Annual multi-trip worldwide car hire excess insurance

Motor Excess Insurance

Cover for the excess on your motor insurance from £35 per year

Our motor excess insurance reimburses you for the excess charged on your motor insurance policy, should you make a claim. Cover starts from as little as £35 for 12 months.

  • Select from three levels of motor excess cover for residents of the UK and the Isle of Man
  • Motor excess cover for all named drivers over the age of 18
  • Claim an unlimited number of times (up to the maximum Motor Excess Reimbursement policy limit)

If you want to cover the excess on other personal insurance as well, please see our lifestyle excess insurance page.

What does this policy cover?

What's included

Below is a summary of the key features and benefits of our car hire excess policy.

For full details, please see the policy wording.

  • Motor excess cover for private vehicles with up to nine seats
  • Multiple claims on your car excess insurance (up to the maximum reimbursement limit shown in your insurance certificate)
  • UK car excess cover for permanent residents of the UK or the Isle of Man, covering incidents that occur anywhere in these territories
  • Take out a policy up to 364 days before you want your policy to start. Your policy will run for a 12-month period from your selected start date. This means that even if you purchase your policy months in advance, it’ll only start when it suits you.

What's not included

Below are some of the key exclusions you need to be aware of.

Full details can be found in the policy wording.

  • Any claim made during the first 30 days of your Motor Excess Insurance policy
  • Excess claims that were not settled by your motor insurer
  • If the claim under your insurance policy is only for glass repair or replacement
  • If the incident that gave rise to the claim happened before the start date of your Motor Excess Insurance policy
  • Motor homes, vans, camper vans, trailers or caravans, commercial vehicles or trucks, motorcycles, mopeds, motorbikes, vehicles for which the main use is intended to be off-road or recreational vehicles
View policy document

Watch our animation on why you should take our car hire excess insurance:

Motor Excess Insurance FAQs

An excess is the amount you have to pay in the event of a claim on your insurance policy. Generally, the larger the excess the lower your insurance premium. An excess can also be known as a 'deductible'.
Excess insurance protects the excess amount you are responsible for in the event of a claim. For example: if you buy your motor insurance policy with an excess of £500, and you have an accident that causes £2,000 worth of damage to your car; the insurer would settle your claim at £1,500. So that’s £2,000 less your £500 excess. By taking out a car excess reimbursement insurance policy, you can protect yourself against some or all of the excess charges from your motor policies, depending on the level of excess reimbursement cover you select.
Insure4Excess reimbursement policies can protect the excess you are responsible for in the event of a claim. In the event of a claim you will need to pay the excess to your insurance company first and then claim this back on your Insure4Excess policy.
You should check the amount of excess you are liable for on your insurance policies and choose your level of cover accordingly.
The policy holder and all insured drivers named on the Motor insurance policy must be a permanent resident in the United Kingdom or the Isle of Man. You are only covered when you use your motor vehicle in the United Kingdom, including the Isle of Man.
Paying for your car excess insurance policy is simple - you must pay your premium when you take out the Motor Excess Reimbursement policy either online or over the telephone. Payment must be made in full and can be made by either debit or credit card.
You have a 14 day cancellation period to cancel your car excess insurance policy, provided that no claims have been made. You can either email our customer service team at or call them on 01242 538 413.
You should notify our claims team once you have received the final settlement of your insurance claim. The claims team will issue you with a claims form and they will advise you of all the necessary documents you will need to support your claim. More information can be found by visiting our claims page, where you can also download a claims form.
Protect yourself with the UK’s most popular car hire excess insurance provider (by online traffic share 2019).



Coronavirus (Covid-19) – Update for insurance4carhire customers

While the scale and impact of the current coronavirus (Covid-19) outbreak remains unknown, insurance4carhire, part of The Ardonagh Group, has been working for some time to prepare for all potential outcomes for our business. We have a range of plans in place across The Ardonagh Group to serve the needs of our clients without interruption, while protecting the health and safety of our colleagues and other stakeholders.

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