Your hire car usually comes with inclusive car rental insurance to cover three areas:

1. LDW/CDW (Loss / Collision Damage Waiver) – to cover damage to the rental car.
2. TP (Theft Protection) – to cover the car, or part of the car, if it is stolen or damaged during an attempted theft.
3. Liability/SLI (Third Party Liability) – the minimum cover that’s mandatory in most countries.

HOWEVER, on the Damage and Theft portions, the car rental insurance is only reducing what you are personally liable for, and there is often a car hire excess to pay in the event of having to make a claim. In Europe this can be a few hundred pounds. In other countries it can be as much as £1500.

ALSO windows, tyres, the roof and the undercarriage of the car are usually excluded (i.e. not covered). These are the parts of the car most prone to damage and often not covered by the car hire company’s insurance.

Insurance4carhire proides car rental excess insurance to reduce your excess to zero. If you are hiring a car a few times a year then it makes sense to take out an annual excess insurance policy, from only £49. There are a number of policies available depending on where you will hire the cars, how many people you want to be insured for the cars, and how many days at a time you will be away on each trip. See our products page to find out more. You can take a daily excess policy at only £4.75 if you will only be hiring a car for a few days – or you are hiring a car close to home.

The policies will cover all named drivers on the car hire agreement plus any damage to the roof, windows, tyres and undercarriage of the car.

Find a policy that’s right for you: