Your Car Hire Excess, Covered for Less

If your hire car is damaged or stolen, you are often liable to pay an excess, which can typically cost £1,000 or more! We insure you against this sum, removing the need to take out additional insurance at the hire desk (which could cost you as much as £20 a day!).

March Sale - 10% off!

Holidays are an expensive business, and we're all about saving you money here at ReduceMyExcess. On the final page of the purchase process, use the exclusive voucher code GY95LPT to receive 10% off your purchase.Terms and Conditions apply

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Get an Instant Quote
What type of cover do you need?  
Daily Cover
From £2.48/day
Annual Cover
(up to 31 days)
From £41.83
Annual Cover
(up to 62 days)
From £66.04
Where are you going?  
inc. US & Canada

Please note, we unable to provide cover if you have already collected your rental vehicle

Key Policy Features:
  • Additional Drivers named on the rental
    agreement covered automatically
  • Drivers aged 21 - 84
  • Add up to four people living at your address to an annual policy who can also hire independently (but not concurrently)
  • Buy online before collecting hire car, and your documents will be sent via email
  • Covers Windscreens, Tyres and Undercarriage
  • Cover includes rentals in the UK
  • Up to £7,000 cover (during the term of the policy)
  • Optional $50,000 Upgrade for USA & Canada available
  • Up to 180 days cover per rental when you
    purchase daily cover
  • Cars and 4x4 Vehicles up to 9 seats (inc. driver)
  • Vehicles with a purchase value of up to £65,000
Key Policy Exclusions:
  • Motor homes, trailers or caravans, vans, trucks, pickups, non-passenger carrying vehicles, motorcycles, mopeds, recreational or off-road vehicles (such as ATV's or Dune Buggies)
  • Driving off the Public Highway, including Safaris
  • Supplemental Liability Insurance ('SLI') NOT included
  • Bodily injury and property damage to a third party (ensure you have hire car company's SLI / ALI)
  • Non-UK Residents may not take out our insurance (Channel Islands and Isle of Man residents not permitted)

View Policy Wording for more information

What is Car Hire Excess Insurance?

What is car hire excess insurance?

When you hire a car in the UK or abroad, car rental companies will usually charge the hirer an excess for any claims that arise from loss or damage to the rental vehicle, which can be anything from €100 to over €2,000!

So if you have an accident, the vehicle is stolen, or damaged, you may have to pay this excess amount to the car rental company.

Under this insurance, excess is defined as the amount for which the insured person is held responsible under the terms of the car rental agreement as a result of the physical loss of or damage to the rental vehicle, including fire, vandalism, theft and loss of use.

When you hire a car in the UK or abroad, CDW (Collision Damage Waiver), Theft and Third Party Liability are normally included in the rental price.

Additional Cover Limits
  • Up to £1,000 Towing Costs
  • Up to £7,000 Administration Charges
  • Up to £10,000 Personal Accident
  • Up to £300 Baggage Cover
  • Up to £500 Key Cover
  • Up to £500 Misfueling
  • Up to £300 Curtailment of Rental
  • Up to £300 Drop Off Charges
  • Up to £1,000 Road Rage & Car Jacking Cover
ReduceMyExcess Policy Documents

Policy Documents

Download our Policy Wording
Download our Policy Summary
Download our Terms of Business

To view our policy documents you will need Adobe Acrobat Reader installed on your computer. You are likely to have this installed already, but if not then please click the link below to download and install it:

Promotion Code - Terms & Conditions

Get a 10% discount when you use the exclusive promotional code of 'GY95LPT' before 31st March 2018.

  1. This promotion is only available to customers who purchase Car Hire Excess Insurance during the promotional period.
  2. The promotional period will run from 8th March 2018 00:00 BST to 31st March 2018 23:59 BST.
  3. Customers who make a qualifying purchase will be entitled to receive a 10% discount against the original premium payable inclusive of Insurance Premium Tax.
  4. The Promotional Code must be applied at the time of purchase before payment is made.
  5. Policies must be purchased before 1st April 2018 00:00 with a start date no more than 364 days in advance.
  6. Any return of premium for cancellation will have the same reduction of 10% applied before the return premium is paid.
  7. Any additional premium paid by the customer will have the same discount of 10% applied if the voucher is still valid.
  8. This promotion is not available in conjunction with any other promotion or offer.
  9. For users of cashback sites, such as and, cashback will not be paid in conjunction with this offer.
  10. A quotation does not guarantee acceptance and your insurance application is subject to normal underwriting rules. We reserve the right to decline your application for insurance.
  11. We reserve the right to withdraw this promotion at any time.
Your Right to Cancel within 14 Days

We hope you are happy with the cover your Eversure Car Hire Excess Insurance provides. However, if you decide that for any reason, this policy does not meet your requirements you may be eligible to cancel, but only if it is an annual policy or a policy for period of 31 days or more. Please visit Your Right to Cancel for more details of how to cancel your policy and our eligibility terms and conditions.