Car hire excess insurance is a policy which covers the cost of the excess should your hire car get damaged or stolen. You pay a relatively small amount of money to protect yourself against the possibility of a significant bill, so you can enjoy your holiday without worrying about anything happening to the hire car.
What insurance do you need to hire a car?
When you hire a car, it usually comes with basic insurance included in the price so that you won’t have to pay the full cost of replacing a stolen or damaged vehicle.
Does travel insurance cover car hire excess?
Travel insurance can cover you for car hire excess and can be found with most comprehensive travel insurance policies. With this, you can get cover you for: Travel insurance car rental excess. Car rental excess is the amount you are charged by a rental company if your rental car is damaged, stolen or involved in a collision.
Is car hire excess insurance worthwhile?
Is Car Hire Excess Insurance Worthwhile? If you don’t want to spend up to €1,000 of your holiday budget on car hire excess fees, then yes, car hire excess insurance is worthwhile. Excess insurance is relatively cheap and could save you from a big pay out.
What does excess mean for car insurance?
“Excess” in relation to car insurance generally refers to a situation where there are two insurance policies that cover the same incident. The first policy to pay is called “primary” while the second policy to pay is called “excess.” Primary coverage must be exhausted before excess coverage has an obligation to pay.
What is car rental excess?
In the context of car rental, excess is the amount of money for which the renter is held responsible under the terms of the car rental agreement as a result of the loss of or damage to the rental vehicle. This can include fire, vandalism, theft, and loss of use depending on the supplier.
Do I need insurance to drive a rental car in the UK?
Renting a car in the UK without car hire insurance As you would expect, rental car insurance in the UK can be costly and no matter what level of coverage you purchase, you will still not be covered for any damage that occurs due to misuse or breach of the rental agreement such as using the wrong fuel or negligence.
Do I need insurance to rent a car in Ireland?
In Ireland, unlimited Third Party Liability Insurance is a legal requirement as included in the pre-paid price of all car rentals in Ireland. Third Party Liability Insurance protects you from liability resulting from property damage, injury, or death caused to anyone or anything outside of your rental car.
Can I hire a car in the UK with a French driving Licence?
If you are using an EU or EAA Licence you are free to hire a car and drive in the UK. You only need to exchange if you become a UK resident. If you obtain UK residence your EU licence expires 3 years after, or if you turn 70, or if the document expires within that time, whatever comes first.
Does AAA cover rental cars in Ireland?
AAA Membership Does Not Include Car Rental Insurance AAA members can receive discounts on rental cars at: Hertz.03-Jul-2021
Do I need personal insurance when renting a car?
Can I Rent a Car Without Having Insurance? You typically don't need to show proof of insurance when renting a car unless you use a debit card to pay for it. (Many insurers don't allow this and require a credit card instead.)26-Aug-2021
What is collision damage waiver?
Collision damage waiver (CDW), also called car rental insurance, removes a car renter's liability for all or some damage to a rental vehicle in an accident, similarly to collision insurance. CDW also may cover instances of theft or vandalism. The renter will normally only have to pay for a deductible in an accident.
What is car hire excess insurance?
Car hire excess insurance is a policy which covers the cost of the excess should your hire car get damaged or stolen.
What happens if you get a rental car damaged?
Usually, if your rental car is damaged or stolen, and you have bought standalone excess insurance, the car hire company will debit the excess from the card you used to make the purchase - usually a credit card. You need to gather documentation and receipts relating to the damage and pass them to your car hire excess insurance company.
What to do if you don't insure your car?
If you chose not to insure with the car hire company, it could ask for a hefty deposit on a credit card to cover the amount of the excess. To get the best value for money, buy car hire excess insurance most suitable for your trip: single trip, annual, worldwide, European or UK only.
How long can you travel with an annual policy?
With an annual policy, you can take multiple trips - not exceeding the maximum trip length stated in the terms and conditions - within 12 months.
Can I take excess insurance on a car hire?
Buyer beware. If you choose not to take the car hire company’s excess insurance, they may ask you for a large credit card deposit to cover the amount of the excess. If you’re using a credit card during your holiday, this will affect the amount of credit available to you, so keep this in mind when sorting out your holiday budget.
Can you hire a car for a short period?
If you're only hiring a car for a short period or one trip, then a single standalone policy will do the trick. You take out a new policy each time you hire a car, and the price will be based on the number of days you’re hiring the car for.
Does Worldwide cover car hire?
Worldwide cover. If you're travelling further afield, then a worldwide car hire excess policy will protect you on your trip. Not all countries are covered under a worldwide policy. For example, places the UK government has advised people not to travel to are usually not covered. †.
What is excess insurance for car hire?
What is Car Hire Excess Insurance? Car Hire Excess cover provides protection against high excess charges which can be imposed in the event of your hire vehicle becoming damaged or stolen in the UK or abroad. Cover can be purchased for a single trip, or on an annual basis for those who take out a rental more frequently.
What is a rental car benefit?
Provides a financial benefit if the driver of a hire car suffers certain injuries or death while in control of the rental vehicle. If you or named drivers on the rental car agreement are injured while driving in the hire vehicle, and the injury is the sole cause of death, loss of limb, or loss of sight. If the injury is caused by suicide, attempted ...
What happens if a car is damaged?
If a hire car is damaged, you (as the hirer) are typically liable to pay the first portion of the cost for repairs or any replacement. This cost is known as the ‘excess’ and varies in amount by provider, sometimes running into the hundreds or in some cases thousands of pounds per vehicle. This is payable to the car hire company in event of a claim, ...
What does excess insurance cover?
What does Car Hire Excess Insurance cover? From being locked out of your vehicle to cover in case of misfuelling or breakdown charges, your excess insurance comes with a number of complimentary benefits to give you peace of mind for your upcoming trip.
What is Zurich car hire insurance?
Car hire excess insurance aims to reimburse you for any excess charges if you have an accident or if your hire car is stolen.
What happens when you collect a rental car?
When you collect your hire car, as part of your rental agreement you may be offered an optional Excess Waiver. You may feel pressure to buy it on the spot, without the time to consider if it is suitable for you.
Do you have to pay excess insurance on a rental car?
Do I still have to pay excess charges to the rental company? Yes, if your car is damaged or stolen it’s likely that you’ll have to pay the excess charge to the rental company. However with Zurich Car Hire Excess Insurance, simply claim online and Zurich will reimburse any excess charge that you have paid.
What is Car Hire Excess Insurance?
If you're planning to rent a car abroad, purchasing a car hire excess insurance policy online before you travel has now become the 'must have' travel companion. It helps you avoid unexpected and overpriced hidden charges by car rental companies.
Why choose CarHireExcess.ie?
CarHireExcess.ie is a premier provider of Car Hire Excess Insurance in Ireland. We are part of the Blue Insurance Group, an Irish award-winning insurance provider.
The Benefits of Car Hire Excess Insurance
Anyone hiring a car abroad should be aware of overpriced additional 'excess' charges from car rental companies. Many travellers tend to feel that they have no other choice when dealing with these companies.
What is Supplemental Liability Insurance?
Supplemental Liability Insurance (SLI) is an optional extra available when you select Worldwide Car Hire Excess Insurance.
What does van hire excess cover?
It covers the excess on your car hire insurance in the event of a claim. Van hire excess cover. To cover non-commercial van hires. Available to residents of and rentals in the UK, Isle of Man or the Channel Islands.
What is excess insurance?
Car hire excess insurance is an optional insurance coverage which can protect you from the excess costs that you are required to pay in the event that your hire car is damaged or stolen.