Whether you’re hiring a car in the UK for a work trip or heading out on a European road trip, don’t take chances on expensive excess costs. Our Car Hire Excess Insurance can reimburse your excess costs of up to £6,500 and provide cover for up to seven additional drivers named on a rental agreement.
What is a car hire excess?
Most insurance policies have an ‘excess’ or ‘deductible’ amount; this is the amount that you’d need to pay towards the repairs or replacement. When you hire a car, the rental company will have the core car insurance in place on the vehicle, but excess fees will be your responsibility.
For example, if your hire car is damaged or stolen, you’ll be responsible for paying the excess amount while the rest of the claim will be covered by the rental company’s insurance. Let's say that a car hire agreement asks for an excess of £1,000, you have an accident and the price to repair the damage is £3,000. You'd need to pay the £1,000 excess fee and your rental firm would pay the remaining £2,000.
What is Car Hire Excess Insurance?
If you have an accident, or you need to pay towards the damage on your rental car, having Car Hire Excess Insurance in place means that you'll be able to claim back the excess cost.
While you'll initially have to pay towards the claim, the excess insurance means that you'll be reimbursed up to your maximum cover amount, which you'd otherwise not get back.
Car Hire Excess Insurance is designed to protect you from pricey excess charges should you run into the unexpected. Our Car Hire Excess Insurance also provides cover for hired cars from car clubs and rental companies.
What types of Car Hire Excess Insurance are available?
We offer single and multi-trip cover for UK, EU and worldwide trips.
Why choose insurance4carhire at Swinton?
• Up to £6,500 excess cover per year
• UK & EU policies include misfuelling, car key and flat battery cover
• Cover for drivers aged 21 to 84 inclusive
• Covers up to 7 additional drivers
• Courtesy car cover
• Online portal to manage your policy
• Cover can be arranged right up until the collection of your hire vehicle
