Car Hire Excess Insurance

Cover Terms

1 hour to 28 days.  Instant cover for car, van and a range of other vehicles. Cost-effective and flexible options. Getting a customised quote takes a couple of minutes and you can be covered instantly.

Instant Cover
Applicable Age
18 - 78

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Tempcover Car Insurance

Cover Terms

Available from 1 – 90 days. So whether you need that last bit of practice before your test or you’re getting behind the wheel for the first time, you can select a policy duration that fits your needs

Learner Drivers
Applicable Age
17 - 22

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Tempcover Learner Car Insurance

Car Hire Excess Insurance

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The excess charges on car hire insurance claims can be large, but you could save money with a car hire excess insurance policy, you can use the table below to compare providers and click on the links to apply.

 Car Hire Excess Insurance

Whether you rent hire cars often or very occasionally you may know that may hire car providers will offer you a selection of extra insurance products for an additional cost such as breakdown cover and personal injury cover.

You may not be aware however that with many providers if the vehicle is damaged in any way you are liable to pay an excess on the insurance, which can sometimes be considerably costly, sometimes between £500-£2000.

Car Hire Excess insurance is a policy designed to pay for these excesses. The hire company itself may offer excess insurance as an additional product; they may charge more for this than you would necessarily need to pay.  It’s possible to buy car hire excess insurance in advance to cover you however. Doing so could save you a considerable amount of money if your hire car provider’s option has particularly expensive premiums on their excess insurance.

Like European breakdown cover it is possible to purchase car hire excess insurance for a single trip, or if you frequently rent vehicles is may prove more economical to purchase an annual policy which will cover you for all trips within that 12 month period.

Another advantage of buying this kind of insurance beforehand is you get to compare the market to find the best deal out there from all of the different providers. In addition to price however you may want to consider some other factors with your insurance policy, it may be worth spending slightly more if it means you have a more comprehensive policy you are personally more comfortable with.

Some things you may want to consider are:

  • Age limits – Some providers place a minimum and/or maximum limit on how old drivers of the vehicle are permitted to be to still be provided with cover.
  • Countries – Some providers may not be willing to provide excess insurance for renting a car in certain countries, if you are intending on renting a vehicle abroad then it is worth ensuring a policy would actually provide cover for the countries you are going to be in.
  • Vehicle type – Some types of vehicles such as those with a larger number of seats may be excluded from a standard policy, you may therefore need to purchase a special policy for some types of vehicle. A provider may also place a limit on the maximum value of a vehicle as well as the maximum age of the vehicle
  • Misfueling – Some providers will offer you cover if the vehicle is damaged as a result of you putting the wrong kind of fuel in the tank, others will not.
  • Key replacement – Similar to misfueling some providers may not provide cover if you lose or break the vehicle’s keys.
Car Insurance Services
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Car Insurance in the UK is compulsory under the 1988 Road Traffic Act and it is an offence to take a car onto a public highway without at least third party insurance in place.

Most basic car insurance policies cover third party, fire and theft covering third party liabilities as well as damage to the car caused by fire or loss due to theft. Comprehensive car insurance which is more expensive covers third party, fire and theft but also covers any damage caused by the driver to the car being driven.

According to the Motor Insurers Bureau uninsured drivers (approximately two million motorists according to the department of transport) inflict approximately £380 million of damage on UK roads which is passed on in higher insurance premiums.

Under the law a car must have a valid car insurance policy if it is taxed or not or whether it is kept on a public highway or not and whether it is driven or not.

If a car is not being used its tax disc must be redeemed and the relevent declaration (SORN) completed to confirm that the car is being kept off public roads. The scheme will provide a new fixed penalty for people who ignore official reminders that their insurance has expired. the maximum penalty for offenders is £5,000 and an automatic endorsement of your driver license with 6 to 8 penalty points.

See below for different types of car insurance:

Type of Car Insurance

Car Insurance Features

Comprehensive Car Insurance

 As the name suggests provides cover both to third parties but also to you and your own car and passengers in the event of an accident. This type of cover usually allows you to drive another car (may only be on a third party basis).

Car Legal Expenses Insurance

Normally sold as an add on to car insurance and provides legal expense cover in the event of a dispute e.g. if you are in an accident that is not your fault you may wish to claim back uninsured losses and legal expense cover will help you fund the legal costs.

Third Party Car Insurance

 Third party car insurance is the minimum cover required by UK law on a vehicle used ona public highway. If you have an accident this cover will protect you from having to pay for damage to other vehicles. You cannot make a claim against your own vehicle.

Third Party Fire and Theft Car Insurance

 In addition to covering third party liabilites this cover also provides financial protection in the event of damage to your car in the event of fire or loss due to theft.

As with many things in life the more time you put into something the more you will get out and with buying car insurance spending some time understanding what to look out for can save you both time and money in the long run and should ensure that you end up with the right cover.

Things to consider:

Age

If you are under 25 you will generally pay more for car insurance. For teenagers the cost of car insurance can be very high. Some insurers provide young driver car insurance schemes e.g. The Co-op and Young Marmalade provide specialist insurance for younger drivers

Voluntary Excess

To keep the cost of car insurance down many insurers provide you with the option of a voluntary excess on any claim. This is paid over and above any compulsory excess on the policy.

Gender

In the past specialist women’s car insurance providers could offer a better deal. Women generally tend to make less expensive claims than men, and so insurance companies historically reflected this in offering cheaper premiums. However, in March 2012, the European Court of Justice ruled that insurance providers cannot discriminate on gender. This ruling came into effect from December 2012.

Car Mileage

Some car insurers will adjust their car insurance premium based on the mileage you do. It is important you give an accurate indication of expected annual mileage to ensure you are not paying more than you need to.   Check with your existing car insurer (if relevant) – If you already have an existing car check with your existing insurer about adding a second car onto the policy. Some car insurance companies will provide you with a discount for including a second vehicle – often called multi car insurance.

Using a Comparison website

Online comparison websites provide a useful and easy way of getting car insurance quotes. No car insurance comparison website covers the whole market so it makes sense to use more than one source to ensure you are getting the right cover at the right price. You should also note that some insurance companies do not appear on comparison websites e.g. Direct Line Car Insurance and Aviva Car Insurance

Using a Car Insurance broker

If you are not sure what cover you need or want somebody to help you through the process there are many car insurance brokers who will be happy to help. A good insurance broker will not help you in buying car insurance but also provide support in the event that you need to make a claim.If you intend to use a broker you should check their FCA (Financial Conduct Authority) registration on the FCA website.

Providing correct information

In assessing the insurance risk an insurance company will rely on the information that you give as being accurate. Information provided will determine whether insurance is provided and the cost of premiums. It is therefore important that any information you provide is correct e.g. information on any driving offences where you have been given points can have a material impact on the premium you are required to pay. Non disclosure of such information at the time of application can result in a non payout in the event of a claim. If you are using a car insurance broker this is where valuable advice can be provided.

Cheapest is not always best

With insurance you generally get what you pay for so before you sign up to an insurance policy you should be aware of what you are covered for and what is excluded. You should consider what you need and ensure you are adequately covered. This may mean you have to pay more to get what you want.

Automatic Renewal

When you buy car insurance and you pay by direct debit some insurance companies will automatically renew your car insurance policy at the renewal date. You should receive a written notice of the car insurance renewal and any increase in the premium. If you are not happy you need to be proactive and shop around before the renewal date and cancel the existing policy before renewal.

Changing your mind

You have the right to change your mind within a set period normally 14 days from purchase of the car insurance policy and have your money returned.