Car hire excess insurance isn’t compulsory – this means you don’t need to have it. However, if you have an accident in a rented car overseas you will be expected to pay the excess charge, which can be anything from £500 to over £2000 depending on the company.

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Car hire insurance

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Our car rental insurance product is called Rental Car Damage Protector and provides primary coverage for covered collision, loss and damage up to $75,000, along with 24-hour emergency assistance.

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Car hire insurance

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Car hire insurance

For example, if you hire a car whose value is € 20,000 with an excess of €1,000, you will have to pay €1,000 maximum to the rental company if your car is damaged. Travel insurance can cover you for rental car excess insurance, but it doesn't cover your rental car as such. When you hire a car, the rental company will usually include a loss damage waiver (LDW) or collision damage waiver (CDW) in the price of the hire. This will generally cover the car if you get into an accident or cause damage to the car.

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Avoid excess for theft and damage to car rentals. Finder is committed to editorial independence.
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Hire and reward insurance covers any service that a vehicle is used resulting in a reward. If you ferry passengers for reward as am Uber driver you will need uber insurance, which is a form of private hire insurance. If you are or intend to use your car for such purpose you will need a hire and reward car insurance policy.

If there is any damage, you will have to pay the excess to the car hire company, but you will then be able to claim it back. See our car hire excess insurance reviews above. Car hire Insurance Car Rental Insurance; Save up to 70% on rental cars. We compare 1200 car rental suppliers to find the best price for you.


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Normally, rental cars come with three basic types of cover: damage cover (technically called Collision Damage Waiver), theft cover (Theft Protection) and third-party cover (Third-Party Liability). When you book a car, these will come as standard in your deal.

Buying car hire insurance from Questor Insurance will also save you money and provide a wide range of cover and benefits compared to buying the excess waiver offered by some car hire companies. Claiming under this policy could not be easier, an online claims system allows you to submit your claim and supporting documents at a time to suit you. If, for example, you need car hire insurance in the UK for 14 days and want excess insurance in the USA for 3 days two single trip policies will probably be cheaper than an annual policy. Our comparison service is pretty clever though – if you ask for a daily policy of 45 day we will show you annual car hire insurance policies at the top of the results chart.