How It Works

How Does Excess Insurance Work?

Save on Car Rental Excess Insurance

Car Hire Excess Cover

Most car hire companies offer a basic insurance with the hire contract but if you have an accident and need to make a claim, you’ll be liable to pay the excess which can add up to a hefty amount.

The car rental firm’s answer to this is to offer an upgrade on your basic cover, for a large fee; and try to sell you a ‘top up’ insurance or an ‘excess waiver’, such as ‘CDW’, Collision Damage Waiver, which removes the excess liable; but these options are a costly solution and can land you with a whopping daily fee.

This extra car hire insurance can be riddled with clauses and often won’t cover all your needs, such as windscreen damage, tyre damage, personal accident cover, or loss and theft of your possessions in the rental. In addition to this some excess policies offered by rental companies don’t include zero excess, so you will potentially end up with an expensive bill to pay on top of the extra cover you took out.

Choosing to decline the rental company’s extra insurance is a big risk to take and can leave you feeling vulnerable; while choosing to take out the hire firm’s highly priced insurance options can leave you feeling taken advantage of and a lot less well-off should you need to make a claim.

Choose Direct Car Hire Excess Insurance

Refuse the hire firm’s preposterous ‘top up’ and ‘upgrade’ insurance and opt instead for the prudent route of a standalone car rental excess insurance.

An independent excess insurance policy is a simple and cost-effective solution, offering peace of mind.

Instead of paying the car hire company extra fees and a hefty top-up insurance ‘just in case’, choose a Direct Car Hire Excess insurance policy, at a significantly lower price.

It’s such a simple solution. You take out the right car hire excess cover policy for you. In the event of an accident or theft; We pay the excess on validated claims, or you reclaim the excess you pay the car hire firm, should you need to make a claim.

Car Hire Excess Packages

How It Works

Choice

When you choose a Direct Car Hire Excess insurance policy, you’ll usually be required to pay the car hire company a deposit, which they can use against any damages should you have an accident. 

You can then claim the money you pay the car hire firm back on your excess insurance. Alternatively, if you haven’t already paid the hire company, we pay the excess directly to the car hire company on validated claims, avoiding any deposit money being used.

You can choose a daily policy for excess insurance cover or opt for multi trip policy from us, with big potential savings for those who travel and hire cars frequently throughout the year.

Savings

You can make huge savings by choosing the Direct Car Hire Excess policy. Excess cover from rental companies can be as much as 25 per day, while a standalone excess insurance policy from us can start at as little as 10p a day or much less if you choose the annual policy.

How It Works

When you choose a Direct Car Hire Excess insurance policy, you’ll usually be required to pay the car hire company a deposit, which they can use against any damages should you have an accident. 

You can then claim the money you pay the car hire firm back on your excess insurance. Alternatively, if you haven’t already paid the hire company, we pay the excess directly to the car hire company on validated claims, avoiding anydeposit money being used.

Choice

You can choose a daily policy for excess insurance cover or opt for multi trip policy / annual? from us, with big potential savings for those who travel and hire cars frequently throughout the year.

Savings

You can make huge savings by choosing the Direct Car Hire Excess policy. Excess cover from rental companies can be as much as 25 per day, while a standalone excess insurance policy from us can start at as little as 10p a day or much less if you choose the annual policy.

KEY FEATURES

  • Instant Car Hire Excess Cover
  • Single or Multi-Trip Excess Insurance
  • Easy Claim Procedure

Benefits Schedule

BenefitsBasicStandardDeluxe
Currency*GBP, EUR or USDGBP, EUR or USDGBP, EUR or USD
From**£/€/$1.80 per day£/€/$2.25 per day£/€/$2.63
Excess Cover£/€/$3,000£/€/$5,000£/€/$50,000
Towing Cover
Window Cover
Tyre Cover
Admin Charge Cover
Personal Accident Cover
Personal Possessions Cover
Key Cover
Curtailment Cover
Drop Off Charges
Lock Out Cover
Misfuelling Cover
Road Rage Cover
Carjacking Cover
In Country Rental
Car Club

Why Car Hire Excess Cover?

What is Car Hire Excess Cover?

When you hire a car, you must take out car hire insurance, and usually somewhere in the fine print there will be the terms of the excess cost if the car is damaged in any way. This extra cost can leave you with a hefty bill to pay if damage is caused to the vehicle. Excess cover gives you the protection you need against excess costs. In the case of an excess charge, if you have prepared and got out car hire excess insurance, you will be covered and not have to worry about the excess payment.

What Does Car Hire Excess Cover Protect Me From?

At DirectCarHireExcess, we appreciate the stress that car rental excess costs can be. Our service covers you from these charges on a range of different circumstances. In our basic package we provide protection against excess cover of up to £3,000; our standard covers up to £5,000 and our deluxe package covers up to £50,000 with additional protection also. Have a look at our benefits packages here

How Does Direct Car Hire Excess Work?

Direct Car Hire Excess has your best interests in mind. We want to be able to protect you from the high charges that could fall upon you in the event of an accident in a rental car. We have an easy free no-obligation online quote form and documents for you to understand more about what we can and cannot cover. Direct Car Hire Excess take pride in our continued work with ensuring our customers get the best service and are safeguarded from excess charges where we can.

What Happens If I Don't Get Excess Cover?

If you decide not to take out independent car hire excess hire you will be liable to pay the excess charges that come your way in the case of an accident occurring. If you are still unsure as to whether you should take out DirectCarHireExcess cover, we are able to answer your questions on our frequently asked questions page or contact us to talk to one of our in-house consultants today.