A reminder about cookies... as a user of our site you're agreeing to the use of cookies. Find out more.
moneymaxim


Register Now! Forgot Password

Live chat by BoldChat

Call us FREE on 0800 520 0699
Search Our Site

Home >  > Car Hire Insurance - Home  > Car Hire Insurance - FAQs

What are the restrictions on the Annual Car Hire Excess Insurance Policies?

You need to be aware that some policies do restrict their usage in certain ways. The following are examples, but do read the terms and conditions for any policy carefully for full details.

Drivers ages - generally policies are available for those between 21 and 85 - however those under 25 should find out the car hire companies policies regarding younger drivers. Sometimes they insist upon larger excesses or compulsory in house insurance. Those under 25 are highly recommended to shop around between car hire firms, understanding the total price including young drivers levies and insurances that must be taken, as the 'add-ons' are likely to influence the total price considerably.

Cars - some policies will not cover exotic or vintage cars - check carefully if you wish to hire such a vehicle. Likewise all have a maximum value of the car - which will be at least $50,000 or equivalent, but in some cases higher. Not a problem for most rentals. One company has introduced a maximum acceleration limitation of 0 - 62 mph in less than 7.5 seconds. Having checked this doesn't really apply to the run of the mill rental car, but if you are looking to hire a hot hatch watch out.

Usage - You cannot use the car in a negligent way - so no drink driving, off roading, taking the car onto the beach

Other Vehicles - Vans with more than 9 seats, Caravans and Motorbikes are not covered. However there are policies that cover Commercial Vans, Camper Vans, Motor Homes and RVs on a daily basis - these policies also tend to be good value compared to cover offered by the rental firms, and links to suppliers are available on our car hire excess insurance home page. If you are not renting a car do check the policy you are thinking of buying carefully to ensure its covered.

Size of excess - some policies provide cover up to £2,000, some up to £5,000 or more. The lower figure covers the majority of cars in Europe, although some companies have pushed up excess levels to the extent that its becoming a close run thing. Budget in Italy for example have a excess limit of €2,299 (correct as at 25/04/13) on even their smallest vehicles, Portugal and Ireland are also getting close to the limits.. If you are travelling in Australia also be aware larger excesses tend to be charged.

Length of hires - Annual policies cover stays abroad to certain number of days - all policies cover 31 days - if you are likely to stay abroad for more than that check the policy - some go up to 62 days.

UK use - different policies have different rules on use within your usual country of residence. Use the moneymaxim car hire insurance service to define your requirements.

Compare car hire insurance prices with moneymaxim

If you have any queries do call a member of the moneymaxim car hire insurance team.
car hire
General Car Hire Insurance Questions

Excess Insurance Questions

Questions on CDW & SLI Policies for the USA and Canada

Combined Worldwide CDW, SLI & Excess Policy Questions

Driver related Questions

Car Rental Keys Questions

Car Hire Companies - Insurance Questions

General Car Hire Queries

[top]

Car Hire Excess Insurance
General Car Hire Insurance Questions

Do I need Car Hire Excess Insurance?

How does your Insurance work?

What does All inclusive Car Hire Insurance Cover

No Excess Car Hire - What does this include?

Does my car rental agreement already include insurance?

Why are there restrictions on UK usage

Can a hire company refuse to accept a car hire excess policy?

Are other people travelling with me covered?

Is window and tyre damage covered?

Can I purchase your Excess Policies if I am not a resident of the UK?

Do you cover vehicles such as Camper Vans, Caravans and Motor Bikes?

Super CDW, Deductables and Non Waiver - What do they mean?

My hire company offers Super CDW or Excess cover? What is this?

Will car hire insurance cover me if I pick the car up at one location and return it to another location?

Will the car rental company block any money on my credit card when I have your Excess insurance?

I have a credit card which covers my Collision Damage Waiver (CDW) - do I need your coverage?

Which insurance do I need for my car hire?

What cars are covered by car hire insurance?

What do you mean by annual policy? Can I use it throughout the year?

What is covered by the Theft insurance included in the car rental price?

What is Personal Accident Insurance (PAI) and do I need it?

What is Personal Effects Cover (PEC) and do I need it?

Do I need car hire cancellation insurance?

How good are these companies at settling claims?

[top]

car hire
Questions on Excess Insurance

Do I have to have Excess Cover?

What cover is provided by the Annual Excess Policies?

What are the restrictions on the Annual Excess Policies?

In which countries is Excess/Super CDW charged?

In which countries is Excess/Super CDW not charged?

What is Excess Waiver Insurance?

How do I make a Claim on my Excess Insurance?

How are Claims handled?

[top]

Car Hire Excess Insurance
Combined Worldwide CDW, SLI & Excess Policy Questions

What cover is provided by the Combined Worldwide CDW, SLI & Excess Policy?

What are the Features of this Policy?

How are Worldwide Policy Claims handled?

[top]

Questions on CDW & SLI Policies for the US and Canada

Explain the requirements for car rental insurance in the USA and Canada?

If I purchase this Policy, am I fully covered for car rental insurance in the USA and Canada?

What are the Features of the CDW/LDW & SLI Policy?

What are the Restrictions on the CDW/LDW & SLI Policy for the USA and Canada?

Why do you not recommend this insurance for fly-drive programmes?

How are SLI/CDW Claims handled?

[top]

car hire
Car Hire Companies - Insurance Questions

What insurance policies are offered by Alamo?

What insurance policies are offered by Auto Europe?

What insurance policies are offered by Avis?

What insurance policies are offered by Budget?

What insurance policies are offered by Car Brokers?

What insurance policies are offered by Dollar?

What insurance policies are offered by Enterprise?

What insurance policies are offered by Economy Car Rentals?

What insurance policies are offered by Hertz?

What insurance policies are offered by National?

What insurance policies are offered by No Excess Economy Car Hire?

What insurance policies are offered by Sixt?

What insurance policies are offered by Thrifty?

[top]

Car Hire Excess Insurance
Driver Related Questions

Young Drivers (under 25 years old)?

Am I too old to hire a car?

Does it cost more for additional drivers?

Do all drivers have to take their driving licence with them?

Are other people travelling with me covered?

Do I need an International driving licence?

What happens if I forget my driving licence?

Do I have to carry my driving licence with me when I am abroad?

[top]

car hire
Car Rental Keys Questions

Do car rental companies have spare keys?

What do car rental companies typically charge if you lose the keys to your rental car?

What does lock out cover mean?

What does key replacement insurance cover?

[top]

Car Hire Excess Insurance
General Car Hire Questions

Am I able to accept an upgrade?

What happens if the car rental company do not have the car I have been booked?

Whats the maximum number of passengers I can take in my hire car?

Does it matter what time of day I collect or return my hire car?

I booked snow chains, a roof rack or a roof box - what happens if there are not there when I arrive?

Can I pick my car up in one place and return it to another?

What methods of payment are acceptable for payment of my policy?

If I arrive late and want to pick up my vehicle the following day is this OK?

What if I am overcharged or don't get the car group I booked?

When is a weekly rate best for me, and does it affect my car hire insurance policy

What happens if the model I have booked is unavailable?

Will I get a Sat Nav with my car hire car?

Do hire car cars have to be of a certain age or quality?

What happens if the car or the boot is not big enough for my party?

What fuel rules apply to car hires?

I have been asked for a cleaning fee when the car is returned - is this fair?

[top]

car hire
moneymaxim - making money go further

moneymaxim always recommend you take independent financial advice before acting on any article. Any views expressed are those of the editorial team at the time of going to press, and should not be considered as either recommendation or specific advice. Readers should be aware that no warranty is given that the details are correct and are recommended to read any policy documents carefully before entering into any contract.