Car Hire Excess Insurance From Direct Car Excess

Our Car Hire Excess Insurance

When choosing your next car hire excess insurance provider it is worth taking some time to consider what makes for a great car hire excess insurance policy.

Car Hire Excess Insurance Checklist

  • Check what is covered
  • Check what is not covered
  • Who is the Underwriter
  • Regulation and Protection
  • Customer Service
  • Claim Process

Check what is covered

Our car hire excess insurance policy is designed for anyone who lives permanently in the United Kingdom and is hiring a car. Our policy provides insurance for customers travelling in Europe or worldwide. Purchase options include covering a single car rental or an annual policy option which covers multiple car rentals during the policy year. If buying an annual policy we have a very useful auto-renewal option.

Our car hire excess insurance provides enough coverage for any likely excess you might need to pay to the car hire company. If you have any doubts as to how much excess you might have to pay should you damage the hire car please contact the car hire company. We have also included other benefits with the policy, such as loss or damaged car keys to cover other unexpected losses. What We Cover

Check what is not covered

Please check the policy for all exclusions but here are a few of the key exclusions to be aware of: -

  • Our policy is designed to follow the car rental agreement that you sign when picking up the car. That means that you must drive the car in accordance with the car rental terms and conditions. A claim resulting from an incident where you breach the terms and conditions is likely to render any claim void.
  • You must be aged at least 21 and permanently resident in the UK to purchase this policy.
  • We only insure hired cars under this policy
  • We do not cover travel in Crimea, Cuba, North Korea, Syria, Iran or countries where the Foreign Office has warned against all but essential travel.

The Underwriter

There are a number of insurance companies providing insurance to retail customers in the UK. Our insurer is American International Group UK (AIG UK), part of American Insurance Group, a global insurance company with over 100 years of experience. With roots that trace back to 1919, AIG is a global insurance company with operations in 70 countries and jurisdictions and have more than 60 years experience in the UK alone.

Regulation and Protection

AIG UK is regulated in the United Kingdom by the Prudential Regulatory Authority and the Financial Conduct Authority and are covered by the Financial Services Compensation Scheme. If you're unhappy with our service please do not hesitate to let us know and we will do everything possible to put things right. If we can't help, you may contact the Financial Ombudsman Service.

Customer Service

Our aim is 100% customer satisfaction and we want to build strong relationships with our customers. We have a dedicated customer service team which is available Monday to Friday 9:00am to 5:00pm, except bank holidays. Our customer service team will provide you with a friendly and knowledgeable service and ease of contact.

During our office hours you can call the team on 0333 323 0208 or use the live chat service. Outside these hours you can email us or send us a message from our contact page. We aim to respond the same or next working day. We pride ourselves on our clear, concise and timely communications. We have provided our customers with technology which will allow you to access your policy 24/7. Customers can amend their policy, renew or purchase a new policy and all at a time to suit you.

We use TrustPilot to rate the service that our customers receive from us. You can see our TrustPilot reviews below.


We have invested heavily in our own claim service to ensure that we are able to deal with your claim quickly, efficiently and fairly. Claims are settled faster when claimants provide the necessary documents and answer all questions quickly and accurately.


All insurance policies have small print. It is important to read the policy terms and conditions prior to buying the insurance. Let us know if there is anything that you do not understand, we will be very happy to assist you or answer any questions.

We hope that you have found this blog interesting and we hope that you will consider us next time you are renting a car. Buy Car Hire Excess Insurance

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