Welcome to ReduceMyExcess
Driving down the cost of your car hire.
Stand-alone car hire excess insurance, providing you with an alternative to costly excess waivers from car hire companies.
Special Offer - Save 10%

Your 10% discount will be applied automatically when you get a quote.

Your Policy Benefits

No excess

We will reimburse the full amount deducted from your card by the car rental company for damage to the car, up to the limit on your policy.

Worldwide

You have a choice of either UK & Europe cover or Worldwide cover.

Annual or daily

We offer short term cover for a one-off trip or an annual cover for multiple trips.

High excess limit

Standard cover limit of £7,000.

Multiple drivers

Any drivers named on the car rental agreement are covered automatically provided they are between 21-84 years of age and hold a valid driving licence.

Great coverage

We cover Cars and 4x4s with up to 9 seats and a purchase value of up to £65,000.

Tyres, windscreen & undercarriage

The cover includes damage to the tyres, windscreens, undercarriage, misfuelling and towing costs of the rental vehicle.

CDW

Choose the Worldwide+ cover to include $50,000 increased excess reimbursement cover in USA and Canada

Free Family cover

Add up to four members of your immediate family, that live at your address, to your policy, so they are covered when they hire a car.

How Does Excess Insurance Work?

1. AT THE CAR HIRE DESK, YOU ARE OFFERED EXCESS WAIVER YOU SAY: “THANKS, BUT NO THANKS!”

2. THEY PRE-AUTHORISE YOUR CREDIT CARD FOR THE VALUE OF THE EXCESS

3. COLLECT YOUR CAR NOTING ALL EXISTING DAMAGE ON THE FORM AND TAKE PICTURES OF ANY DAMAGE.

4. ENJOY YOUR TRIP KNOWING YOU’VE PAID A GREAT PRICE TO COVER YOUR EXCESS.

5. RETURN THE CAR CHECKING IT OVER WITH THE REP WHO WILL THEN CONFIRM IF THERE IS ANY EXCESS TO PAY.

6. IF THERE IS NEW DAMAGE YOU PAY UP TO YOUR EXCESS AND GET A RECEIPT.

7. LEAVE THE DESK HAPPY KNOWING THAT YOUR ReduceMyExcess WILL REIMBURSE THE EXCESS CHARGE.

8. COMPLETE OUR CLAIMS FORM AND SUBMIT

Why Choose ReduceMyExcess?

No admin fees

We like our customers too much to charge them admin or any other hidden fees.

Get insured instantly

We’ll email you your documents within seconds, and that’s it, you’re all set for your trip

Great value

We strive to offer a competitively priced product and with no hidden fees, what we say is what you pay!

We put our customers first

Our great reputation has taken us years to build and we’re really proud of what our customers say about us! We do all we can to make customers feel special, so you stay with us, recommend us, and want to take out more cover with us.

Great coverage

We endeavour to offer you great coverage. We highlight all cover levels during the purchase process to ensure you fully informed.

Underwritten by global insurer XL Catlin

Our Underwriters insure around £10 billion making them ones of the largest insurers.