European Car Hire Insurance | Direct Car Excess Insurance

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This product is available for UK residents only. You must be between 21 & 85 years old to purchase. Please scroll down for further details.


Our European excess car hire insurance provides ideal protection and high-quality cover. A European policy takes away the sting if your hire car is damaged or stolen and there's a hefty excess to pay. We know that having your holiday disrupted is bad enough - facing a car rental excess fee makes it even worse.

What Does it Cover?
  • Up to £6,000 excess reimbursement for car hire in the UK and abroad
  • Damage to tyres, the windscreen and the undercarriage
  • Theft of secured baggage
  • Rental key replacement costs
  • Policyholder and all additional named drivers aged 21 to 85 covered
  • Same price whatever your age
What Is Not Covered?

  • Direct Car Excess Insurance is not a replacement for your hire car insurance, which you will still need to purchase from your car hire company (if it's not already included in the rental price). Following an accident or theft, your car hire company will usually deduct the excess from your credit card - you will have to pay this and it can run into many hundreds of pounds, or more. Direct Car Excess Insurance will reimburse you for this excess payment.
  • Please note: Insured drivers must be UK residents aged between 21 and 85. There is no cover for travel in Crimea, Cuba, North Korea, Sudan, Syria, Iran or countries where the Foreign Office has warned against all but essential travel. Certain types of vehicle are not covered, these are listed in the policy document and frequently asked questions. These policies do not cover electrical or mechanical breakdown.
  • What is Car Hire Excess Insurance?

  • When you hire a car, the rental price will usually include insurance which covers you for accidents and theft. However, if your rental car is damaged or stolen, you may still have a large excess to pay
  • When you collect your rental car, the rental company may offer their own additional insurance which will reduce your excess to zero. However, this could be very expensive and may only be available at the rental counter.
  • Buying ahead with Direct Car Excess Insurance could offer you a cheaper deal and provide you with peace of mind that your excess charges will be reimbursed if you have an accident or if your rental car is stolen. Direct Car Excess Insurance will also cover you for damage to tyres, the windscreens and undercarriage which are usually excluded from the rental companies insurances. We also cover you for stolen baggage, rental key replacement costs and Personal Accident.
  • Cover Across Europe

  • Whether you're planning to hire a car for a family holiday on the French Riviera, a road trip across Eastern Europe or city driving in Madrid, you can get great hire car excess insurance from us.
  • You'll be covered for an excess of up to £6,000 if the vehicle is damaged, if it's stolen or for loss of use. We also provide cover of up to £500 per claim if your hire car keys are lost or stolen, and cover of up to £300 per insured person for any baggage which is damaged or stolen as a result of theft from your locked and secured hire car.
  • With Direct Car Excess Insurance you benefit from great prices that go hand in hand with great customer service. If you have to claim you'll be dealing with friendly, helpful staff who will do their utmost to make the whole process as smooth as possible.
  • Because you may be travelling with your partner or your family and want to share the driving, we will cover all additional drivers at no extra cost. We also charge the same price whatever the age of the drivers, from 21 to 85.
  • To offer you the best value, we offer annual excess insurance policies if you're likely to be hiring a vehicle on a few trips in the space of 12 months. Europe Annual policies can prove a good way to save and cover trips lasting up to 62 days.

    Copyright © American International Group UK Limited. All rights reserved Direct Car Excess Insurance is a trading name of American International Group UK Limited registered in England: company number 10737370. Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 781109). This information can be checked by visiting the FCA website. Calls may be monitored or recorded. This site is directed at users within the United Kingdom. Products underwritten by American International Group UK Limited.

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    The policy is administered by Questor Insurance Services Limited (an independent insurance intermediary authorised and regulated by the Financial Conduct Authority Firm Ref: 466942) on behalf of Direct Car Excess Insurance.

    When we sell you a policy, we receive commission from the insurer which is a percentage of the total premium.