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European & UK Car Hire Excess Insurance

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.

What does European Car Hire Excess Insurance cover?

What's Covered
  • Excess fees charged by the rental company - up to £6,000
  • Damage to body work including tyres, windscreen, roof and undercarriage
  • Damage caused by fire and vandalism
  • Reimburses you if charged an excess for your vehicle being stolen
  • Towing*, breakdown, lock out and misfuelling excess charges
  • Hotel and travel expenses relating to loss of use of your rental vehicle
  • Main driver and additional drivers, so long as they’re named on the rental contract
  • Covers rentals up to 65 days in length
  • Admin fees relating to excess charges are also covered
What's not Covered
  • Mechanical breakdown due to wear and tear or malfunction
  • Vehicles over 20 years old
  • Vehicles with a market value that exceeds £100,000
  • People under 21 or over 85 years old
  • Specifically excluded countries or countries not defined as an EEA territory
  • Competitive and performance driving, including off-road driving and track days

*Towing and breakdown costs not covered if the vehicle breaks down due to a mechanical fault as these remain the rental company's responsibility.

European Travel Tips and Guides

We have created some useful travel guides and resources to help you navigate your way around Europe in your rental vehicle:

Disable Badge

Disabled Driving in Europe

A great resource for those travelling in Europe with a Blue Badge Parking Permit. Here you can download a local language print out that explains your rights with regards to using your Disabled Parking Badge within the EU

European Driving Laws

European Driving Laws

An invaluable guide for anyone who’s unfamiliar with how driving laws vary from country to country within Europe. Find out everything from motorway speed limits to permitted blood alcohol levels.


European Car Hire FAQs

How does the European car hire excess insurance policy work?

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.

Do I need Car Hire Excess Insurance in the UK & Europe?

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.

Will the rental company try to sell me similar cover?

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:

  1. Insurance products, and those who sell them, are financially regulated by the FCA
  2. Policyholders can escalate complaints to the Financial Ombudsmen Service for resolution
  3. Customers have a cooling off period, allowing them to cancel should their need for the insurance change

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.

Will I be required to leave a deposit?

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.

Excess Europe


Policy Information

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.