Car Hire Excess Insurance

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Car Hire Excess Insurance Cover

When travelling abroad, many people choose to rent a car as an easy way to get around the local area. But when they sign up for their rental car, many do not realise that the agreement could still leave them with a hefty bill should they be involved in an incident, even if they sign up for the Collision Damage Waiver (CDW).

Even with the CDW, drivers are liable for the excess on the rental company’s car insurance, which can often be more than £2,000. It’s clear that most drivers aren’t aware of this until it’s too late. With the Car Hire Excess Insurance that we offer, you are also covered for this element, meaning you won’t be lumbered with any nasty surprises should you be involved in an incident.

Driving abroad is strewn with potholes, with different rules of the road and different driving approaches. Even when driving as carefully as possible as you would when in the UK, there is always a risk of falling foul of an unknown foreign law or some of the ‘less careful’ driving styles that are often found abroad.

Benefits of Hire Car Excess Cover

Hire Car Excess cover offers valuable protection in addition to the CDW which is provided with your rental car. It allows you to relax in the knowledge that, should you be involved in an incident, you will be able to reclaim the excess that may be charged straight to your credit card.

Cover includes:

  • £5,000 Excess reimbursement – if you damage the vehicle, including tyres, glass and underbody of the rental vehicle, and need to pay an excess
  • £2,000 Key cover – in case your rental car keys are stolen or lost
  • £500 Miss-fuelling cover – in the event you accidentally putting the wrong fuel in the rental vehicle

You will also receive additional benefits beyond the excess cover:

  • £10,000 Personal accident
  • £500 Baggage cover
  • £1,000 Road rage cover
  • £1,000 Carjacking cover

Car Hire Excess Insurance is arranged with Voyager Insurance Services Ltd and underwritten by White Horse Insurance Ireland Ltd through a facility operated and managed by Strategic Insurance Services Ltd. Voyager Insurance Services Ltd and Strategic Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register at or by contacting them on 0800 111 6768. White Horse Insurance Ireland Ltd are regulated in the Republic of Ireland by the Central Bank of Ireland.

Additional Travel Insurance

If you are hiring your car on a trip abroad then Navigator can also help you organise a travel insurance policy for your trip. By combining this with other policies, such as your breakdown cover and car hire excess cover you can give yourself peace of mind that will enable you to relax and enjoy your holiday.
If you have any questions, get in touch with us and we can help you choose the best option for your breakdown insurance. If you know what you’re looking for then get a quote now.
Clicking this link will take you to a website operated by Voyager Insurance Services Ltd where you can purchase Car Hire Excess insurance. Navigator Travel Insurance is not responsible for the content of external websites.

Find out the best possible price for your travel insurance


Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.


Sports & Adventures

skiing, snowboarding, climbing and more

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.