What is car hire excess insurance – and do I need it?

car hire excess insurance

Published on : 24 August 20224 min reading time

Car hire excess insurance is insurance that covers the excess on your car hire agreement in the event of damage or theft. It is not a legal requirement, but it is something that we would recommend considering, particularly if you are hiring a car in a country where you do not have comprehensive cover.

What Does All Inclusive Car Hire Insurance Cover?

If you’re hiring a car, you’ll usually be offered the option to buy annual worldwide car hire excess insurance. But what is it?

Car hire excess insurance is designed to cover the excess charge that you would incur if your hire car was damaged or stolen. The excess is the amount of money you would have to pay if something happened to the car.

Most car hire companies will require you to pay an excess if you damage the car. The excess can be as much as £2,000, and it’s something that you’re likely to have to pay if you damage the car.

If you don’t have car hire excess insurance, you’ll be liable to pay the excess. However, if you do have car hire excess insurance, you’ll be covered for the excess.

There are a few things that car hire excess insurance doesn’t cover. For example, it doesn’t cover damage to windscreens, tyres, or the undercarriage of the car. It also doesn’t cover you if you lose the keys, or if you damage the car while you’re driving it.

However, car hire excess insurance is designed to cover the majority of damage that can occur to a hire car. It’s a good idea to buy car hire excess insurance if you’re hiring a car, as it could save you a lot of money if something happens to the car.

Do I need car hire cancellation insurance?

When you hire a car, you will usually be asked if you want to purchase car hire excess insurance. This is an insurance policy that will cover the excess fee that you would otherwise have to pay if you damage the car.

The excess fee is the amount that you would have to pay if you damage the car. It is usually a few thousand pounds.

Most people do not need car hire excess insurance because they are already covered by their own car insurance. If you have comprehensive cover, then you will be covered for the excess fee.

However, if you do not have comprehensive cover, or if you are hiring a car in a country where your insurance does not cover you, then you may need car hire excess insurance.

You can usually purchase car hire excess insurance when you book your car hire.

Is damage to windows and tyres covered?

If you’re hiring a car, you’ll usually be offered car hire excess insurance. This is designed to cover the excess on your hire car insurance in the event of damage or theft. The excess is the amount you’ll have to pay towards the cost of any repairs or replacement, and is usually a few hundred pounds. So, if you have an accident and your car needs repairs that cost £1,500, and your excess is £500, you’ll have to pay £500 and your insurer will pay the remaining £1,000. With car hire excess insurance, you can claim back the excess you have to pay.

If you’re planning on hiring a car, you may be wondering whether you need car hire excess insurance. In short, car hire excess insurance is an insurance policy that covers the excess on your car hire insurance policy. So, if you have an accident and your car is damaged, you won’t have to pay the excess.

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