Annual Europe

Annual UK Car Hire Excess Insurance

Annual multi-trip car hire excess cover for rentals in the UK

Hiring a car in the UK? Avoid paying for your excess cover each time at the rental desk. You can buy car hire excess insurance valid for 12 months for driving in the UK and mainland Europe from up to 364 days in advance, or right up until before you collect your car. 

If your hired vehicle is damaged or stolen, you might have to pay the excess, which can be more than £1,000. With our year's worth car hire excess cover you simply pay the amount due to your car rental company and you can then claim it back through insurance4carhire.

from £46.99

Buy Now

What does UK car hire excess 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.

  • The excess on damage and theft up to a maximum of £6,500 cover in total, per year
  • Drivers aged between 21 and 85 inclusive
  • Cover for up to seven additional drivers (so long as they’re named in your rental agreement). There is no need to add them to your insurance4carhire policy.
  • Rental periods of up to 60 consecutive days
  • Misfuelling and car key cover – each up to £500 per claim (max. £2,000 per year)
  • Flat battery cover up to £1,000 per year
  • Late pick-up charges due to unscheduled flight delays
  • Cover for your courtesy car (the vehicle loaned to you while your rental car is being repaired, or when your own car is in the garage and you’re given a courtesy car).

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.

  • Car rentals in which the insurance4carhire policy holder is not the lead driver on the rental agreement
  • Policies purchased after the collection of your rental vehicle
  • Cars worth more than £120,000 or over 10 years old
  • Cover for off-road driving
  • Commercial vehicles, motorbikes, camper vans, mobile homes, vans or any vehicle with more than nine seats. To insure your van hire (UK and Isle of Man only), visit our van hire excess page
  • Collision Damage Waiver (CDW) or Supplemental Liability Insurance (SLI). Most rental policies include this, but some do not. If you need CDW and SLI cover, visit our Annual Worldwide Plus CDW & SLI page
  • Cover for policyholders that are not residents in the UK or the Isle of Man
Show policy document

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

UK Car Hire Excess Insurance FAQs

Car hire excess cover is an alternative to the excess cover offered by the car rental company. If you need to make a claim with the rental company, simply pay the excess and then claim it back through insurance4carhire.

Although your car rental company will most likely offer some level of insurance cover as standard, there is likely to be a high excess (meaning that should you need to make a claim, you'll be liable to pay some amount towards it). insurance4carhire will cover this amount, so that should you make a claim, you'll be reimbursed for this excess up to the policy limits.

There is no need to add them to your insurance4carhire policy. All our policies automatically allow you to cover up to seven additional drivers per rental, as long as each driver is named as an additional driver on your rental agreement.

The lead driver on the rental agreement must be the insurance4carhire policy holder. The lead driver and each additional driver must be aged between 21 and 85 at the time of purchase and a resident in the United Kingdom or the Isle of Man.

No, additional drivers cannot hire a car on their own. The policy holder on the Insurance4carhire policy always must be the person named as the lead driver / car club member on any rental agreement. The policy holder can include up to seven additional insured drivers as long as each additional driver is named on the rental agreement.

If you require two family members to be a lead driver so they can hire two separate vehicles simultaneously or hire cars separately, you will need to purchase our joint policy. This policy is available to family members related in the following ways: by marriage, civil partnership, engagement, parent-child, child-in-law, parent-in-law, sibling, sibling-in-law. Our joint policy option is available with our Annual Europe and Annual Worldwide car hire excess policies.

Our Joint policies, formerly known as 'Family & Partner' policies, enables two family members to purchase car hire excess insurance as one policy. This means that each of these two family members can have lead driver status and hire two separate vehicles simultaneously or hire cars separately. Our Joint policy is more cost effective than purchasing two individual annual car hire excess policies.

With joint policies both policy holders are covered as lead drivers as long as they are named as the lead driver/car club member on the rental agreement. Both policy holders are covered up to the amount of the excess under a rental agreement, up to a maximum of £6,500 during the period of insurance, per policy holder as named on the certificate.

As with a standard annual policy, each lead driver is entitled to add up to seven additional drivers (provided they are named on the rental agreement), per rental agreement. insurance4carhire does not need to be provided with the names or details of these additional drivers.

*Family member means your spouse, civil partner or fiancé/fiancée, parents, parents-in-law, brother or sister, brother or sister-in-law, children or sons and daughters-in-law.

Our Joint policy option is available with our Annual Europe and Annual Worldwide car hire excess policies.

To purchase an insurance4carhire car hire excess policy, you must be a resident of the UK or the Isle of Man.

Your insurance4carhire documents will be sent to you in your welcome email after purchase. If you are having issues accessing your documents, or require them in a different format please email us on with your policy number.

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.

Read more

Security Icon


Our payment systems are verified by VeriSign.

FAQ Icon


For more information, or to find the answers to frequently asked questions please consult the FAQs.

Help Icon


Haven't been able to find the answer to your question using the FAQs page? Visit our contact us page.

Payment Icon


We accept payment from Amex, Maestro, Mastercard and Visa cards.