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Car Hire Excess Insurance

in conjunction with Halo Insurance Services Ltd

Car Hire Excess Insurance

    Yes, if your car is damaged or stolen it’s likely that you’ll have to pay the excess charge to the rental company. However with our Car Hire Excess Insurance, simply submit your claim and you will be reimbursed any excess charge that you have paid.

    Top tip : Please ensure you have sufficient credit on your credit card in case you need to pay for excess charges.

    Policyholders must be aged between 21 and 85.

    • Vehicles under annual cover must be no longer than 65 continuous days
    • The policy does not cover vehicles which are over 20 years, exceed the value of £100,000, or vehicles that are considered to unconventional such as antiques.
    • The policy does not cover rental vehicles that are not licenced for road use, and other vehicles types, including trailers or caravans, camper vans (unless you buy optional Campervan and Motorhome protection under section 22 of an annual car hire excess policy), commercial vehicles, vans or loan vehicles, trucks, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles, motor homes, passenger vans and vehicles with more than 9 seats.
    • Not valid for use in racing competitions, rallying, trials, rallies or speed testing, or when driven on a motor sport circuit.

    If you would like to make a claim please click here.

    You are covered for the region in which the policy was purchased for and if you are a resident of the EU you’ll also be covered if theft or damage occurs within 150km of your home.

    You can request auto renewal when purchasing your annual policy to ensure you have continuous cover. This means we will automatically renew your policy when it runs out, unless you tell us not to.

    21 days before the expiry date of your policy, we will email you to the email address we have on your existing policy and tell you about your policy, we will inform you of any changes to your premium or the policy terms and conditions.

    If you choose not to auto-renew your policy you can suspend your policy by calling us on our freephone number 0800 088 2985.

    Our policies provide cover automatically for up to 9 named drivers, provided that they are all named on the rental agreement.

    When you purchase one of our car excess policies you are automatically covered for any car that you rent in the territory for which you have bought cover as long as you are the main driver on the car rental agreement. If you are not the main driver of the vehicle, you are not covered by the policy automatically. You must ensure that any additional drivers are named on the rental agreement then they will also be covered for any excess charges such as loss or damage to the vehicle.

    All named drivers on the excess policy must have a valid license which entitles you to drive in the territory in which you are hiring and must be aged between 21 and 85.