Annual Short Term

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When would you like your policy to end?

Driver Age

Excess Insurance covers the excess for both bodywork damage and theft claims. Select this when Collision Damage Waiver (CDW), Theft Protection (TP) and Third Party Liability Insurance (TPLI) cover are already provided with your car hire, but where you are responsible for a large excess and/or you want cover for the glass, underbody, roof and tyres/wheels of the vehicle.
Excess and CDW will provide excess reimbursement as above, but also cover you if you have no CDW or TP. Most car rental agreements include CDW, although if you are renting a car directly in the Americas you may find you are renting a car with no CDW cover. Some car hire firms can also make it optional (Sixt do with some rentals through their website). CDW and TP is sometimes referred to as Loss Damage Waiver (LDW).
Excess, CDW and SLI provide excess reimbursement, CDW and TP as above, but also cover you if you have limited liability insurance. SLI is secondary insurance designed to add to any liability insurance your car rental company may provide, and typically increases your liability insurance to a total of US$1m. Normally only required in the Americas, although exceptionally elsewhere. Some, but not all, policies will provide a lower level of primary insurance in the event that the law of a US state deems the policy to provide primary liability coverage.

Please review and tick all boxes to continue...

You will use a credit card at the car hire desk

You understand the security deposit will be taken from your credit card

Name on Policy and Car Hire Agreement will match lead driver's name

Are you happy to pay the first £250 of any claim you might make?

If so please slide the button to green. Then we will show policies both with and without a policy excess. You may be able to make a saving by doing so, but it will reduce the total you can claim, and in the case of smaller claims such as punctures, wheel damage or lost keys you may not be able claim at all.

Your Details

We only use this information to:

Email you a copy of your results.
Let your chosen insurer pre-fill your application. Insurers can't use any data supplied for any other purpose, including marketing.
Address any servicing queries that might arise and request your feedback regarding the services provided.

Please use the name and age of the lead driver so your policy can be prepared accurately.

The email address should indicate where policy documents should be sent.

Email Address

Phone Number

First Name

Last Name

Our Newsletter

Please tick this box to get the most out of your car hire insurance policy. We will keep you informed via email about car hire insurance, car hire, and other services we offer.

Our newsletter is highly regarded and well reviewed, so we do recommend it, but if want to unsubscribe you can always do that at any time.

We will never share your details with other companies for marketing purposes.

Save up to £50 on your Car Hire

Tick if you would like to save up to £50 on car hire which you book through our sister site Clarify Car Hire. You will receive a separate email from Clarify to the email address supplied above containing a unique voucher code.

Let's just check Vehicle Hire Excess Reimbursement Insurance will work for you.

By proceeding you:

Will confirm your details with any insurer, check you are eligible to buy the policy and ensure it meets your needs.
Understand the policy must be purchased before you collect the vehicle.
Understand that no policy will cover you if travelling to a country or region when the FCDO advise against travel
Have read and agree with our terms and conditions, privacy policy and initial disclosure document.
Finally to let you know how we are funded. We save the insurers on our site money that they would otherwise spend on advertising so they offer our users discounts and pay us a small commission for each policy sold - which we in turn share with those who recommend us. This enables us to keep the site going and employ a customer service team (who are there to help you both before and after purchase) - so please do use our links when you proceed to buy a policy - as without that we could not continue to offer this service. Thank you!

Please make sure there are no errors in your details form

IMPORTANT - BEFORE PROCEEDING

Please check that you have correctly provided your age in the details section as this can affect the price of policies.

Also as you have not provided your full details quick buy will not work fully, and we will not be able to send you details of your quote

If you would like a quote sent to you please make sure that you are providing at least a correct email. If you don't want us to contact you, leave the fields empty.

You may need to rekey, correct or amend your details when you click out to any insurer if full details are not provided.

Having checked your age please continue below if you prefer not to provide us your details.

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Price

The total amount you will pay for your policy

Total Excess Claim Limit

This is the total excess claims limit.

Excess Payable on Claims

The excess you must pay if you make a claim on your excess insurance policy.

Underbody, Roof, Glass, Wheels Cover

Indicates whether cover is provided for underbody, roof, wheels (including tyres) and glass (Windscreens, Lights, and Mirror) damage is included. This is often excluded from hire companies' Collision Damage Waiver cover.

Unless a specific figure is shown cover is provided up to the overall policy limit.

Lost Key Cover

Cover for lost keys and key cards.

Lock Out Cover

Claim limit should a locksmith be called out and charged for if you lock the keys in your rental vehicle. This must be arranged through your hire firm, as you would be held responsible if a third party locksmith caused any damage.

Curtailment (per day / per hire)

Cover limits for curtailment, which is when there is a need to return the car early due to the main driver's sickness.

Drop Off Cover

Cover limits should the hire firm need to arrange collection of your vehicle due to the driver's sickness.

Misfuelling

The policy limit for claims if incorrect fuel is put in the vehicle. Please note that this will only cover the costs of removing the incorrect fuel, not any mechanical damage caused if the vehicle is subsequently driven.

Battery Cover

The claims limit should you be held responsible for charges by your hire firm following a flat battery.

Out of Hours Collection Cover

Details the limit to which you can claim should your flight be delayed beyond the normal opening hours of your hire firm and you are charged as a result.

Hotel / Travel Cover

Details the limit of any cover that reimburses you for either hotel or alternative travel arrangements should your car be involved in an insured incident.

Separate limits for hotel and travel costs may apply.

Personal Accident

The maximum amount that can be claimed under any personal accident cover. Please check the policy for details as some policies only cover the policyholder, whilst others will cover all occupants of the car.

Baggage Cover

Covers luggage in your vehicle. Please read the policy to check for security requirements, which might include items being in a locked boot, or removed at night.

Towing Cover

Whether the policy covers towing charges to return the vehicle to the hire station. Policies do not provide breakdown cover (similar to the AA / RAC) as it is the hire company's responsibility to hire you a vehicle that is fit for purpose during your rental period.

Road Rage Cover

The maximum amount that can be claimed should you be involved in a road rage event. Some companies require evidence of costs, such as medical or counselling bills.

Car Jacking

The maximum amount that can be claimed should you be involved in a carjacking event. Some companies require evidence of costs, such as medical or counselling bills.

Interior Damage

Claims limit for claims relating to interior damage. Interior damage caused as part of an accident claim would be covered separately under the standard excess or CDW section.

Cancellation Cover

The limit of cover for cancellation, payable if you need to cancel your rental due to specified reasons such as illness or sickness of a relative. Please see individual policy details for more information.

The symbol ££ indicates that this can be added to the policy at extra cost.

Administration Fees Cover

The claim limit for administration fees if you are charged by your hire firm for preparing a damage report. Companies showing a green tick or say yes, but show no limit, do not have a separate limit for admin fees and do not limit the amount as long as the total claim does not exceed the single incident claim limit.

Loss of Use Cover

Loss of use covers you for costs charged by rental firms if they cannot hire out the car for a period because of damage you are responsible for. Where the answer is Yes, rather than a specific limit, loss of use charges will be paid as long as the total claim does not exceed the single incident claim limit.

Are Peer to Peer Car Club rental agreements covered?

Are Peer to Peer agreements covered? These are through websites which allow private individuals to rent their cars to others.

Is Volcanic Ash covered in Iceland?

Many car hire companies in Iceland exclude damage from Volcanic Ash, Sand and Gravel from their standard cover, but offer an additional policy to cover this.

If indicated policies cover claims up to the policy limit if locally provided SAAP (or similar protection) has not been taken.

Available to Purchase Once Abroad

Some policies can only be purchased before you leave your home. This indicates whether the policy can be bought if you are already abroad.

Maximum Age of Vehicle

Cars up to this age can be covered. If, however, you are hiring a car which may have been out of production for over ten years please check the policy wording, as additional restrictions may apply.

Maximum Value of Vehicle

Cars up to this value can be covered. If you are hiring a performance vehicle check policy wording as some have additional limitations relating to acceleration speeds.

Can I use the vehicle for business?

Whether you can claim for damage if you are using the vehicle for business purposes.

Auto Renewal Automatically Applied?

Auto renewal is often offered or applied automatically by insurers. With car hire excess insurance there is no benefit in having a policy in force unless you are renting a car at that time. If auto renewal is automatically applied you can always contact the insurer separately after purchase to request cancellation of this feature.

Dual Lead Driver / Family Policies

Shows whether the policy will allow you to add other drivers who can hire cars in their own name, and the criteria they need to meet to qualify.

Maximum Number of Additional Lead Drivers

The number of additional dual lead drivers who can hire cars in their own name that can be added to the policy.

Can two or more cars be hired at the same time?

Indicates if policies allow two drivers to hire cars at the same time. Most policies do not allow this.

Can policy be cancelled within a 14 day cooling off period?

Whether you are able to cancel the policy during a 14 day cooling off policy. Some policies with a duration of less than 30 days do not offer this option.

Countries You Can Use Your Policy In

You are covered whilst driving your car in the following countries.

Pickup Trucks

Will this policy cover pickup trucks as long as the vehicle meets other policy criteria including value, type of use, and capacity.

Driving Licences Covered

Indicates the driving licence required to meet the policy requirements.

Additional Driver Residency Rules

If additional drivers are to be covered by the policy they must reside in the following countries.