Car Hire Excess Insurance

Specialist cover from just £2.03 a day or £40.71 a year
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Average time to pay completed claims 3.75 days
96% of Claims paid
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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 £7,000 Maximum limit includes towing costs and adminstration charges
Towing Costs £1,000
Administration Charges £7,000
Collision Damage Waiver Cover (USA & Canada only) US $50,000 Optional cover, must be selected
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

Under the Excess Reimbursement section, we will pay up to £7,000 for any physical loss or damage to the rental vehicle including windscreen, all auto glass, roof, tyres and underbody for which you are responsible for under the terms of your car rental agreement. This includes damage or loss caused by fire, theft or vandalism. If you have purchased worldwide cover with our Increased Excess Reimbursement Cover in USA and Canada, we will pay up to USD 50,000. In each case we will also reimburse towing costs of up to £1,000 following damage, breakdown or misfuelling.

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, but excluding Afghanistan, Belarus, Crimea/Ukraine, Cuba, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Republic and the Democratic Republic of Congo, Russia, Sudan, Syria, Venezuela and Zimbabwe.

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)

  • Any claim relating to a rental from the Green Motion vehicle hire company.
  • Any rental vehicle that is not a car
  • Non-UK, Channel Islands and Isle of Man Residents
  • Any claim relating to travel to any country, or region thereof, in the world where the Foreign and Commonwealth Office has issued a Travel Advisory against all travel, or all but essential travel, to such country or region
  • Any claim where the rental vehicle has been left unlocked and unattended
  • Damage caused by self-inflicted injury or illness or the use of alcohol or drugs
  • 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
  • Loss, damage or injury to third parties or their property
  • Drivers aged under 21 or over 84

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.

Do I need it?

Whilst having car hire excess insurance isn’t a legal requirement, we do strongly recommend you consider it for when you next rent a car.

Having car hire excess insurance in place offers you an extra layer of protection again any accidental damage you cause the vehicle whilst it’s in your care; as well as providing further cover for thefts, misfuelling and other unfortunate scenarios that can crop up from time to time.

If your rental car is damaged, lost, or stolen during the rental period, Eversure Car Hire Excess Insurance will provide reimbursement up to £7,000 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 £7,000 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 American International Group UK Limited

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 get in touch. We will endeavour to respond to any queries within 24 business hours.

Proudly underwritten by
Key Policy Features
  • Up to £7,000 Excess Reimbursement
  • Optional Worldwide+ Cover, excess reimbursement increased up to $50,000 in USA & Canada
  • Optional Family Cover, add up to 4 eligible family members who live with you permanently to benefit from the same cover when renting a car (only applies to Annual Cover)
  • Covers windscreens, all auto glass, tyres and undercarriage
  • Up to 8 Additional Drivers named on the rental agreement covered automatically (subject to age and licence restrictions)
  • Admin Fees (loss of use) covered
  • Drivers aged 21 - 84 (inclusive)
  • 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