Car Hire Excess Insurance

Specialist cover from just £2.49 a day or £42.80 a year
Up to £5,000 Excess Reimbursement
Free family cover
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: Lockout & Key Cover £500 Maximum £100 for Locksmith Charges
Section 4: Misfueling £500
Section 5: Curtailment of Rental £300 Maximum £30 per day
Section 6: Drop Off Charges £300
Section 7: Road Rage & Car Jacking £1,000

Please review the Policy Wording for important information about what is covered, including full details of conditions and exclusions that apply.

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. A single trip policy has a maximum period of 180 days in respect of any single car rental agreement. An annual policy covers multiple car rental agreements but is limited to a maximum period of 31 or 62 days cover per car rental agreement.

Geographical Limits

United Kingdom

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


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.


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)

  • We do not cover GreenMotion rentals.
  • Any Vehicle that is not a car.
  • Vehicles with more than 9 seats
  • Vehicles with a purchase value of over £65,000
  • Vehicles that are over 10 years old
  • Driving off the Public Highway, including off roading & Safaris
  • Supplemental Liability Insurance ('SLI')
  • Non-UK Residents (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 up to £5,000 of any excess charge you are obliged to pay under the terms of your car rental agreement.

  • 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 single trip cover up to 180 days per individual rental agreement
  • 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 XL Catlin Insurance Company UK Ltd.

What is car hire excess insurance?

When hiring a car in Europe, the vehicle will usually be insured as standard. However, this typically won’t include the first part of any claim: the excess. In this type of arrangement, in the event of damage to your vehicle, you would be liable to pay the costs up to the excess limit, and the car hire company would likely cover the rest via its own insurance.

It is this excess that we cover you for. The excess could well cost you upwards of £1,000, so it certainly warrants some careful consideration. Our policy also covers you against damage to the windscreen, tyres and undercarriage, which may not be covered by the car hire company as standard.

Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to call us during normal office hours or contact us by email. We will endeavour to respond to any queries within 24 business hours.

Key Policy Features
  • Up to £5000 Excess Reimbursement
  • Additional Drivers named on the rental agreement covered automatically
  • Optional $50,000 Excess Upgrade for USA & Canada
  • Covers Windscreens, Tyres and Undercarriage
  • Admin Fees (loss of use) covered
  • Drivers aged 21-84
  • Cars and 4x4s up to 9 seats (inc. driver)
Key Policy Exclusions
  • Any rentals from GreenMotion
    (all other rental
    companies accepted)
  • Any vehicle that is not a car
  • Non-UK, Channel Island and Isle of Man Residents
Important Information

Eversure Insurance is a Member of the British Insurance Brokers' Association