Frequently Asked Questions | Direct Car Excess Insurance

Frequently Asked Questions

What is Car Hire Excess?

When you hire a car, the rental price will usually include insurance which covers you for accidents (Collision Damage Waiver/CDW) and theft (Loss Damage Waiver/LDW). If the worse should happen, you will be required to pay a portion of the costs to the car rental company, the excess. Such costs can run into thousands of pounds. In addition, damage to tyres, the windscreen and the undercarriage are often excluded from the car rental company's insurance and will be entirely the responsibility of the hirer. Visit our About Excess Cover page for more information.

Why should I buy Direct Car Excess Insurance?

Direct Car Excess Insurance gives you peace of mind knowing that if your hire car is damaged or stolen whilst in your care you won't be left out of pocket. Buying in advance could also save you a significant amount compared to equivalent cover from the hire car company at their rental desk.

Our policies are underwritten by American International Group UK Limited.

What is Car Hire Excess?

When you hire a car, the rental price will usually include insurance which covers you for accidents (Collision Damage Waiver/CDW) and theft (Loss Damage Waiver/LDW). If the worse should happen, you will be required to pay a portion of the costs to the car rental company, the excess. Such costs can run into thousands of pounds. In addition, damage to tyres, the windscreen and the undercarriage are often excluded from the car rental company's insurance and will be entirely the responsibility of the hirer. Visit our About Excess Cover page for more information.

Why should I buy Direct Car Excess Insurance?

Direct Car Excess Insurance gives you peace of mind knowing that if your hire car is damaged or stolen whilst in your care you won't be left out of pocket. Buying in advance could also save you a significant amount compared to equivalent cover from the hire car company at their rental desk. Our policies are underwritten by American International Group UK Limited.

What are Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW)?

In the Americas, many rental companies offer insurance, some inclusive in the rental price and some at an additional cost. However, depending on what state you are in, you may have limited cover for damage to the rental car and Third Party Liability. Ensuring that you have appropriate cover in place is important so you don't get left with a nasty bill if you are unfortunate enough to have an accident whilst on holiday.

What is the difference between Annual and Annual Family & Partner policies?

Our Annual policies provide cover for an unlimited number of car rentals in a 12 month period, within a specified geographical area. As standard these policies provide cover for the policyholder and all additional named drivers included on each rental agreement. The policyholder must be the lead named driver on all car rentals to be covered by the Annual policy. Our Annual Family & Partner policies provide all of the cover included within our Annual policies, but provide cover for two policyholders (who must be family members). Purchasing a Family & Partner policy gives the flexibility to have cover for car rentals in both policyholders' names, allowing policyholders to hire cars independently and both enjoy the benefits of full cover.

I've purchased a Direct Car Excess Insurance policy; do I need to leave a deposit when I collect my rental car?

Yes. If you take out our Direct Car Excess Insurance policy you don't need to take out the rental company's own policy. However, the rental company will usually ask you to leave a holding deposit which is held against your credit card. The deposit is usually the same cost as the excess you are responsible for so make sure you have enough funds on your credit card to cover this.

I've purchased a Direct Car Excess Insurance policy but the rental company is still trying to sell me theirs; what do I do?

If you have already purchased a Direct Car Excess Insurance policy, you can rest assured that if you are involved in an accident or the rental car is stolen, we will reimburse you the excess (up to £6,000). Remember, the deposit you left when you collected the rental car will be deducted from your account but we will reimburse you that cost. As with all insurance policies, there are some exclusions. Please read the policy wording to make sure you are comfortable with our cover.

Are there any countries that are excluded?

Yes. Our policies do not offer cover travel in or through Afghanistan, Cuba, Liberia, Sudan, Iran or countries where the Foreign Office has warned against all but essential travel. Are the other people who travel with me covered? Yes. Our policies cover the policyholder, who must be the lead driver on the rental agreement, and all other named drivers providing they are UK residents, have a valid full UK, EEA (European Economic Area) or Swiss driving licence and are aged between 21 and 85 years.

Are the other people who travel with me covered?

Yes. Our policies cover the policyholder, who must be the lead driver on the rental agreement, and all other named drivers providing they are UK residents, have a valid full UK, EEA (European Economic Area) or Swiss driving licence and are aged between 21 and 85 years.

Are all vehicles covered?

No. Our policies do not cover the following vehicles: Motor homes, camper vans, trailers or caravans, trucks, commercial vehicles, goods carrying vans, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles and passenger vans and vehicles with more than 9 seats. Any vehicle which has a retail value when new in excess of £60, 000 and has a 0 - 62mph(0 - 100kph) time of less than 7.5 seconds. Any vehicle which is over 20 years old

What are the exclusions?

Please refer to the policy wording for details of all exclusions.The key exclusions are as follows: No cover whilst driving in violation of the road laws of the country of hire. No cover while driving off-road other than on a properly maintained private road. No cover for occupational or professional use or rentals for business use. You cannot claim for credit card, commission or currency conversion fees. No cover for mechanical or electrical breakdown of the hire car

Have a question to ask? Click here to find out how to contact us

BACK TO TOP

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.

We collect and use your personal information in accordance with our Privacy Policy which includes details about our use of cookies.

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.