Car Hire Excess Insurance Quote

Daily cover from £2.99 per day^

If you’re planning to rent a car abroad or in the UK, you may want to consider purchasing a separate car hire excess insurance policy before you travel. The policy is designed to reimburse you of any excess charges imposed by the rental company, in the event of you damaging the car whilst out on hire.

Cover available for UK residents aged 21-85.

You can extend your policy to cover any of the following:

Vehicle Key Replacement

(up to £1,000)


Protect against the cost of replacing lost or stolen keys whilst driving a hire vehicle. 

 Replacing a lost or stolen hire vehicle key

 Locksmith charges

 Replacement locks

Personal Accident cover

(up to £10,000)


Provides a financial benefit if the driver of a hire car suffers certain injuries or death while in control of the rental vehicle.

 If you or named drivers on the rental car agreement are injured while driving in the hire vehicle, and the injury is the sole cause of death, loss of limb, or loss of sight
 If the injury is caused by suicide, attempted suicide, or self-injury
 If the injury is caused when under the influence of drink or drugs
 If a seatbelt was not worn

Campervan & Motorhome cover

(up to £2,000)


If you’re hiring a campervan or motorhome, you’ll need to purchase this extension to your car hire insurance policy to cover this type of vehicle.

 Up to £1,000 cover for a single incident

 Up to £2,000 cover for a series of incidents

  Claims where you have not met your Vehicle Rental Agreement

  Where the Rental Vehicle is not being driven by or is not in your control

  If the driver is not stated on your Vehicle Rental Agreement

^Based on UK resident buying a single trip policy to cover 10 days car rental in Europe

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Car Hire Excess Insurance is arranged and administered by Halo Insurance Services Limited, a company registered in England and Wales, Company No. 6929208 and underwritten by Zurich Insurance plc (A public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ). Zurich Insurance plc is authorised by the Central Bank of Ireland and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation by the Financial Conduct Authority are available from us on request. FCA Firm Reference Number is 203093. Halo Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, Register No. 504629, for the sale and administration of general insurance products in the United Kingdom and throughout the European Economic Area (EEA).
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