Reducing your Car Rental Excess in the UK (Car Hire Insurance)

car rental insurance UK

This information is for customers renting in the United Kingdom. For information about rental insurance in other countries, see the following links: AustraliaNew ZealandCanadaUnited States.

Firstly, it is important to note VroomVroomVroom does not directly sell any protection products, excess reduction or insurance packages. However, we would still like to help. You have 3 rental cover options:

Option 1. Choose to do nothing.
Pros: Your car rental actually comes with basic cover (most people call this basic insurance), so you don't actually need to buy the optional excess reduction if you don't want to.

Cons:
In the event of an accident, suppliers will charge a maximum damage excess fee of between £500 and £2000, depending on the car and the supplier.

Total Cost: £0 per day

Option 2. Purchase excess reduction at the rental desk.
Pros:

  • The easiest way to reduce car hire excess.
  • Don't need to go through an insurance company to be refunded if you are in an accident.
  • Doesn't usually include insurance for valuables and luggage.

See excess reduction information for: AvisBudgetThriftyEuropcarHertzAlamoGreen MotionSixtEnterprise

Cons:
It is the most expensive way to reduce the excess cost.

Total Cost: Between £10 & £25 per day, depending on the supplier (plus local taxes + surcharges)

Option 3. Purchase travel insurance today.
Pros:

  • Up to £2,000 excess protection.
  • Removes your excess liability completely.
  • Buy now and save later.
  • Includes damage to parts often excluded by rental companies, such as windscreen, tyres, roof and undercarriage.
  • Often includes extras such as lock-out protection, road rage cover, car-jacking and restitution.
  • Covers the whole of Europe (worldwide cover also available).

Cons: In the event of an accident you must still pay the damage excess fee stated on the Rental Agreement to the car rental supplier and then contact your travel insurance company to claim it back. Taking this cover will allow you to claim reimbursement of the damage excess fee.

Total Cost: Approx £2.99 a day for Daily European Excess

Check Out iCarhireinsurance.com for a very easy online quote.

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