Skip to main Content

Car Hire Excess Insurance

in conjunction with Halo Insurance Services Ltd

If you’ve ever hired a car, you may have found that it’s difficult to calculate the true cost of your rental and that extras chosen at the rental desk can often add up to a considerable, unexpected cost. One of the most expensive rental desk extras is excess protection which protects you against charges for the first part of a damage or theft claim before the rental company’s standard insurance becomes effective.

Excess levels from rental companies can run into hundreds and even thousands of pounds, but it often costs over £15 per day to buy protection direct from the rental company.

We’ve teamed up with Halo Insurance Services to offer you cost effective and reliable car hire excess insurance which you can buy up front, ahead of your hire.

When you collect your hire car, your rental agreement will outline the level of excess you are liable for. You are likely to be offered an optional excess waiver at the desk, and may feel pressure to buy it on the spot without the time to consider if it is suitable for you. Car hire excess insurance from Halo keeps it simple, and can cover excess reimbursement of up to £6,000 for car rental agreements worldwide, leaving you free to search out the most appropriate deal.

Car Hire Excess Insurance policy is administered by Halo Insurance Services Limited and underwritten by Zurich Insurance plc.

It’s quicker than buying at the desk

Buy excess insurance before you travel from the comfort of your home, and spend less time at the rental desk when you collect your vehicle.

Single or multi-trip policies

Single trip Excess Europe policies start from £2.99 per day and Annual policies are available from just £42.99. Going further a field? There are North American and Worldwide options too.

Cover for all of the vehicle

Vulnerable parts of the vehicle are automatically covered by one stand-alone excess policy, including windscreens, tyres and roofs areas often excluded by rental company excess waivers .

Share the drive with friends

When a policy holder hires a vehicle and adds up to 9 additional named drivers aged between 21-85 to the rental agreement they are automatically covered at no extra cost.

Key features and benefits:

 Great value, extensive car hire excess insurance for single-trip or annual multi-trip car rentals

 Up to £6,000 to reimburse you for excess charges if your hire car is damaged or stolen

 Vulnerable parts of the car such as windscreen, tyres and roof are included

 Up to 65 days’ continuous cover on annual policies

 Optional extras for even more peace of mind

 Policy available for drivers aged 21-85

 UK residents only

Exclusions:

 Vehicles hired without comprehensive insurance

 Any claim or payment where you haven’t met the terms of your Rental Vehicle Agreement

 Unacceptable vehicles, such as cars over 20 years old

 Interior damage, other than in the event of a collision

 Specific countries and areas where the Government is advising against travel

 Fines and penalties

 Campervans and motorhomes (unless our optional additional cover is taken out)

Check the table below to see what Car Hire Excess Insurance covers in more detail:

Available in multi-trip annual only ✔

Available in daily & multi-trip annual✔✔

Not available✗

Car hire excess insurance covers you for:

Europe

Worldwide

USA & Canada

Worldwide plus

Excess Insurance (up to £6,000 Sum Insured)

✔✔

✔✔

✔✔

Misfuelling, towing & breakdown (Up to £1,000 Sum Insured)

✔✔

✔✔

✔✔

Loss Damage Waiver/Collision damage (up to £100,000 Sum Insured)

✔✔

Vehicle lock out charges (up to £500)

✔✔

✔✔

✔✔

Car Jacking/Road Rage incident (up to £1,000) 

✔✔

✔✔

✔✔

Hotel expenses (up to £150)

✔✔

✔✔

✔✔

Travel expenses (up to £50)

✔✔

✔✔

✔✔

Cancellation/early return of hire car on doctor’s advice (up to £500, max £25/day)

✔✔

✔✔

✔✔

Drop off charges (up to £300)

✔✔

✔✔

✔✔

Continuous cover up to 65 days

In-country/local car rentals

✔✔

✔✔

Optional upgrades (additional premium)

Europe

Worldwide

USA & Canada

Worldwide plus

Motorhome & campervan (up to £2,000 Sum Insured)

Key replacement protection (up to £1,000)

✔✔

✔✔

✔✔

Personal Accident Insurance (up to £10,000)

✔✔

✔✔

✔✔