Car Hire Excess Insurance

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Once your car hire has been booked for your upcoming trip, you may want to consider looking for insurance to cover any excess you could liable for whilst the car is in your possession. Rental companies will tend to include standard insurance in their rental package but will usually offer top-up insurance to cover your excess. These top-up insurances can work out to be very expensive and often work out to be more than the car hire booking itself.

You can get excess insurance from a third-party provider who will insure the excess you are liable for any damage to the car; these policies can be purchased on a daily or annual basis depending on your requirements. You can purchase a car hire excess policy from around £2.99 per day but it is important to note that these policies must be purchased before you travel or sign the hire agreement.

Car hire excess policies are indemnity policies, which means the policy puts you back into the same financial position as before an incident occurs.  You may need to settle the payment with the rental company for the damages, the rental company would usually charge your credit card once the damage has been discovered. Once you have settled with the rental company, you would then submit a claim with your car hire excess insurance provider for reimbursement, just remember to keep hold of any documents provided by the rental company. This type of policy is perfect if you’re looking to make your trip run seamlessly and effortless.

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