Very straightforward process. Recommended by Consumer Association. Variety of policies to match needs. Consistent money saving from vehicle hire companies' rates.
Reviewed by Ken MacKie 15th July 2025
Easy to use website, good excess cover, and very competitively priced.
Reviewed Anonymous 14th July 2025
easy to use & fully met my needs
Perfect cover, value for money.
Great easy simple
A good price and easy to get
Reviewed by Michele Bertano 14th July 2025
Excellent service. Quick and easy to obtain cover.
It was a good product. I was disappointed not to be able to contact anyone by phone when I needed to extend my policy
Reviewed by Margaret Edney 14th July 2025
Quick easy and economical peace of mind
Reviewed by Catriona Anderson 13th July 2025
Thankfully I haven't needed to claim, but price was right and reassurance was good to have.
Reviewed Anonymous 13th July 2025
Value for money !
Car hire excess insurance is a lot less scary than it sounds and if you ever have to hire a car, it could save you £100’s if not £1000’s in the process. At its most basic level, our car hire excess insurance (a Which? Best Buy) is an insurance policy that you take out which allows you to be reimbursed the amount of excess you have had to pay to a car hire company if you accidentally damage your hire car.
Generally in the car hire industry, UK and European car hire agreements will usually automatically include CDW (Collision Damage Waiver), theft and third-party liability. This means that if you end up damaging the vehicle, or causing damage to something else, you only need to pay out up to the excess limit, and the car hire companies own insurance will cover the remainder. However, the excess alone can still amount to £1,000 or more.
With a policy from ReduceMyExcess we’ll reimburse the excess you’ve had to pay once you’ve claimed through us, meaning you shouldn’t have to pay a penny in excess at all.
Car hire excess insurance isn’t mandatory, it’s not like car insurance and it isn’t a legal requirement when you hire a car.
Having said that, what car hire excess insurance does give you is protection and peace-of-mind that should you cause any accidental damage to your hire car you can claim through us and not let it ruin your holiday.
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.
You have a choice of either UK & Europe cover or Worldwide cover.
We offer short term cover for a one-off trip or an annual cover for multiple trips.
Standard cover limit of up to £10,000 for excess reimbursement (including admin fees) and up to £1,000 for towing costs.
The cover includes damage to the tyres, windscreen, all auto glass, undercarriage, misfuelling and towing costs of the rental vehicle.
Include up to 4 close family members who live with you permanently, they will benefit from the same level of cover when renting a car (only applies to Annual Cover)
Up to 8 additional 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.
Choose the Worldwide+ cover to include $50,000 increased excess reimbursement cover in USA and Canada
We include up to £300 of cover for your personal possessions stolen from your rental vehicle
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
We’ll email you your documents within seconds, and that’s it, you’re all set for your trip
With 100 years of experience, American International Group, Inc is a leading global insurance organisation serving customers in 80+ countries. American International Group UK Ltd is a member of the AIG group.
Our brand has a strong reputation. We listen to our customers feedback and constantly work on improving service.
With over a decade’s worth of experience in the industry, here at ReduceMyExcess we pride ourselves on providing a low-cost alternative to expensive excess waivers offered to you by car hire companies.
Our goal is to consistently put our customers first and provide the best possible service we can, whilst constantly finding new ways to help you save money of car hire excess. We even hold a coveted Platinum Trusted Service Award from Feefo signifying our continued outstanding reviews from our customers over the years.
Our policies are underwritten by globally renowned insurers AIG who recently won “Outstanding Insurer of the Year” at the LifeSearch awards and operate in over 80 countries globally, so you know you’ll be in excellent hands.
We offer two main types of policies:
Our single trip policy (as its name suggests), is best for people planning a single trip away. Our annual cover is more suited to people who are going away more than once a year. One big bonus of our annual cover is that it automatically covers up to four family members (including yourself) on your policy, just make sure they’re classed as named drivers on the rental agreement.
Geographically, our cover is also split up into three sections:
Our UK and Europe cover extends to Europe only, our worldwide cover includes the rest of the world but not USA and Canada, and our Worldwide+ which does include USA and Canada. We also offer van hire excess insurance, for those of you needing something a little bigger than your average car. Head to our van hire excess insurance page for more info.
We know that car hire excess insurance policies can be confusing, especially if you're new to them. That's why we've put together some helpful guides about some of the main policy benefits when you take out cover from us:
Our claims process is simple and comprehensive. We operate a reimbursement scheme which means you should claim through us once you have returned your car to the car hire company and they have charged you for any damage or loss. We’ll pass your claim to our claim handlers who will then look through your claim and decide the amount due back to you.
For all the information about how and when to put a claim in with us, take a look at our claims page where we dive into everything you could possibly want to know.
We’d love to help answer any further question you have. The best place to find what you’re looking for is our FAQs section.
Equally you can head to our contact us page and send our fantastic customer service team a message and they’ll be happy to provide you an answer as soon as they’re able.