s driving licence is a vital first step. However, make sure you also validate the licence using the DVLA’s licence validation service, obtain further proof of identity in an insurance-approved format and always take a photograph of the hirer – and never accept cash.

The consequences of being distracted while using a mobile phone – even a handheld mobile - can be very serious indeed. What should I do to minimise the risk of a mobile phone being used by a hirer whilst driving one of my vehicles?

Not always an easy issue to manage. A good start though is to make sure your hire terms include an appropriate clause making it clear that the hirer must not use a mobile phone (even if hands-free) whilst driving – and draw this clause to your customer’s attention. If you are unsure about your legal position, ask a lawyer specialising in transport-related matters for advice.

I know that my self-drive hire motor fleet claims experience will improve if I can cut the number of accidents caused by hire customers. How do you think I could encourage people hiring our vehicles to drive better?

Have you thought about introducing a telematics-backed hirer incentive scheme that rewards the safest and most fuel-efficient hirer? Talk to a specialist insurance broker about how an incentive scheme might best be introduced. Your terms of hire may need to disclose the fact that driving style and behaviour will be monitored. We recommend you take advice on this point from an appropriate lawyer.

We regularly have up to 30 cars parked up at our premises. If several of our vehicles were vandalised at the same time, would there be just the one excess applied to the claim as a whole, or would an excess be applied to each vehicle damaged?

Most self-drive hire motor fleet policies are worded in such a way the excess will be applied to the loss or damage relating to each vehicle involved in the same event. If you have say a £500 excess and twelve vehicles were damaged, the total excess is likely to be £6,000. Needless to say, the higher the excess, the greater the risk of excess aggregation.

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