Car rental excess insurance is an extra policy that people typically purchase to top up their existing car hire insurance arrangements. It can be useful while holidaying aboard or if you hire at car at home.

The reason behind this is that car hire insurance often carries an excess that is often prohibitively high – the chances are that the majority of times a car is damaged the repair costs will be under the excess. With an excess of around £1,000 or even £1,500 for hire cars being commonplace, this is not an insignificant sum, and one that people see fit to insure with car rental excess insurance. If you are unlucky enough to be a victim of a road traffic accident in a hire car abroad, you could find that paying for the car repair bill could cost more than you paid for your holiday!

When purchasing a policy, it is important to give the insurer all the information that you have available. So for example, if you are going on holiday with a group of friends who intend to share the driving, make sure that they are all named on the hire agreement and all of the insurance documents, including the excess policy.

Likewise, check that you have covered the whole car. Standard hire car policies often exclude cover for the tyres and windows, which can be added as optional extras when you are buying your excess cover or may be included as standard,

You might have purchased a policy alongside the hire of the car itself, in which case you may not have noticed the high excess. Whether the excess is in the small print or large on the front cover of the policy documents, if you would not be able to fund the excess amount from your own pocket or would rather insure the amount, make sure that you have the arrangements in place before you have started the hire agreement.

If any of your travel or hire arrangements should change during the course of the hire period, make sure that you inform all of your insurers. For example, check that you do not stray outside the area in which the policy is valid. Or if you do change your plans and travel further afield, inform the insurance provider so that they can update the car rental excess insurance policy.

Depending on the length of the hire agreement, many insurance providers typically offer cover for a length of time to suit you. Some even offer a daily rate, so that you can have flexible cover to be extended or cut short as your need for a hire car changes. This can be useful if you want to go travelling with a changeable itinerary, or if you have hired a car while your main vehicle is being repaired (though look out for geographical exclusions, as some policies state that you are only covered if you are x amount of miles away from your home when you rent the car).

Car rental excess insurance cover is not just for short term or temporary arrangements. The cover can usually be purchased for as long as one year at a time, if that suits you best.

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