Why Smart Travellers Buy Car Hire Excess Cover Online
If you’ve ever rented a car, you know the drill. You arrive at the counter, excited to hit the road—and then you’re hit with the hard sell: “Would you like to add full protection today?” Sounds reassuring, but here’s the truth: buying car hire excess cover at the rental desk is one of the easiest ways to waste hundreds.
That’s why more and more smart travellers are skipping the counter and buying excess cover online instead. Here’s why you should too.
What Is Car Hire Excess Cover?
When you rent a car, it usually comes with basic insurance. However, this policy includes a high excess (also called a deductible)—often £1,000 or more. That means if the car is damaged or stolen, you’ll have to pay that amount out of pocket, even if it wasn’t your fault.
Car hire excess cover protects you from that risk. It reimburses you for the excess charge so you’re not stuck footing a massive bill.
Why the Rental Desk Isn’t Your Friend?
- At the counter, rental agents often pressure you into buying their version of excess cover. But here’s the catch:
- It costs £15–£30 per day
- It may exclude common damage (like tyres, windscreen, roof)
- It’s designed to make money for the rental company, not protect you
For a one-week trip, you could pay over £200—and still not be fully covered.
The Online Advantage: Cheaper, Better, Smarter
Buying car hire excess cover online is the budget-friendly alternative. Here’s why smart travellers do it:
✅ Massive Savings
Third-party providers offer the same (or better) protection for a fraction of the price—starting at just £2 per day, or around £40–£60 for annual cover. That’s up to 90% cheaper than buying at the counter.
✅ More Comprehensive Protection
Online policies often include:
- Windscreen, tyre, roof, and underbody damage
- Lost keys and lockouts
- Towing and admin fees
- Misfuelling
You get broader protection for less money.
✅ Fast & Easy Purchase
In just a few clicks, you can get covered before your trip. Policies are sent straight to your inbox. Many companies also offer 24/7 claims support, fast reimbursement, and mobile-friendly claims portals.
How to Use It
Book your rental car as normal.
- Buy your excess cover online before your trip.
- Decline the rental company’s insurance at the desk.
- If damage happens, pay the rental company, then claim it back from your insurer.
- It’s simple and saves you a fortune.
It’s simple and saves you a fortune.