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Bag yourself Excess Reimbursement Insurance and don't get caught short!

Car hire excess cover abroad

Though excess reimbursement insurance isn't the most exciting policy to read about, neither is being hit by large car hire excess charges when travelling abroad. At Holiday Extras we have a first class travel insurance with car hire excess policy available, which is accompanied with a bundle of extra cover. Our comprehensive policy covers your excess reimbursement so you don't have to worry about large payouts on top of your rental car return if you have to make a claim.

Our travel insurance with car hire excess even includes added cover for your personal possessions, rental vehicle key, drop off charges and the costs of vehicle misfueling. This car hire excess policy also includes comprehensive protection for rental vehicle lock out, loss of use of insured vehicle and road rage or carjacking cover. With these extra benefits included, it's far better to spend a small amount of your pre-holiday budget on protection rather than risk a chunk of your holiday spending money later.

Don't breakdown over the thought of car hire excess

All car hire policies can come with an excess, including those you take out on holiday abroad. On a standard policy the point of car hire excess is perhaps to ensure drivers don't make a claim for every dent or scratch - which reduces the number of claims and can keep the insurers costs down. In some cases, particularly with car hire companies abroad, the car hire excess can be extremely high.

In simple terms travel insurance with car hire excess cover allows you to claim back some or all over the excess of the claim you make, though be advised to check the policy wording to see the exact cover amounts available. Some car rental companies abroad may offer their own excess waiver or collision - loss damage waiver insurance, though this can be very costly. Remember that not having holiday insurance with car hire excess cover at all can prove even more expensive in the event of a claim!

You can book your travel insurance with car hire excess today by calling our UK-based call centre and speaking directly to a member of our insurance team on 0800 093 1900 and quoting WY922.

So, what's covered with car hire excess travel insurance?

Below is the cover available on the excess amount shown in your rental agreement, which will be refunded if the insured vehicle is accidentally damaged, involved in an accident or stolen, during the rental period.

Accidental Damage Excess Reimbursement Limits (up to)
Excess / deposit charged by hire company £4000 / claim (£5000 in any one policy year)
Roof of the Vehicle £600
Windows, windscreen or glass in sunroof £800
Undercarriage £500
Tyres £100 / tyre replacement or £50 repair / flat tyre
Travel insurance with car hire excess cover

What added comprehensive protection is also included?

Personal possessions

With Holiday Extras' travel insurance with car hire excess policy you will also receive up to £300 in personal possessions cover with up to £150 cover for a single item. This covers personal possessions damaged following attempted theft or those stolen from the locked boot, covered luggage area or glove box of your insured vehicle during your rental period.

Rental vehicle key cover

Rental vehicle key cover is included covering up to £500 for each claim incident (up to £2000 in total in any one policy year) to replace the keys to the insured vehicle if these are lost, stolen or damaged during the rental period. This also includes, where necessary, the costs to replace locks or for a locksmith to break into the insured vehicle.

Rental vehicle lock out

You will be paid up to £60 in total for the cost of a locksmith to open the insured vehicle without causing any damage, if you are left locked out of the insured vehicle during your rental period.

Rental vehicle misfuelling

If you take out this travel insurance with car hire excess policy, rental vehicle misfuelling cover is included as standard. Holiday Extras will pay up to £500 for each claim incident (up to £2000 in total for any one policy year) for the costs to clean out the engine and fuel system, if you put the wrong type of fuel into the insured vehicle. This will also include, where necessary, the costs to tow the insured vehicle to the local garage for the repairs to be carried out.

Loss of use of insured vehicle

Also included with this car hire excess cover is up to £25 per day (up to £300 in total), that you are unable to use the insured vehicle during the rental period because of illness or injury.

This will only apply if:

  • There is no other authorised driver able to drive the insured vehicle
  • You get written confirmation from a doctor that you have to be confined to bed for medical reasons and the dates you are unable to drive the vehicle

Drop off charges

We will pay you up to £300 in total for the vehicle hire company's drop off charges, if you are unable to return the insured vehicle as shown in your rental agreement, because of illness or injury.

This will only apply if:

  • There is no other authorised driver able to drive the insured vehicle
  • You get written confirmation from a doctor that you have to be confined to bed for medical reasons and the dates you are unable to drive the vehicle

Road rage / Car jacking

In the unfortunate event that this takes place within your car hire excess cover there is protection and we will pay you or your personal representative up to £1,000 in total, if you are physically assaulted by a third party during your rental period following:

  • A road rage attack that leads to damage to the insured vehicle; or
  • the theft or attempted theft of the insured vehicle

Please note: Our travel insurance with car hire excess policy does not act as a replacement for your hire car insurance. It is an addition to your regular insurance policy that you will buy alongside your rental agreement - it may even be included in the rental price so it is worth shopping around!

It is also important to ensure that the policy with your car rental company does not already include car hire excess insurance. Unfortunately, some companies aren't always clear about what is covered under their insurance and it can be very expensive - so it pays to be wise about the small print!

Travel insurance with car hire excess cover

You can book your travel insurance with car hire excess today by calling our UK-based call centre and speaking directly to a member of our insurance team on 0800 093 1900 and quoting WY922.