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Car hire excess insurance

Cover the cost of accidental damage
from just 14p a day*

We've teamed up with insuremycarhire.com
Insuremycarhire.com

They're one of the UK's leading excess insurance providers.

Now you can get car hire excess cover at a fraction of the price charged by some car hire companies.

Car hire excess made simple

Most car hire companies charge an excess if you have an accident – this means that you will be responsible for the first part of the claim. Some excesses can be up to £1,000.

With Car Hire Excess Reimbursement Insurance you can avoid these often high charges and claim your excess back. Hire car companies can charge £16 a day to protect your excess – with the AA its less than £5.

Benefits include:

  • simple clear pricing – pay by the day or for the year
  • daily cover from just £4.50 a day
  • up to £5,000 cover per policy – includes up to £500 cover for misfuelling or lost keys
  • covers the excess for most common damages (eg, headlights, windscreens, roof, wheels and undercarriage)
  • available for rentals in the UK and abroad**

Save over £180 on a two week holiday

Choose from daily or annual cover to suit your travel needs – annual cover is available from just 14p per day.*

Car Hire Excess Reimbursement Insurance

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* An annual European cover policy at £49 equates to less than 14p a day.

** No cover is provided under this policy for any trip in, to, or through Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe.

Based on the cost of two-week excess reducing cover through a major car hire company for an medium compact car during 1–14 August 2012, collection from Malaga Airport, Spain.

Insurance4carhire.com and insuremycarhire.com are a trading name of Towergate Underwriting Group Limited, which is authorised and regulated by the Financial Services Authority.

Towergate provides products underwritten by a range of insurers for customers introduced by Automobile Association Insurance Services Limited, which authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.

How car hire excess works

Most car hire companies include Collision Damage Waiver (CDW) when you hire a car. With CDW any accidental damage is covered under the car's insurance. However, car hire companies may charge an excess for any repairs – the proportion you pay towards the cost. These excesses can be up to £1,000 each time.

Some companies offer insurance policies to reduce or remove this excess – up to £16 for each day of the hire. This can add over £100 to the rental cost just for one week. And often these policies are available only at the rental desk in the small print, just when you and your family want to get off to your desination.

Car Hire Excess Reimbursement Insurance with the AA

Getting Car Hire Reimbursement Insurance with the AA in advance can save hundreds off your rental costs. And if your vehicle does suffer any accidental damage, you can claim back any excess you're charged and not be left out of pocket. Also, the cover includes items that most car hire policies exclude, such as damage to headlamps, misfuelling or the replacement of lost keys.

And where many car hire policies exclude rentals within 150km of your home, Car Hire Excess Reimbursement Insurance with the AA also covers rentals in the UK. So you'll be covered wherever you are. See the key benefits below.

 Daily policy worldwide coverAnnual policy European coverAnnual policy worldwide cover
Premium £4.50 £49.00 £59.00
Number of drivers Up to 8 drivers Up to 8 drivers Up to 8 drivers
Driver age 21–85 21–85 21–85
Excess cover limit per claim £4,000 £4,000 £4,000
Total claim limit per policy £4,000 £5,000 £5,000
Covers rental in UK Included Included Included
Damage cover      
Windscreen Included Included Included
Other windows, mirrors Included Included Included
Roof Included Included Included
Undercarriage Included Included Included
Tyres Included Included Included
Headlights Included Included Included
Towing costs Included Included Included
Misfuelling Included up to £500 Included up to £500 Included up to £500
Lost or stolen keys Included up to £500 Included up to £500 Included up to £500
Medical curtailment      
Having to cut your journey short Additional benefit up to £25 per day Additional benefit up to £25 per day Additional benefit up to £25 per day

Car Hire Excess Reimbursement Insurance

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Policy documents

Please read all of the information relating to your policy before you buy Car Hire Excess Reimbursement Insurance with the AA.

Daily cover


Key features

Full policy


Europe annual cover


Key features

Full policy


Worldwide annual cover


Key features

Full policy