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Take to the road knowing you're protected

Hiring a car when travelling abroad allows you to take to the road at your own pace, and explore new lands with the freedom you just wouldn't get from using public transport. However, we're well aware that this can initially seem like a daunting task. Once you've secured your hire car, the last thing you want is, in the unfortunate event of an accident, to be left short. In this rare instance, we want to make sure you're as protected as possible. This is where car hire excess insurance comes in.

What is Car Hire Excess Insurance?

Simply put, a car hire excess is the amount you are expected to pay towards damage and repairs to your rental car, should you be involved in an accident. Though the exact amount varies, some car rental companies can demand up to £2000, for something as little as a scratch on a car door. We're here to make sure that doesn't happen. Unfortunately, charges are all too often overlooked, hidden in the small print. As such most people are left with no choice but to pay these large fees out of their own pocket. This is where our trusted car hire excess insurance comes in. For a more comprehensive breakdown of Car Hire Excess Insurance, see here.

Holiday Extras car hire excess cover works on a reimbursement basis, meaning anything you have to pay in excesses after an accident, we will give back to you.

Note: This policy is not a motor insurance policy, nor is it a primary damage policy covering the insured vehicle. Section 1 of this policy only covers the amount of the excess you are responsible for under the terms of your rental agreement and not the full value of the insured vehicle itself.

Holiday Extras also provides travel insurance for your entire trip, or car hire excess cover as an add-on to your comprehensive travel insurance cover, should you need it. As a trusted provider of car hire excess insurance protects you against any unexpected charges from the rental company, should the hire car become damaged, or involved in an accident.

Car Hire Excess Insurance summary of cover*

Limit (up to)
Excess / Deposit reimbursement
£7,500 (£10,000 within the policy year)
Misfuelling cover
£500 (£1000 within the policy year)
Rental car key cover
- Lost, stolen or damaged keys
- Lock out

£500 (£2,000 within the policy year)

*This is a summary of the main cover limits. It is advised to read the rest of the policy for the full terms and conditions

Annual Car Hire Excess Insurance

If you're a frequent traveller, who often makes use of car hire and its services, then it's absolutely worth considering an annual car hire excess insurance policy. Annual car hire excess policies will cover you for unlimited trips throughout the year, as long as these trips don't exceed the maximum of 62 days. This means you'll not only save money the more trips you go on, it also means you won't be bogged down with the stress and hassle of securing a car hire excess policy every time.

Daily Car Hire Excess Insurance

It you're only purchasing car hire once or twice annually, then daily car hire excess insurance is most likely the best option for your needs. With daily car hire excess insurance, you only pay for each day of your car hire period. This policy is is used for single trips, that do not exceed 94 consecutive days.

European and Worldwide cover

Our excess insurance for car hire abroad covers both Europe and Worldwide**, so regardless of where you're travelling, you'll be able to rent a car with the peace of mind that, no matter where you are, if something should happen, we've got you covered.

Making a claim

To make a claim on your car hire insurance excess cover policy, there are a few things you will need, but overall the process is simple and straight-forward. Here's what you need to make a general claim:

  • Your original policy schedule, vehicle rental agreement and travel documents showing the dates and times of travel
  • Original bills or invoices you are asked to pay
  • Original receipts and accounts for any out-of-pocket expenses you have to pay
  • A copy of the driving license of the person driving the insured vehicle at the time of the accident.

**The only countries excluded from our cover are Afghanistan, Belarus, Congo, Iran, Iraq, Côte d'Ivoire, Liberia, North Korea, Burma, Sudan and Zimbabwe (as well as any destinations to which the government advises against travel).

Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.