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  • Is your hire car fully covered?
  • Is your hire car fully covered?
    Is your hire car fully covered?
    Is your hire car fully covered?

    What is Car Hire Excess Insurance?

    When you hire a car, the rental price will usually include insurance which covers you for accidents (Collision Damage Waiver/CDW). and theft (Loss Damage Waiver/LDW). However, if your rental car is damaged or stolen, you may still have a large excess to pay.

    When you collect your rental car, the rental company may offer their own additional insurance which will reduce your excess to zero. However, this could be very expensive and may only be available at the rental counter.

    Buying ahead with Direct Car Excess Insurance could offer you a cheaper deal and provide you with peace of mind that your excess charges will be reimbursed if you have an accident or if your car is stolen. Direct Car Excess Insurance will also cover you for damage to tyres, the windscreens and undercarriage which are usually excluded from the rental companies insurances. We also cover you for stolen baggage, rental key replacement costs and Personal Accident.

    For more information, read our FAQ’s.

    What does it cover?

    • Up to £4,000 excess reimbursement for car hire in the UK and abroad
    • Damage to tyres, the windscreen and the undercarriage
    • Theft of secured baggage
    • Rental key replacement costs
    • Policyholder and all additional named drivers aged
      21 to 85 covered
    • Same price whatever your age

    Don't be left with car insurance excess to pay

    Having to pay an excess if something goes wrong with your rental car piles on the misery when your holiday has already been disrupted.

    Direct Car Excess Insurance will cover you against the entire excess fee (up to £4,000) and could save money on your car rental insurance.


    Europe & Worldwide cover

    We've got it covered. With single trip polices to European destinations for only £1.99 a day and Worldwide cover starting from only £2.99. Whether it's just you, you and your partner or your family, the price will stay the same.

    What's more, there's no excess to pay should you need to claim on any of our policies. After all, we're providing insurance which reimburses any excess. That's what car hire excess insurance is all about!


    What's not covered?

    Our Direct Car Excess Insurance is not a replacement for your hire car insurance, which you will still need to purchase from your car hire company (if it’s not already included in the rental price). Following an accident or theft, your car hire company will usually deduct the excess from your credit card - you will have to pay this and it can run into many hundreds of pounds, or more. Direct Car Excess Insurance will reimburse you for this excess payment.

    Please note: There are some countries and certain types of vehicle which are not covered, these are listed in the policy document and frequently asked questions. Insured drivers must be UK residents aged 21 to 85. See the policy document for full terms. These policies do not cover electrical or mechanical breakdown.