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Insurance Excess Protection


Car Hire Excess Reimbursement Insurance

Car Hire Excess Reimbursement Insurance is an insurance policy provided by a third party, not by the rental company. This differs from the extra insurance a rental company will try and sell you, rather than reducing your liability for a daily fee they offer peace of mind. If you were to be in a situation where the rental company charged your excess amount then you can make a claim with your ‘Reimbursement Insurance Provider’.

What is car hire excess?

When you rent a car you will be advised that the car will come with insurance which is called CDW and Theft Cover. However like normal car insurance policies this will come with an excess. This usually ranges from £500.00 – £2000.00 depending on the supplier you book with. In the event that the car is damaged, stolen or involved in an accident you will have to pay the excess amount. This is known as car hire excess.

What Are Your Options

1: Do Nothing: You can drive your hire car away with absolutely no additional costs, you just need to be aware of your excess amount should you be involved in an accident or the vehicle is damaged in anyway.
2: Reduce Your Excess: As above, you can reduce your excess with the supplier, meaning if the worst was to happen your liability will be much lower, sometimes even Zero!
3: Excess Reimbursement: Purchase an excess reimbursement policy with a one off cost and be safe in the knowledge that you have cover in place for your excess. This is a very popular option for expats who visit the UK or rest of Europe on a regular basis.

How Does Excess Reimbursement Work

Excess Reimbursement Insurance is an optional insurance, which is useful if there is an excess applicable to your car hire. The cover applies to the individual, so you are covered, even if you change the car hire company or the type of car that you have hired.

It is designed to repay the excess or repair costs you have to pay under the terms of the rental agreement following damage to the rental vehicle. The reimbursement of the excess is subject to the exclusions detailed in the provider’s policy wording.

You can choose to buy either an Annual policy, which will provide cover for multiple hires throughout the period of cover, or a Daily policy which will provide cover specifically for the days that you request it.

I Am Over 75, Can I Still Get Cover?

Yes, there is still help out there. Some providers will cover people until the age of 85. You can get cover for 12 months for less than a rental supplier could charge you for 2 days.

Can I Get Worldwide Excess Cover?

Yes, there are policies out there that cover you for any country, worldwide. Which, although can be more expensive. Still offers great value.

if you need any further information, give us a call on +44 (0)113 880 0748 or email us on [email protected]

You can also find out more about insurance for car hire in general by clicking this link.


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Indigo Car Hire
Average rating:  
 2 reviews
by Michelle on Indigo Car Hire
Indigo car hire

Very very helpful, sorted out everything, and explained exactly what was covered, everything went according to plan. Great service. Make sure your get a uk additional insurance to cover the large deposits that car companys want, incase something does happen your covered for the 1500 charges

by Ray Bilcliff on Indigo Car Hire
Always the best.

Indigo has been and always will be the best option for me. The service is always first class, always prompt and always covers everything I need including insurance, which is always in with the quoted price. No hidden extras to worry about. Great service you can trust.