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What is Car Hire Excess Insurance?

When hiring a car, your rate will typically include insurance (often known as Collision Damage Waiver and Theft Protection).

This insurance will usually have an excess – a fixed amount you have to pay if you damage the car or it is stolen, whether or not it’s your fault.The excess is typically £750 but can be as high as £2,000.

When you pick up your car, you’ll be offered enhanced insurance (often known as Super Collision Damage Waiver and Super Theft Protection) which will reduce, and sometimes cancel, the excess you are liable for.

The cost of their enhanced insurance can be £20 or more per day. As a much cheaper alternative, our Car Hire Excess Insurance lets you claim back any excess charged – from just £3.90 or 650 Avios per day. And you don’t then need to opt into their more expensive cover.

You will, of course, need to be able to pay the excess while you are away before claiming it back.

Note: Your pre-booked rate can sometimes include 'enhanced' insurance, eg in the USA. In these cases you?ll still benefit from cover for parts of the car not normally included, such as windscreen, tyres, roof and undercarriage.

Level of cover

Level of cover
Section Maximum benefit
Accidental Damage £4,000
Accidental Theft £4,000
Locked out of vehicle £60
Replacement keys (lost or stolen) £500
Drop-off charges £300
Restitution £300

Policy Conditions