Are you paying far too much for your Car Hire Excess Cover?

Join over 100,000 policyholders from 175+ countries around the world in securing your car hire excess insurance with DirectCarHireExcess.

Our car hire excess insurance provides you (and all named drivers) with worldwide, comprehensive protection against the high costs associated with hiring a car. This peace of mind is provided at a fraction of the cost of the car hire company’s insurance.

Additionally, most expensive car hire company policies won’t cover things like lost keys, tyre damage, their own administration charges, personal accident and cover for your personal possessions. But we do!

DirectCarHireExcess offer three levels of protection allowing you to choose the product and premium to match the cover required and your country of hire.

Don’t ruin your trip by being inadequately insured or paying too much for your excess cover!

Frequently Asked Questions

Can I use this policy anywhere?

The only country restrictions are rentals in Armenia, Dominican Republic, Iceland or Jamaica, otherwise the DirectCarHireExcess policy covers you anywhere in the world, if you select the worldwide option.

What’s the maximum hire period you will cover?

The DirectCarHireExcess will cover single trips up to 180 days in duration. If you purchase a multi-trip policy is will cover UNLIMITED trips up to 60 days in duration. Please note that the policy must cover the entirety of any rental agreement.

How old do I have to be to purchase a policy?

The minimum age of a policyholder is 21 years of age and the maximum age is 84 years of age. You must also be in possession of a full and valid, internationally recognised, driving licence.

What are the eligibility requirements?

You must be:

  • aged between 21 and 84 years inclusive, and
  • who holds a full and valid, internationally recognised driving licence,
  • who secures a car rental excess via their credit or debit card, and
  • who is eligible to rent and drive the rental vehicle and able to adhere to the terms of the car rental agreement.

This policy is not valid if you are unable to meet all the eligibility criteria noted above.

How Does Car Hire Excess Insurance actually work?

To keep costs as low as possible, car hire companies will normally add a huge excess to their own insurance policy given to you when you hire their car. They then charge you a huge amount for reducing that excess. And their insurance probably wont cover things like lost keys, tyre damage, personal accident cover or loss and theft or your possessions in the rental.

When you purchase a DirectCarHireExcess this can all be covered (and more).

Then, if you need to claim, you simply upload the details to our online claims platform. Our team validate your claim and pay the excess directly to the Car Hire Company or to you bank account, if you’ve already paid.

How Do I Claim?

At DirectCarHireExcess we use a proprietary online claims platform to process claims, to make the process as simple as possible. You log in securely, validate your policy, add a few claims details and we do the rest!

No messy claims forms. No need to post documents. No photocopying and sending documents. That why the claims platform is called ClaimEz (

How will my claim be paid?

We will either pay your claim directly to your car hire company or, if we need to settle the excess with you, we will pay to your nominated bank account, anywhere in the world, in whichever currency you nominate.

What’s included?

  • Covers all named drivers
  • Single or Multi-trip cover
  • Up to £/€50,000 cover
  • Comprehensive protection
  • Windows and Tyres as standard
  • Personal possessions available
  • 18 to 84 years of age
  • Simple online claim process

Your questions answered

  • Is my credit card coverage sufficient?
  • Can I change or cancel my coverage if my travel plans change?
  • Are additional drivers covered under my policy?
  • What do I do if I plan to travel to multiple countries?