How Does Excess Insurance Work?

Car hire firms often charge large excesses if their hire car is stolen or damaged. Our Excess insurance provides protection against excess costs & more...

The Problem

When you hire a car in Europe the rental company usually covers the car against loss or damage, however you may still have a large excess to pay if the car is damaged or stolen whilst in your possession.

The excess amount charged by hire companies varies but is often in excess of around £1,000 to £2,000.

The Solution

When you take out one of our excess policies, we cover this excess up to £6,000 per claim so that in the event of a claim you will be reimbursed for this cost.

Can I get this cover from my car hire provider?

Some hire companies offer their own policy to remove the excess but this may only be possible to purchase at the rental desk and can cost significantly more. A recent survey of 7 leading European car rental providers in April 2014, comparing 7 day rentals of a Ford Focus or equivalent in 10 European Countries found similar cover to cost on average no more than £10 more per day than our own policy.

What if my hire car provider won't accept your cover?

Direct Car Excess insurance can be used with ALL hire car providers. Occasionally a hire car provider may incorrectly say that your Direct Car Excess policy cannot be used with their cars. Some may even try to sell you their own, often more expensive cover. Don’t worry, your Direct Car Excess Insurance is separate from your hire car agreement and will cover your excess charges, up to £6,000 per claim, whoever your hire car provider.

What's not covered by the Direct Car Excess policy?

Insured drivers must be UK residents aged between 21 and 85. There is no cover for travel in Afghanistan, Cuba, Liberia, Sudan or countries where the Foreign Office has warned against all but essential travel. 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.