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The insurance that forms part of the typical hire car agreement incorporates an excess, which represents the first part of a successful claim for repairs or replacement if the hire car in question is stolen or damaged during the course of the hire period.

According to the website, the Money Saving Expert, it is possible to pay as little as £4 a day to hire a car in some parts of the world. What increases that basic price considerably is the cost of insurance – the third party cover required as a legal minimum in most countries and a degree of protection against the loss, theft or accidental damage of the car you are hiring.

You might think there is little to explain about car hire insurance. It is pretty much the same as the motor insurance you arrange at home for your own car, isn’t it? As with many things associated with insurance, the answer is likely to be both yes and no.

Even if you are planning an off-season winter break, when it comes to hiring a car, you might still be hit by some of the problems that continue to plague car rental customers during the summer months – especially concerning car hire insurance.

We may be in approaching Winter, but there is nothing like planning your next summer holiday to make you forget about the cold for a while.