Customer service: 01483 347322
Lines open Mon-Fri 9am-5.30pm

For policies purchased before 24th March 2016 - click here.
For policies purchased before 26th July 2016 - click here.

Make a Car Hire Excess Claim

If you need to make a claim on your ReduceMyExcess policy, rest assured we aim to make the claim process simple and efficient.

To get the claims process started we will require some basic information about your claim, so please download, print and complete our claim form.

Once you have completed the form, please post it to us at the address below. Please do not supply any additional documentation such as police reports or receipts at this stage.

ReduceMyExcess
Bury House, 1-3 Bury Street
Guildford
GU2 4AW

Alternatively, you can email a scanned copy of the completed claim form to us at customer.service@reducemyexcess.co.uk.

You should, where possible, contact us within 90 days of you being charged by the car rental company.

Please quote your policy number as a reference in all correspondence.

In the event of a claim for theft, attempted theft or vandalism, or where local requirements state that you must notify the local police following an accident, you should make contact with the relevant police force as soon as practicably possible to obtain a report

If you need any assistance completing your claim form, please telephone us on 01483 347 354. (24 hour telephone service, ReduceMyExcess are available Monday to Friday 9am to 5.30pm excluding public holidays, outside of these times a message will be taken by our claims handlers Lucas Claim Solutions)

This policy operates on a reimbursement basis, which means you are normally required to pay the excess or administration charges due under your car rental agreement first and reclaim the costs from us where permitted by our policy.

Your car rental agreement may require you to reserve the excess amount against your credit or debit card when you collect the rental vehicle. If the rental vehicle is involved in an accident or suffers damage for which you are held responsible, the excess amount or an administration charge will be deducted from this reserve and you will receive a loss damage report. You will then use this report to claim back the excess or administration charge.

If you need to make a claim under the optional collision damage waiver (CDW) cover purchased, at our discretion, we will deal directly with the car rental company for any reimbursement under the terms of the policy. Further details will be provided to you if this situation arose.

To make a claim under this policy you will need to provide when requested:

  • Your claim form. (Please send this first, using the details above)
  • Your certificate of insurance.
  • Your car rental agreement.
  • Your copy of the damage report 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.
  • a copy of your credit/debit card statement showing the excess or administration charges.
  • a copy of the repair invoice from the repairing garage (if applicable).
  • a copy of the local police report (if applicable).
  • a copy of the driving licence of the lead named driver or additional driver responsible for the damage.
  • Your bank details, including the sort code and account number.

If you are unable or unwilling to provide any of the above information, this may result in your claim being delayed. If a claim is made or legal proceedings are brought against you by a third party, you must as soon as practicably possible forward to us every demand, notice, summons or other correspondence you have received.

What Happens Next?

Once we have recieved your claim form we will use the information provided to submit the claim to the claims handling service, usually within two working days of receipt, and we will notify you that this has been done. The claims handling service will contact you directly, usually within five working days, to acknowledge your claim and will supply you with further information about the claims process.