Car Hire Excess Insurance

Specialist cover from just £2.18 per day or £37.57 per year

Car Hire Excess Insurance
  • £5,000 Excess Reimbursement
  • Rentals in the UK
  • Europe or Worldwide Cover

Eversure Car Hire Excess Insurance

Please Note: You may make more than one claim under any section of this policy, but in total we will not pay more than the amounts shown under each section for any single claim, or in total for multiple separate claims during any one period of insurance.

About Our Cover As Selected: UK, Europe and Worldwide
Sum Insured Notes
Section 1: Excess Reimbursement £5,000 Maximum limit includes towing costs and adminstration charges
Increased Excess Reimbursement Cover in USA and Canada US $50,000 Optional Cover Section - upgrades Section 1 maximum limit
Towing Costs £1,000
Administration Charges £5,000
Section 2: Personal Possessions £300 Maximum £75 per item
Section 3: Personal Accident £10,000 Maximum limit including sub-sections
Loss of Limb £5,000
Loss of Sight £5,000
Permanent Total disablement £10,000
Death £10,000
Section 4: Lockout & Key Cover £500 Maximum £100 for Locksmith Charges
Section 5: Misfueling £500
Section 6: Curtailment of Rental £300 Maximum £30 per day
Section 7: Drop Off Charges £300
Section 8: Road Rage & Car Jacking £1,000

Cover Information

We will pay up to £5,000 for any physical loss or damage to the rental vehicle for which you are responsible for under the terms of your car rental agreement. If you have purchased worldwide cover with our Increased Excess Reimbursement Cover in USA and Canada, we will pay up to USD 50,000.

This section includes loss or damage to windscreens and any auto glass, roof, tyres and the under body, fire, theft, vandalism, towing costs and loss of use of the rental vehicle.

Period of Insurance

Cover will take effect from the time you (the Insured Person) take legal control of the rental vehicle and will cease at the time the rental agency assumes control of the rental vehicle whether at its business location or elsewhere. Cover shall be subject to a maximum period of 15 days in respect of any one single trip car rental agreement, or to 31 days per trip/rental under the annual option.

Geographical Limits

United Kingdom

The United Kingdom (England, Scotland, Wales, Northern Ireland)

Europe

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United Kingdom. We also include the Azores, the Canary Islands, the Channel Islands and the Isle of Man, Islands in the Mediterranean and Madeira.

Worldwide

Any country not already included in the definition of the United Kingdom or Europe.

USA and Canada

The continental United States, Alaska, Hawaii, Puerto Rico, Guam, the Virgin Islands of the United States, and Canada.

Key Policy Exclusions (see Policy Wording for all exclusions)

  • Trucks, non-passenger carrying vehicles, motorcycles, mopeds, recreational, motor homes, trailers or caravans, vans, or off-road vehicles (such as ATV's or Dune Buggies).
  • We cannot cover vehicles with more than 9 seats
  • Vehicles with a purchase value of over £65,000 or currency equivalent
  • Vehicles that are over 10 years old
  • Operation of the rental car in violation of the terms of the rental agreement
  • We cannot cover driving off the Public Highway, including Safaris
  • Supplemental Liability Insurance ('SLI') NOT included
  • Make sure that you have the hire car company's SLI / ALI - bodily injury and property damage to a third party excluded.
  • To take out our insurance you CANNOT be a non-UK Resident (Channel Islands and Isle of Man residents also excluded).

If your rental car is damaged, lost, or stolen during the rental period, Eversure Car Hire Excess Insurance will provide reimbursement of any excess charge you are obliged to pay under the terms of your car rental agreement up to £5,000.


  • Purchase online before collecting the rental car, we send documents by email
  • Up to £5,000 Excess Reimbursement Cover
  • Option to increase CDW cover for USA & Canada rentals to USD 50,000
  • Daily cover of up to 15 days per rental
  • A choice of either 31 or 62 days cover per rental agreement for annual policies
  • UK rentals included (No minimum distance)
  • Eversure Car Hire Excess insurance is underwritten by Catlin Insurance Company (UK) Ltd. Catlin Insurance Company (UK) Limited is part of the XL Catlin Group.
Key Policy Features
  • £5,000 Excess Reimbursement
  • Optional $50,000 Excess Upgrade for USA & Canada
  • £1,000 Towing Costs
  • £5,000 Administration Charges
  • £10,000 Personal Accident
  • £300 Baggage Cover
  • £500 Key Cover
  • £100 Lock Out
  • £500 Misfueling
  • £300 Curtailment of Rental
  • £300 Drop Off Charges
  • £1,000 Road Rage
  • £1,000 Car Jacking
  • Drivers aged 21 - 84
  • Cars and 4x4 Vehicles
Important Information
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Eversure Insurance is a Member of the British Insurance Brokers' Association