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helpWhere you are permanently resident.
helpAnnual - will cover multiple rentals for the maximum duration of 62 days per rental.
Daily - will cover one rental for the maximum duration of 62 days.
helpEurope - The continent of Europe, including the United Kingdom and all countries west of the Ural Mountains, islands in the Mediterranean, the Canary Islands, Madeira, Turkey, the Azores and Iceland, but not including Egypt, Israel, Morocco and Tunisia.
Worldwide - Anywhere in the world* apart from Cuba, Iran, Syria, North Korea or the Crimea Region.
helpPolicy Start Date (All policies start at 00:00).
helpPolicy end date (Allpolicies end at 23:59).
helpAnnual & Daily Policy - The person applying for this policy should be named lead driver under the rental agreement.
Add an additional driver.

This product meets the demands and needs of a person who wishes to ensure they are reimbursed for any excess payment they have to pay if their rental car is damaged or stolen. Available for UK, Isle of Man and Channel Islands residents only. You must be between 21 and 85 years old to purchase

When you hire a car, the rental price will usually include insurance which covers you for accidents and theft. However, if your rental car is damaged or stolen, you may still have a large excess to pay. So let Direct Car Excess take the worry off your shoulders.

Need assistance call us on 0333 323 0208
(Monday to Friday 9:00am to 5:00pm).

What is Car Hire Excess Insurance?

When you hire a car, the rental price will usually include insurance which covers you for accidents and theft. 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 rental 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 company’s insurances. We also cover you for stolen baggage, rental key replacement costs and administration charges.

What Does It Cover?

Up to £6,000 excess reimbursement for car hire per claim (£7,000 maximum per period of insurance) in the UK and abroad

Physical Loss or 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

No payment fees

Full benefit schedule >>

Purchase an annual policy covering unlimited car hire agreements in the year or purchase a single trip covering one rental.

Cover for rentals taking place in Europe or Worldwide

We cover vehicles with a retail value up to £60,000

Underwritten by American International Group UK Limited. (AIG) trusted by customers in 70 countries.

What Is Not Covered?

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. Direct Car Excess Insurance can reimburse you for this excess payment.

Please note:

Insured drivers must be UK residents aged between 21 and 85.

There is no cover for travel in Cuba, Iran, Syria, North Korea, the Crimea Region or countries where the Foreign, Commonwealth & Development Office has warned against all but essential travel.

No single car hire exceeding 62 days is covered

The policy will not cover claims if the policyholder has not taken out Collision Damage Waiver whether from the rental company or otherwise

Certain types of vehicle are not covered, these are listed in the policy document and frequently asked questions.

These policies do not cover electrical or mechanical breakdown.

Please see the policy documents for full details of the cover and the terms, conditions and exclusions that apply.

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