Let's compare car hire excess insurance

Check out our car hire excess insurance providers

Renting a car abroad often requires paying an excess if the vehicle gets damaged. This excess can be hundreds of euros that come out of your own pocket. Protect yourself by getting car hire excess insurance before picking up your rental. It covers the excess charged by the rental company in case of theft, damage, or accidents. For a small daily fee, car hire excess insurance gives peace of mind that you won't face expensive fees. Compare policies online to find the right protection level and price for your trip. Then drive worry-free knowing a reputable provider has you covered if the unfortunate happens.

Compare Car Hire Excess Insurance
Car Hire Excess Insurance Quotes
Reduce My Excess Car Hire Excess Insurance

Reduce My Excess Insurance

Car Hire Excess Insurance from Reduce My Excess can include and offer the following cover(s)


Included Single Trip
Included Annual Cover
Included Van Cover
Excluded Non-UK residents

from £45.06 per year
rated Excellent on Trustpilot
pay Annually or Monthly
No discounts currently
Eversure Car Hire Excess Insurance

Eversure Car Hire Excess Insurance

Car Hire Excess Insurance from Eversure can include and offer the following cover(s)


Included Single Trip
Included Annual Cover
Included Van Cover
Excluded Non-UK residents

from £42.80 per year
rated Great on Trustpilot
pay Annually or Monthly
No discounts currently
Better Safe Car Hire Excess Insurance

Better Safe Car Hire Excess Insurance

Car Hire Excess Insurance from Better Safe can include and offer the following cover(s)


Included Single Trip
Included Annual Cover
Included Van Cover
Excluded Non-UK residents

from £22.50 per year
rated Excellent on Trustpilot
pay Annually or Monthly
No discounts currently
InsureFor Car Hire Excess Insurance

InsureFor Car Hire Excess Insurance

Car Hire Excess Insurance from InsureFor can include and offer the following cover(s)


Included Single Trip
Included Annual Cover
Included Van Cover
Excluded Non-UK residents

from £8.99 per year
rated Poor on Trustpilot
pay Annually or Monthly
No discounts currently
It's important to know

Beat That Quotes cannot and do not accept liability for the content displayed on external links. We may receive a commission from the sale of any policy for those providers with a green style "Get Quote" button. The panel information above is checked and updated every 3 months (90 days) and therefore may be slightly out of date. Please contact the car hire excess insurance provider directly for discount related issues.

Car Hire Excess Insurance

Compare Car Hire Excess Insurance Quotes

Renting a car makes traveling in a new place more convenient and flexible. But before driving off, it’s important to understand the rental agreement. Most contracts require paying an excess, which is a large fee that comes out of your own pocket if the vehicle gets damaged or stolen. Excess fees often range from £500 to over £1,000 - enough to put a huge damper on your trip budget. Thankfully, you can protect yourself by getting car hire excess insurance. Here’s what to know about this valuable type of coverage.

What is Car Hire Excess Insurance?

Car hire excess insurance is supplemental coverage that pays the excess charged by the rental company if your rented vehicle sustains damage in an accident, theft, or act of vandalism. Without it, you are liable for covering the entire excess cost yourself according to the terms and conditions of the rental agreement. This excess fee is charged on top of any repair or replacement costs that will be covered by the rental company's standard insurance. Car hire excess insurance steps in to cover your portion of the responsibility so you don’t take a big financial hit.

Key Benefits of Excess Insurance

By protecting yourself from expensive excess charges, you can drive your rental car freely without worrying about every scratch or fender bender. Car hire excess insurance gives the freedom to adventure confidently.

When Do You Need Excess Insurance?

Any time you rent a car, you should consider purchasing standalone excess insurance:

Even renting domestically for a road trip can expose you to excess fees from £200 up to over £1,000. Unless paying several hundred pounds out of pocket is feasible for your budget, excess insurance is recommended to avoid the worst case scenario. The small investment brings big peace of mind.

What to Look for in a Policy

When choosing an excess insurance provider, keep the following factors in mind:

By evaluating these key considerations, you can select a reliable policy that reduces risks and fits your travel plans.

How Excess Insurance Works with Rental Cars

During online checkout or when picking up your rental car, you will be offered basic coverage through the rental company, often called Collision Damage Waiver. This covers damage to the vehicle itself along with theft or loss. However, it does not cover your responsibility for the excess. This is where independent excess insurance comes in, protecting you for your portion of damages or loss assessed by the rental company. You can now rent any vehicle knowing your personal assets are safeguarded.

The Next Step

Overall, car hire excess insurance is a small price to pay for peace of mind when renting abroad. Drivers of all ages and experience levels can benefit from this supplemental coverage. Be sure to secure a policy promptly after booking your rental car for full protection. Then you can hit the open road stress-free knowing you are fully covered from excessive charges. Drive safely and enjoy the journey!

Frequently Asked Questions

Car hire excess insurance is not typically required by law, but rental companies often strongly recommend it to protect against high excess charges in case of damage or theft. While it's not mandatory, having car hire excess insurance can provide peace of mind and financial protection during your rental period.

Yes, car hire excess insurance is typically available to anyone renting a car, regardless of whether they are the primary driver or an additional driver listed on the rental agreement. However, it's essential to check the policy terms and conditions, as some providers may have restrictions or limitations based on the rental agreement and driver details.

Car hire excess insurance policies typically exclude coverage for damage caused by driving under the influence of alcohol or drugs, as well as other illegal activities or reckless behavior. If you damage the rental car while driving under the influence, you may be personally liable for all repair costs and legal consequences, as insurance coverage may be voided in such situations. It's crucial to always drive responsibly and abide by the laws and regulations of the road.

Car hire excess insurance policies typically cover standard rental vehicles, including cars, SUVs, and vans, rented for personal or business use. However, coverage may vary depending on the insurance provider, so it's essential to check the policy terms and conditions for any restrictions or limitations on vehicle types.

If you don't have car hire excess insurance and the rental car is damaged, you will be liable for paying the excess amount specified in the rental agreement, which can be substantial. It's essential to consider the potential financial consequences and risks of driving without adequate insurance coverage, especially when renting a vehicle in a foreign country or unfamiliar environment.

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