When renting a car in Europe, your rental company will more than likely charge you an excess should your rental vehicle become damaged or stolen whilst in your care.
Enter ‘Excess Europe’ - our European car hire excess insurance policy that reimburses you should the rental company charge you excess fees in relation to damage, fire or theft.Get a quote
*Towing and breakdown costs not covered if the vehicle breaks down due to a mechanical fault as these remain the rental company's responsibility.
Quite simply, if the rental company charge you an excess fee in relation to damage or theft, we will reimburse you what you were charged.
Our policies cover YOU (the driver), not the rental company or rental vehicle. That means the rental company will charge you directly and, once you return from your trip, you can submit a claim with us for reimbursement. Our claims team typically process claims within 14 days of submission.
Car hire excess insurance isn’t legally required in Europe, however it is recommended as without it you’ll be on the hook for the full excess amount if your vehicle is damaged or stolen. Independent research has found rental companies charging upward of £2,000 in some European territories.
Yes, without a doubt. However, rental companies sell excess waivers rather than excess insurance, and there are benefits to having an insurance policy over a waiver agreement:
What’s more, waivers sold at rental desks can cost more than £20 a day in some territories and often don’t cover vulnerable parts of the vehicle such as tyres, roof, windscreen and undercarriage.
Yes. Regardless of whether you have standalone car hire excess insurance or not, you’ll be asked to leave a deposit when collecting your rental vehicle. Most rental companies will insist that funds are blocked on a credit card rather than a debit card, so remember to bring a credit card with you and ensure sufficient funds are available for this.
Download to read the Insurance Product Information Document (IPID) highlighting key information and benefits of our car hire insurance policy.
Important information you can download about the terms and conditions of our car hire insurance policy.