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What is Excess Insurance

Last Updated: 14th Jan, 2022

Your car rental agreement will include Insurance cover Collision Damage Waiver (CDW). However in some countries there may be an excess on it. When a rental car is damaged or stolen, the driver will be asked to pay the first portion of the repair or replacement costs up to the amount of the excess. Please see your rental contract to see how much excess is on your car. It may be zero or it maybe be €1500 or more.

Car Hire Without a Deposit

No car hire company will rent a car, at today's low prices without either you having to leave a deposit or you taking out a super insurance policy with them. This will cost approximately €25 per day, which you will pay for at the desk when you collect the car. This will then give you full cover and you will not need to leave a deposit.

Cheaper Option

Take annual multi trip insurance, or if renting for less then 10 days per year, take our daily excess insurance. When you purchase our excess insurance this will cover the excess, so you will not be at a loss. It covers you if the car is damaged or stolen, and also for damage to the roof and undercarriage of the car, and windows and tyres

Purchase the excess insurance before you pick up the car here. Bring the documentation with you to the car rental desk. Politely decline the car rental company's excess coverjust ensure the CDW cover collision damage waiver cover is included in your rental. Remember you are insured, providing the date is valid, so you do not need their more expensive excess cover.

If the car is damaged or stolen, the car rental company will charge your credit card for the Excess amount and you then claim for reimbursement on your Policy.

If you purchase the annual multi trip excess insurance, it will provide excess insurance on all car hire for a 12 moth period. This is extremely good value at €50 (Multitrip) per annum as the car hire companies charge approximately €25 per day

You will have better cover on an unlimited number of rentals per year.

Covers damage to the windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car hire companies

However you will need to have sufficient funds available on the credit card to cover the excess amount, as the car hire company will block this amount.

Please note, policies purchased after the collection of your rental vehicle will not be valid.

No excess car insurance

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Excess Insurance

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