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Frequently Asked Questions

Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to call us during normal office hours or contact us by email. We will endeavour to respond to any queries within 24 business hours.

Download our Policy Wording
Download our Terms of Business

Why Should I Use ReduceMyExcess?
Why buy from ReduceMyExcess - what is ReduceMyExcess’s customer philosophy?

Since 2011 it has been our objective to offer our customers a reliable, competitive and easily purchased alternative to Car Hire Companies’ Excess Waiver available directly from Car Rental companies.

We are passionate about providing the type of service that our customers expect and deserve. We will answer phone calls promptly and we will help you in any way we can. We will not charge administration fees to make changes to your policy. We will make a fair charge if you increase cover and make an equivalent refund if you reduce your cover. Everything we do is fair and transparent.

Why buy from ReduceMyExcess - why should I buy from ReduceMyExcess and not from a car rental desk?
“The policies sold by the rental desk often cost more than the rental itself and turn a bargain into a rip-off.” - The Daily Telegraph 21st April 2017.

Car rental companies typically charge multiples of our charges to reduce excesses. Excesses are often high (£1000 is typical) and claims are quite common. Our product is reliable and very cost effective.

About ReduceMyExcess
Who is ReduceMyExcess?

ReduceMyExcess is a trading names of Eversure Limited, a company based in Guildford, Surrey. We're a specialist company that has been trading since 2008 and sold tens of thousands of insurance policies.

Eversure Limited is authorised and regulated by the Financial Conduct Authority. Details may be found at the foot of this page. We're also a proud a Member of the British Insurance Brokers' Association.

Is your policy protected by the Financial Services Compensation Scheme?
Yes, we are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Most insurance contracts are covered for 90% of the claim. Please read the Policy Wording for further information.
Who underwrites the policy?
Our insurance is underwritten by Catlin Insurance Company (UK) Ltd. Catlin Insurance Company (UK) Limited is part of the XL Catlin Group. XL Catlin Group ranked first for London market claims service satisfaction and broker favourability in the Gracechurch London Claims Report 2014.
Is there an excess on this Policy?
There is no excess on this policy, the amount deducted from your card by the rental company will be the amount returned to you by ReduceMyExcess.co.uk, up to the limit specified in your policy documents.
What are the main restrictions on your policies?
Unless as a result of damage caused by an accident, we do not cover engine parts that should be properly maintained by the rental company, such as clutch, engine, sump, catalytic, converter, battery and radiator. Were we to cover these, there would be no incentive for the rental company to maintain these whatsoever.
About Car Hire Excess Insurance
What is car hire excess insurance?

In Europe car hire generally comes with full insurance but is subject to an excess typically of £1000 or even more. In the case of damage to the hire vehicle or any third party, the rental customer will be required to pay costs up to the excess limit, and the car hire companies insurance will cover the remainder.

It is this excess that is covered by the standard ReduceMyExcess.co.uk policy.

In the US the situation is more complex as typically the rental company only covers third party claims (through supplementary liability insurance) leaving the entire value of the vehicle uninsured. ReduceMyExcess can cover this (max $US 50k) if the CDW option is selected.

Our car hire excess insurance also offers additional cover levels, some of which may not be covered by the car hires excess waiver. The details of these additional covers can be found here

How Does It Work?
If you have an accident or a loss whilst hiring a rental car, the rental company will normally claim the excess directly from your credit card that you will have provided at the time of rental. It is this amount that the standard ReduceMyExcess.co.uk policy will reimburse to you.
What is the excess when renting a car?
Excess or Deductible - the amount of Excess you must pay under the terms of your Car Rental Agreement because of damage to the Rental Vehicle. The Excess is the difference between the amount of the damage caused to the rental vehicle and the amount covered by the Collision Damage Waiver (‘CDW’) or additional insurance cover from the rental vehicle company. If you purchase Excess Waiver or Non-Waiver from the rental company you should not be responsible for the excess, but check your agreement. If you do not purchase the Excess Waiver or Non-Waiver, but purchase our cover, if you pay an excess we will reimburse you, subject to the terms, Conditions, Limitations and Exclusions of our Policy Wording. Remember the car hire companies Excess Waiver or Non-Waiver is usually several times more expensive than our cover.
What is CDW excess?
Collision Damage Waiver (‘CDW’) is usually, but not always provided by the rental company in Europe.

Without this cover, if damage to the rental vehicle exceeds the Excess, you would otherwise be responsible for the full amount. In other words, you may be responsible for the entire vehicle value.

Collision Damage Waiver (‘CDW’) may sometimes be referred to as Loss Damage Waiver (‘LDW’). Rentals in the USA, Canada, South Africa, Australia and other countries may not include CDW, check your rental agreement.

What is SLI insurance?
Supplemental Liability Insurance (‘SLI’) is similar to the UK’s 3rd party insurance, in other words if you hit a 3rd party or their property this cover will meet the liability. We do NOT provide SLI cover. European rentals should always include SLI, but check your Agreement.
Is this insurance suitable for fly-drive programmes?
Yes, if the rental vehicle comes from a bona fide car rental company.
What is the excess on insurance?
The car rental company normally has an excess which is your share of the cost of insurance claim caused by you in relation to your rental. Our policy is designed to fully reimburse you for this subject to our £7000 for the period of the contract limit.
What Is Covered
Geography
Am I covered for hiring a vehicle in the Channel Islands?
Rentals in The Channel Islands (and the Isle of Mann) are covered under all our policies. But you must be a UK resident to purchase our policy. Residents of the Isle of Mann and Channel Islands may NOT purchase our policy.
Does the policy cover car rental in the UK?
Yes, all our policies cover rentals in the UK, Channel Islands, Northern Ireland and the Isle of Mann. But you must be a UK resident to purchase our policy. Residents of the Isle of Mann and Channel Islands may NOT purchase our policy.
Do I need European or Worldwide cover?
European cover will cover you in Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United Kingdom. We also include the Channel Islands and the Isle of Mann, the Azores, the Canary Islands, Islands in the Mediterranean and Madeira. For all other countries (see exclusions below), you will need to purchase Worldwide cover, this includes the Faroe Islands
What are the geographic restrictions on your policies?
We do not provide cover for any trips in, to or through Afghanistan, Belarus, Burma, Congo,

Crimea/Ukraine, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe.

Neither do we provide cover for any trip to any country, or region thereof, in the world where the Foreign and Commonwealth Office has issued a Travel Advisory against all travel, or all but essential travel, to such country or region. A list of these countries can be seen on their website.

Am I covered for driving on unsealed and/or private roads?

Various hire car companies will apply restrictions for where you can drive their rental vehicles. Many car hire companies have stipulated that their rental vehicles are not to be driven on unsealed roads. If this is the case and you drive the rental vehicle on an unsealed road, then our policy will be invalidated. However, provided the car hire company agrees that you may drive on unsealed roads and they are a public highway then the excess is covered by our policy.

Our policy will only cover you for driving on public highways. Therefore, all roads not intended for normal public use are not covered by our policy. Driveways to accommodation, such as hotels, where you are staying are intended for normal public use and so are covered.

Drivers
Can I cover other drivers?

As the policyholder, you are covered for car rental agreements taken out in your name, as shown on the certificate of insurance.

However, as an additional benefit for Annual Policies you may nominate up to up to four members of your immediate family who reside at the same address as yourself who could take out a car rental agreement in their name, i.e. they would be the lead driver who signs the car rental agreement.

This is useful when members of the same household travel independently at different times and require cover. However, we will not cover concurrent rentals i.e. we will only cover one rental contract at a time.

Additionally, this policy will also automatically cover all additional drivers aged between 21 and 84 years (inclusive), providing they hold a valid and internationally recognised driving licence and are named on the car rental agreement.

Are There Any Age Limits?
Yes: You must be aged between 21-84 at the start date of your policy for cover to apply.
What types of vehicles are not covered?

The vehicle must not be a motor home, trailer, caravan, van, truck, non-passenger carrying vehicle, vehicle that carries more than 9 people including the driver, motorcycle, moped, motorbike, off-road* or recreational vehicle.

The vehicle must not have a retail price in excess of £65,000 (or currency equivalent), and not be more than 10 years old.

* 4x4 vehicles are not excluded if they are being driven on public highways and not going off-road.

Vehicles
Can you Cover Courtesy Cars or Car Club Cars?

The Car Club must be licensed in the United Kingdom to provide vehicles for hire and the vehicle must meet our definition of a 'Rental Vehicle'. The vehicle may NOT be privately owned. Please read the Policy Wording for further information.

In the event of a claim you must be able to provide a damage report from the Car Club including copy invoices, receipts or other documents confirming the amount you have paid in respect of the damage to the hired vehicle for which you are seeking reimbursement and, where possible, photographs of the damage. You must also be able to provide a copy of your membership Agreement and a copy of the repair invoice from the repairing garage. Please also see our Policy Wording for details of how to Claim.

Can you cover vehicles such as Mercedes Vito luxury 9 seater vans?
Yes, these vehicles are covered under our ReduceMyExcess policy. 9 seats including the driver is the maximum we can provide for. Please note that we cannot cover minibuses or commercial vehicles.
Does the policy cover for windscreen damage, tyres or underbody?
Yes, we specifically refer to damage to auto glass, as well as damage to the roof, tyres and underbody of the Rental Vehicle in our Policy Wording as these are usually specifically excluded by the rental companies.
Are lost keys covered?
Yes, in the event that you are charged a fee for loss of keys we will reimburse you.
CDW
What is CDW excess?
Collision Damage Waiver (‘CDW’) is usually, but not always provided by the rental company in Europe.

Without this cover, if damage to the rental vehicle exceeds the Excess, you would otherwise be responsible for the full amount. In other words, you may be responsible for the entire vehicle value.

Collision Damage Waiver (‘CDW’) may sometimes be referred to as Loss Damage Waiver (‘LDW’). Rentals in the USA, Canada, South Africa, Australia and other countries may not include CDW, check your rental agreement.

I have taken out CDW with my car rental firm. Is the $US 6000 excess covered by the ReduceMyExcess policy?
Yes, this is exactly what our Standard cover does. It insures the excess on the CDW.
I have not taken out CDW with my car rental firm so if I have an accident I am responsible for the full value of the car. Is this covered by the ReduceMyExcess policy?
Only if the car rental is in the USA or Canada and you have opted for our CDW Excess Plus which provides up to US $50,000 cover.
Claims process
The car rental company is making me pay for a scratch that I did not do?
Unfortunately this happens quite often especially in relation to minor scratches and bumps. You should challenge the claim, in the first instance you can do this through your credit card company disputes team. We are happy to provide you with free guidance on how you can dispute claims. Call us on 01483 347322
How do I make a claim?
You need to download our form and follow our Policy Wording or the guide that we have on our website here.
What happens if my excess on the car rental is higher than your single incident limit of £7,000?
Our policy can only pay out maximum excesses of £7,000 during the lifetime of the policy.
Purchasing a policy
When will my cover start and how do I get my documents?

Your cover may start in the future or as soon as you make payment. It is important to note that our cover MUST start before you collect the hire car.

Documents are sent by email, due to internal spam controls we do not recommend that you use your employer's email address and if your documents do not arrive within a few minutes please check your Junk or Spam folder first. If you still cannot locate your documents please email us at customer.service@ReduceMyExcess.co.uk. We will reply during normal business hours. Sending us an email should add us to your 'safe' email list and your Internet Service Provider should now allow our email through. We are, of course, available during normal office hours if you need help. In the unlikely event that we cannot get an email through to you, please notify us and we will post documents.

You do not need our documents before you collect your car, you simply need to purchase and arrange for our cover to start before you collect your car.

Does the car hire company need to see my Certificate of Insurance?

No. Our policy, subject to the terms & conditions of the Policy Wording, reimburses you for the amounts that are taken by your car hire company from your credit card. In the event of an excess deduction by your car hire company you need to ensure that you collect all the documents and evidence as described in our Policy Wording. When you return home you reclaim the excess deductions from us.

They may still try and sell you their additional excess waiver policy, but you may simply decline as you are covered. The coverage is between ReduceMyExcess and yourself and so the car rental company does not need to approve it.

Are my credit or debit card details safe?

When it comes to making a payment you will be sent to a secure encrypted page which is operated by SagePay. Sage Pay was founded in 2001 and known as one of the most trusted payment companies in Europe.

We do not hold your credit or debit card details, only they do.

I've extended my car rental and my Single Trip policy is due to expire and you're not open - what can I do?
If you have SINGLE TRIP cover, your cover needs extending and your cover is going to expire before we are next open, i.e. it is the weekend, a public holiday or before 09:00 or after 17:30 (outside of office hours), the only option available to you is to buy another policy from our website BEFORE your existing covers expires. In order to maintain continuous cover, this additional policy must start immediately after your existing cover expires and cannot come to an end until after the hire car has been returned. Please see our Terms of Business under 'Cover Information' for further details.
How many trips does the annual policy cover you for ?
You may have as many car rental agreements as you like during the Annual Policy as long as the maximum trip length (term of the rental agreement) does not exceed that stated on your certificate of insurance. Remember, our policy can only pay out maximum excesses of £7,000 during the lifetime of the policy although you may make multiple claims up to this limit.
My credit card has travel insurance including Collision Damage Waiver (CDW)?
If you have CDW cover with your Credit Card you need to determine whether it includes excesses, if it does not you will either need the rental company’s Excess Waiver or Non-Waiver or our insurance.
Can I upgrade my policy?
You may upgrade you cover at any time provided that this before your rental agreement commences.
What methods of payment does ReduceMyExcess accept?
We accept all major credit and debit cards including VISA, Mastercard, Maestro and American Express.
What happens if I have to make changes to my policy or cancel it shortly after I have purchased?
We do not charge Mid Term Adjustment or Cancellation fees if an alteration to cover is requested. We only charge what is due for any additional cover. There are no Cancellation Rights for single trip policies under 30 days and in the event that you cancel an annual policy after the 14 day cooling-off period then you will receive a pro-rata refund.
I am an annual policyholder. What happens at renewal?
Regardless as to whether or not you have kept the Automatic Renewal option, we will always write to you at least 28 days in advance of your renewal date advising what action is required if any. If you have opted for auto-renewal we will renew your policy unless you advise us not to.
Who are Feefo?

Feefo are an independent ratings and reviews provider. We employ them to independently gather reviews about our Car Hire Excess Reimbursement Insurance and these are anonymously published in the Public Domain.

If you click Feefo's logo on our home page you may read about what our customers have to say about ReduceMyExcess.co.uk.

If you purchase, feefo will also send you a follow-up email and ask you to provide a Review for ReduceMyExcess.co.uk. This takes less than a minute, your name will not appear in the Public Domain and we really appreciate all feedback.