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Country Of Residence

Annual - 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.

Policy Type:

Europe - 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, North Korea, Region of Crimea, Sudan and Syria.

Where are you travelling?

Start Date:

End Date:

Number of Drivers:

Annual & Daily Policy - The person applying for this policy should be named lead driver under the rental agreement.
Add an additional driver.

This product is available for UK, Isle of Man and Channel island residents only. You must be between 21 and 85 years old to purchase.


Our Worldwide excess car hire insurance provides ideal protection and high-quality cover. A Worldwide policy takes away the sting if your hire car is damaged or stolen and there's a hefty excess to pay. We know that having your holiday disrupted is bad enough - facing a car rental excess fee makes it even worse.

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 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
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 Crimea, Cuba, North Korea, Syria, Iran 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. Please see the policy document for full details of the cover and the terms, conditions and exclusions that apply.

"Easy to purchase, information on claiming very clear, saves a fortune on buying it from the car hire companies."
- Terri Burns

"The process and outcome seemed easy and efficient."
- Georgia Foster

"No problems, got the service I expect"
- Louie Wilkinson

"Easily completed and gave me what I wanted."
- Charles Little

"Purchasing was easy, terms well-explained, and the value better than the car-hire company"s own excess cover."
- Jodie Coleman