Quick, Easy and Affordable Car Hire Excess Insurance

Compatible with ALL major car rental companies WORLDWIDE!

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Customers Reviews

I wholeheartedly recommend CarInsuRent. Their response time was exceptionally prompt. They requested standard documentation and photos of the damage, and I received payment directly to my PayPal account almost immediately.

I am a new customer and they handled my claim with no issues for the full amount I was charged. All by email. They even took action against the hire car company in Heathrow who were overcharging me for something really minor! Thanks for your support.

Got an insurance for rental car in Iceland, while on the trip I had a tire damage that was not covered by the car rental company.
Emailed a claim to CarInsuRent and got the payment fully covered without any problem.
Make sure you take photos of everything before and after.

Our Benefits


We reimburse your excess

If your hire car is involved in an accident or is stolen while in your care, we will reimburse you for the excess charged by the rental company


We cover damages excluded by others

We cover damages excluded by others – We also reimburse charges billed to you due to damage to the rental car’s windscreen, auto glass, tyres, undercarriage or roof.


All welcome

Not EU or UK resident, not a problem! Non-EU or non-UK residents can also purchase a policy.

Explore the best offers and benefits using our services

  • We cover all nominated drivers
  • Fast Claims
  • We cover single-vehicle accidents
  • Worldwide cover
  • We cover baggage and personal belongings
  • Many vehicle types covered
  • We cover the replacement of a lost or stolen Rental Car key
  • Multi trips
  • We cover exorbitant rental company fees added to your repair bill
  • Local Rentals
  • We cover rentals for up to 45 days

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What is Car Hire Excess Insurance?


When you are travelling and you rent a car, the hire price normally includes Collision Damage Waiver (CDW) insurance covering you for accidents. However, even if you have CDW insurance you have an obligation to pay for the repairs needed in case the car gets stolen or damaged while it is under your custody. The amount you need to pay in case of an accident is called an excess or “liability”. The excess is the amount of money that the hire company will expect you to pay towards the cost of any damage the car suffers while it is on hire to you. The sums involved can be very high – up to €2,500 in some cases.

In most cases when you pick up the car you’ve hired the car rental company will offer you the option of upgrading your insurance to minimize or remove the excess cost, but this is usually expensive and is normally an unexpected extra cost to your holiday.

Given the scale of your potential financial exposure in this case, protecting yourself with Best Car Hire Excess Insurance just might make sense.

You can cover these costs for less with us before you travel. We offer Car Hire Excess Waiver insurance, which is a reimbursement policy which is designed to help you avoid these large excess costs.

CarInuRent.com combine great value cover with high quality customer care. At CarInsuRent.com we offer both European and Car Hire Excess Insurance Worldwide policies. If you are a frequent traveler and are likely to hire two or more times a year, our annual car hire excess insurance cover for multiple rentals anywhere in the world. Annual rental car excess insurance policies offer great value and 365-days peace of mind.

Our policy covers all nominated drivers included in the rental agreement, as long as they are 21–75 years old and have a valid driver’s license.

We cover damages excluded by others such as charges billed to you due to damage to the rental car’s windscreen, auto glass, tyres, undercarriage or roof. We cover single-vehicle accidents, baggage and personal belongings as well as replacement of a lost or stolen Rental Car key.

See How Much You Can Save on Your Car Rental Insurance

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Do You Need Rental Car Insurance?


You’re tired after a long flight, and it’s finally your turn at the rental car counter. The agent is pleasant until it’s time to talk about the Rental Car Insurance. This is the time when he will try to push the rental car’s excess waiver insurance.

Insurance products sold by vehicle rental firms, such as CDW and Loss Damage Waiver (LDW) are not a good deal. Aside from being overpriced, they have a lot of exclusions hidden in the fine print. Rental companies also exaggerate the cost of repairs and find imaginary damages. What many renters don’t know is that rental firms do not profit off their vehicles but earn money from other things they can bill to the customers, such as insurance. Insurance scams are therefore a common source of revenue in this industry.

If you are tempted to buy Super Collision Damage Waiver (SCDW) or Excess Reduction from car rental companies, it will be a lot more costly than other choices.

If you choose to buy car rental excess insurance from CarInsuRent.com, your policy will cover the excess charged by all licensed rental vehicle suppliers. Our excess reimbursement insurance cover single-vehicle accidents and damage to rental cars, damage to the tyres, windscreen, glass, underbody & roof as well as cover lost, stolen or accidentally damaged valuables, baggage, and personal belongings.

I have used carinsurent car hire excess insurance for 3 years.

Unfortunately Avis charged me EUR 360 for a tiny scratch and also I had to claim. Although it took them 6 weeks to finalize the claim (probably due to covid19), I got the money and I am pleased to recommend.

Ella Mikayla

If you are travelling and renting a car for more than 12 days, or if you are hiring cars around the world, our Worldwide Hire Car Excess Insurance is ideal for the frequent traveler and cover rentals almost anywhere in the world. With annual car hire insurance you can simply avoid paying for your car rental excess waiver insurance each time you hire a car.

Of course, you can always choose to Do Nothing and not to purchase anything. In case of an accident (whether major or minor), rental companies would quickly bill your credit card the maximum damage. The sums involved can be very high – up to €2,500 in some cases.

So we know that at the time when you reach the rental car counter you want to get the agent off your back, and get on with your trip. If you purchase your Car Rental Excess Insurance right now, you will be able to cover your risk and get your keys faster.

Travel Tips and Guides


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Frequently Asked Questions (FAQ)

Can I cancel my policy before my trip?

You can cancel your policy within 14 days of receiving your PDS and Certificate of Insurance. The premium you have paid will be refunded to you in full, as long as you have not started your trip and do not want to file a claim of any sort related to the policy. Once this 14-day period has passed, you can still cancel your policy but you will not receive any refund.

Does CarInsuRent cover Sand and Ash Protection and Gravel Protection?

Our Iceland policy include Sand and Ash Protection (SAAP) and Gravel Protection (GP).

What is Sand and Ash Protection (SAAP)?

Sand and Ash Protection (SAAP) is a type of insurance coverage that is designed to protect rental cars from the potential damage caused by volcanic ash and sand in Iceland. Certain areas of Iceland still have loose ash and fine sand from the Eyjafjallajökull eruption, which can blow around and damage vehicles. SAAP is a specific waiver that was created to cover this type of damage, as Icelandic insurance companies do not include it in their Collision Damage Waiver. This coverage is optional, but highly recommended if you plan to drive in Iceland. Camping Iceland, a local car rental company, claims that SAAP will serve you well and recommends it for all rentals.

When is it Common for the Wind to Toss Sand Onto the Roads?

Sand can be hurled onto roads in Iceland during the Sand & Ash period, which typically occurs in February, March, and April. During this time, the snow has only just thawed out and the grass hasn't grown sufficiently to keep the sand in its place. This can lead to damage to vehicles driving on the roads. It's important to note that sand and dust storms, which can also cause visibility issues for drivers, typically occur when strong winds lift large amounts of sand and dust from bare, dry soils into the atmosphere.

What does CarInsurent Sand and Ash Protection in Iceland cover?

Due to the recent volcanic eruptions in Iceland the risk of damage to the paint and windows of the cars has increased. Our Sand and Ash Protection (SAAP) insurance can cover damage to the paint, windows, lights, plastics, chromes, and wheels of the rental car caused by sand, gravel, ash, pumice, or other earth materials being blown onto the vehicle. The deductible for SAAP insurance is typically 50,000 IKR for all rental cars in the fleet. No other insurance covers these damages and insurance companies refuse to cover them. Even though all safety rules are followed damage can happen when, for example, wind starts blowing more than was forecasted thus moving the sand/ash and damaging the car.   [carInsurent_sc_get_quote_cta cta_text="See How Much You Can Save on Your Car Rental Insurence" cta_btn_text="Get Started"]  

Does the Insurance Cover Lost Keys and Remote Locking Devices?

Yes. CarInsuRent insurance covers lost keys and remote locking devices. Losing the keys to a rental car can be a stressful and frustrating experience. Many people wonder if their rental car insurance will provide coverage for lost keys. Rental car insurance policies may vary in their coverage for lost keys. Lost keys are not typically covered by car insurance for loss or theft, as keys are considered personal property.

Steps to Take If You Lose Rental Car Keys

Losing rental car keys can be a frustrating and stressful experience, but there are steps you can take to get back on the road quickly. Here are some tips based on the provided web search results:
  1. Contact roadside assistance: Most rental cars come with a roadside assistance phone number that you can call in the event of a lockout or lost keys. You should be able to call and have someone sent out to help with your situation. Note that our car hire excess waiver insurance may reimburse you for roadside assistance.
  2. Check for a spare key: Some rental cars come with a spare key that is located in a magnetic box under the car or in the trunk. If you have rented a car that has a spare key, this could be an option to get back on the road quickly.
  3. Contact the rental car company: Contact the rental car company as soon as possible to let them know what has happened. They may be able to provide you with a replacement key or arrange for a locksmith to come and assist you.
  4. Check your insurance policy: If you take out our car hire excess insurance you may have coverage for lost or stolen rental car keys.
  5. Take preventative measures: One of the best ways to avoid losing rental car keys is to make them harder to lose. Attach a big, noticeable lanyard or keychain to the keys, something that will make a noise when moved, to help you locate them quickly. Additionally, always double-check that you have the keys with you before leaving the car.
  We encourage you to read our full guide to learn everything you need to know about travel car hire excess insurance.   [carInsurent_sc_get_quote_cta cta_text="See How Much You Can Save on Your Car Rental Insurence" cta_btn_text="Get Started"]   Please see the Policy Wording for the complete terms and conditions.

Find the answers you’re looking for to the most frequently asked car hire insurance questions as well as other questions relating to our products and services.

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