Having Insurance for the rental car you are hiring makes a lot of sense

As a consumer you need be truly satisfied with your car hire experience. This typically involves making sure that you’ve found the right vehicle for your needs and of course at a good price. Making sure that the car you have selected also includes the right sort of insurance is also be imperative to ensure that you avoid a potential large outlay following an accident.

So how could such a situation arise given that you think you have sufficient insurance?

The problem could occur because of the way some car hire rentals are described as ‘including insurance in the price’ when they’re advertised. That is perfectly correct as a statement but it may lull you into a full sense of security because in reality you may not be ‘fully covered’ – and there is a difference.

The insurance for the vehicle that is provided by the car hire  company typically provides a degree of protection in the shape of:

• third party cover that aims to meet the costs of any awards against you for damage you have caused to a third party – either to their person or their property;
• CDW (collision damage waiver) – which will offer financial cover for the costs of any damage done to the hire care while under contract to you (or its theft).

Although this sounds fine, the car rental company’s policies may contain two potentially very important points of note:

• typically they will carry an excess of anywhere between £500-£1600 plus
• they may also exclude a number of significant areas of the vehicle from cover and that means you’ll have to pay for any damage to them – typically including the wheels; tyres, roof, undercarriage and windows.

So, following an accident, the car rental company may place some charges against your credit card even if you have their insurance as well.

The good news is that it is possible to reduce the risks of finding such costs facing you after an accident.

This can be done typically through one of two routes.

The first is to purchase ‘top-up’ or ‘Super-CDW’ insurance from the car hire company – they will typically offer this to you as part of the car booking and perhaps again when you pick the car up. For an extra cost, this insurance may remove or at least reduce the excess and possibly also provide cover for the ‘exclusions’.

The second route is to purchase what’s called ‘excess insurance’ from an online provider of insurance for hire cars. These specialists offer policies that will allow you to claim back from them any excess or costs you’ve had to pay to the rental company. They can be cheaper than the similar protection offered by the rental companies themselves.

You can out more information on the excess insurance for hire cars and how you could potentially save money by visiting the specialist provider website like the following examples of these insurance companies include: Essential Travel, iCarhireinsurance, Carehireexcess, Worlwideinsure, Insurance4carhire, Questor Insurance and Protectyourbubble


Such policies may also have the advantage of being available on an annual basis meaning they would cover any car hired by you during the period. Some companies also offer Family policies as well as cover for Motorhome and Campervan hire excess, Van hire excess, Minibus hire excess and Car club hire excess insurance.