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Car Hire Excess Insurance

This policy provides a great value alternative to the Collision Damage Waiver offered by the Rental Company.
Available to cover just one hire, or on an Annual basis if you rent vehicles more than once a year.
Cover is available for residents of most countries worldwide.

get an instant Insurance Quote

Where do you currently live?

This should be where you are currently living at a residential address for no less than 6 months of the year

Any Questions?

  1.  
  2. Yes.
    Hires within your Home Country, in the UK, Channel Islands or Isle of Man, are covered under the Deluxe option, even if hiring in your home town. Many policies exclude hires within 150km of your home.
  3. The Lead Driver, plus any additional drivers named on the Rental agreement. Annual policies can cover up to 4 family members living at the address shown on the policy certificate, enabling any to be the Lead Driver on a rental; only one vehicle can be hired at a time.
  4. Drivers must be aged between 21 and 84yrs and named on the Rental Agreement.
  5. You are covered when driving on any Public Highway, i.e. any road made or unmade that is intended for use by the general public.
    The only exception is when travelling to/from accommodation that is only accessible by unmade road and, in these circumstances, due care and attention must be exercised to minimise risk of any damage to the rental vehicle.
  6. Rental cars that can carry a maximum of 7 people including the driver.
    - Can be used to cover a courtesy car provided under a loan agreement whilst your vehicle is being repaired
    - Deluxe covers vehicles used within a Car Club scheme, but not peer-to-peer rentals
  7. - Non-rental vehicles
    - Vehicles that can carry more than 7 people
    - Vans, Trucks, non-passenger carrying vehicles
    - Motorcycles, Mopeds, Motorbikes
    - Off-road and recreational vehicles
    - Expensive or exotic vehicles with a retail price exceeding £50,000, or antique vehicles which are over 20yrs old and have been out of manufacture for 10yrs or more
    - Rentals within a peer-to-peer scheme
    - Motorhomes, trailers or caravans - go to excess insurance for Campervans and Motorhomes
  8. Yes, if you return the vehicle damaged, even if it was not your fault, you will be held liable for the charge set by the rental company. This insurance enables you to claim back the charges including up to £50 for admin fees. There are also other benefits such as mis-fuelling cover.

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Benefits of Car Hire Excess Insurance

  • Covers Car Rental at Home or Abroad
    Renting a Car on holiday gives you flexibility to explore the area at your own pace. Short-term Car Rental at home may be necessary while your own vehicle is repaired, or for occasional use as part of a car share scheme. Whatever your reasons for hiring a car - make sure you're not left with the bill if the vehicle is damaged or stolen whilst in your care.
  • Easy to arrange insurance to suit your needs
    If you don’t hire often, we offer single hire insurance. Alternatively, if you are likely to hire two or more times a year, Annual multi-trip insurance gives fantastic value and year-round peace of mind.
  • Why pay your Rental firm's costly Collision Damage Waiver?
    Collision Damage Waiver is offered by most Car Rental companies, enabling you to remove or reduce the amount charged for damage to the car. This add-on can be expensive and may not cover all costs, particularly relating to tyres, windows and underbody.
    Our car hire excess insurance acts in place of CDW, at a much lower price and covering damage to any part of the vehicle
  • Protection
    If your holiday rental car is damaged or stolen, you are usually liable to pay an Excess, or Collision Damage charge.Even if the damage was not your fault, you will be charged.

Is a Car Rental Policy not for You?

If this policy doesn't suit your needs, we also offer:

Motorhome Rental Insurance

Hiring a Motorhome or Campervan? We cover you for excesses charged by the Rental Company following damage or theft of the vehicle, including damage to the vehicle underbody, roof, windows & tyres. Suitable for hires at home or overseas.
Max cover £5,000

Get a Quote ›

Van Rental Insurance

Hiring a Van in the UK or Europe for short-term, private non-commercial use? Cover the excesses charged by the Rental Company in the event of damage to the vehicle.
Max cover £2,500

Get a Quote ›

Minibus Rental Insurance

Hiring a Minibus in the UK or Europe for up to 17 passengers for private non-commercial use? Cover the excesses charged by the Rental Company in the event of damage to the vehicle.
Max cover £2,500

Get a Quote ›

Need to hire a Car?

If you haven't booked your Car Rental yet, click here for competitive prices! Its easy to book online through Holiday Cars Direct

Read more ›

What to look out for when buying Vehicle Rental Insurance

When you rent a vehicle you will be advised of any charges (excesses or deductibles) that will apply if the vehicle is damaged or stolen during the period of hire. These charges can vary from a few hundred dollars to the full replacement cost of the vehicle.
Taking insurance to cover the excess charges gives you peace of mind that you won't be left out of pocket.

Is this insurance the same as the cover offered by the Rental Company? It can often be confusing when faced with a choice of policies particularly if differing terminology is used. You can be confident that this policy will cover you for all charges that you are contractually liable to pay to the Rental Company if the vehicle is damaged or stolen.

Is this type of insurance compulsory?
No – you could choose not to take any insurance cover at all, but with charges often in the thousands, you would be taking a great risk
You could choose to accept the insurance offered by the Rental Company on collection, but this is often costly and may exclude elements such as the vehicle underbody, roof, windows and tyres.
Our Car Rental Insurance policy is low priced and includes damage to the vehicle underbody, roof, windows and tyres.
Remember – as this is an optional product, you can choose to decline the cover offered by the Rental Company and opt for our better value policy to claim back the charges. Although you should ensure that you have access to your insurance during the hire, the Rental Company does not need to have sight of, or approve the cover.

Pay less for your Collision Damage cover

Renting a car while overseas gives you tremendous freedom to explore your destination. But it can be expensive, especially when car rental excess insurance is factored in. Some customers are only offered a collision damage waiver when they collect their car – an often expensive fee that can further stretch the budget.

There’s no denying that a collision damage waiver can give you extra peace of mind – especially on unfamiliar roads overseas – but car rental companies often charge a hefty fee for this important add-on.

Car Hire Excess Insurance from Worldwide Insure gives you all the protection you need in the event of a collision – but for a much lower price. Many holiday makers are becoming wise to the high fees charged by car rental firms for excess cover, which is why buying separate car hire excess cover has become so popular.

Get a quote for low-cost car hire excess insurance above.

  • Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 30yrs experience in offering high quality cover at great prices.
  • We email confirmation of cover immediately for all policies purchased online - ideal for last-minute bookings.
  • Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund provided that the start date shown on your certificate has not passed and you are not claiming.