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

How does your Car Hire Insurance work?

Car rental desks around the world take millions of pounds every month by selling expensive car hire excess protection policies – frequently charging in the region of £10 to £20 a day – but you can avoid paying over the odds by buying an independent policy through moneymaxim from around £2 per day.

If you renting a car in Europe, Australia and New Zealand (or normally anywhere in the world through a UK rental company) you will be looking for an 'Excess Insurance Policy' which will cover the excess, and parts of the car your car rental company won't cover - such as glass (including the mirrors, lights and windscreen), tyres, wheels and underbody.

If you are renting directly from a US or Canadian car hire firm your car may come with no insurance at all, or just liability insurance. If thats the case you can buy a policy with full Collision (or Loss) Damage Waiver (CDW or LDW) and, if required additional Supplementary Liability Insurance (SLI), which tops up any liability insurance provided locally. It will also cover the glass, tyres etc.

Run a quotation on the moneymaxim car hire insurance comparison site and you will be prompted for the right responses as you go. If you have any further queries please call our customer service team, or use our chat facility.

When you get to the car hire counter you turn down any insurance policies they offer you, as the policy bought through Moneymaxim will provide the required cover. If travelling to an area requiring CDW / SLI you will need to provide a copy of the policy at the desk, so do take a copy with you.

The policy covers the policyholder (and named drivers if they have been included) rather than the car, so if you are charged for damage or theft by the car hire firm you pay this on your credit card, and make a claim for that sum to your car hire insurer (if the claim is sizeable and in particular under a CDW / SLI policy its likely the insurer will deal with the car hire company directly).

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

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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.