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FAQ Section > Car Hire Insurance Frequently Asked Questions > 
What is an Annual Car Hire Excess Insurance Policy?
We explain why an annual car hire excess insurance policy might save you time and money when you hire a car
Annual Car Hire Excess Insurance
Why a Annual Car Hire Excess Insurance Policy can save time and money:
- You will hire cars for more than 17 days in a year - in almost all cases the cost will be less than separate short term policies
- You want flexibility to allow you to extend rental period without buying a new policy
- You don't want the worry than you might forget to buy a policy
Anyone who is hiring for more than two weeks a year should consider an annual policy - the tipping point when it comes to price is about 17 days.
If it's not clear cut which will be best for you we would suggest buying a daily policy - as it means if your plans change you have more flexibility - you can find out more on our Daily Car Hire Excess Insurance faq.
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This content was last reviewed on 17/12/2018
Similar Questions
General Car Hire Insurance Questions Answered
- Do I need Car Hire Excess Insurance when I rent a car?
- How does your car hire excess insurance work?
- Can I just buy an insurance policy, or do I need specific dates to be able to buy my insurance?
- What Does All Inclusive Car Hire Insurance Cover?
- 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 damage to windows and tyres covered?
- Can I purchase your Excess Policies if I am not a resident of the UK?
- Will car hire insurance cover me if I pick the car up at one location and return it to another?
- Will car rental firms preauthorise on my credit card when I have car hire excess insurance?
- Are there credit cards which offer Collision Damage Waiver (CDW) or Excess Insurance?
- 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?
- Can I buy car hire excess insurance when I am not in the UK?
- Does it cost more for additional drivers?
- Does it matter what time of day I collect or return my hire car?
- What if I have a problem printing or downloading the car hire insurance document?
- Do you cover vehicles such as Camper Vans, Caravans and Motor Bikes?
- What does breakdown cover on car hire excess insurance include and how does it work
- No Excess Car Hire - What does this include?
- What do zero excess car hire insurance policies offer?
- What if I am unable to open my MoneyMaxim email with my car hire or car hire excess insurance quotes on?
- My car hire is for 31 days. Should I take a daily 31 day car hire excess insurance policy or an annual policy?
- Should I buy an annual Car Hire Excess Insurance policy or single trip policy for my upcoming hire car?
- What if I need a policy to cover two groups?
- Does deductibles mean the same as excess?
- Can I use excess insurance to cover peer-to-peer hire?
- Can I get excess insurance for a pickup truck?
- Can I cover two or more lead drivers on one policy?
- Do I have to pay an excess if I buy a car hire excess insurance?
- What does Daily Car Hire Excess Insurance mean?
- What is an Annual Car Hire Excess Insurance Policy?
- Can I get car hire excess insurance to cover business use?
- Can travel insurance also provide car hire excess insurance?
- How far in advance can I buy car hire excess insurance?
- What are the advantages of buying annual car hire excess insurance?
- Comprehensive Insurance on Rental Car - How to Make Sure You are Fully Covered
Excess Insurance Questions Answered
- Do I have to have Excess Cover?
- What Cover is Provided by Car Hire Excess Cancellation Insurance?
- 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 Excess Insurance Claims handled?
- What is an Excess on a Car Hire and what are my responsibilities for it?
- What is Covered by Baggage and Personal Accident Cover?
- What Cover does Car Hire Insurance provide for Carjacking and Road Rage?
- What Cover does Car Hire Insurance provide for Curtailment or Restitution?
- Is the price displayed a daily or total cost?
- What Countries are designated European for Excess Insurance?
- Do I need to buy a second excess insurance policy for an additional driver?
- Does Excess Insurance cover Bodywork Claims?
- Excess Insurance covers the under-body, roof and tyres but does it cover me if I have an accident?
- How do I know what the excess limit is for my hire car?
- Does Car Hire Excess mean I wouldn't have to pay for anything?
- Do I still have to provide my credit card for the excess on my hire car when purchasing a policy from you?
- Will a car hire accident claim affect my car no claims bonus?
- Make Sure Your Car Hire Insurance Claim is Valid
- How large does my excess insurance limit need to be?
- When is the best time to get Excess Insurance?
- What is European Car Hire Excess Insurance?
- Do Worldwide Excess Insurance Policies cover you everywhere in the world?
Questions on CDW & SLI Policies for the USA and Canada Answered
- What are the features of a Combined CDW, SLI and Excess policy?
- How are Worldwide Policy Claims handled?
Combined Worldwide CDW, SLI & Excess Policy Questions Answered
- What are the requirements 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?
- Is independent car hire insurance suitable for fly-drive holidays?
- How are SLI/CDW Claims handled?
- What cover is provided by the Combined Worldwide CDW, SLI & Excess Policy?
- If I purchase a Collision Damage Waiver and Supplementary Liability Insurance Policy, am I fully covered for car rental insurance in the USA and Canada?
- Is Collision Damage Waiver (CDW) the same as Loss Damage Waiver (LDW)?
- What Cover is Provided with an SLI Policy?
- What does the term Collision Damage Waiver mean?
- Collision Damage Waiver Insurance - We explain what it is
- Theft Protection - Car Hire definitions
- Can I buy independant car-hire insurance for my fly drive holiday?
Car Hire Companies - Your Insurance Questions Answered
- What insurance policies are offered by Auto Europe?
- What insurance policies are offered by No Excess Zest Car Rental?
- What is Avis Insurance Cover like? Do they have CDW, Liability and Excess Waiver Cover?
- What insurance policies are offered by Budget?
- What insurance policies are offered by Car Hire Brokers? And are they a good deal?
- My hire company offers Super CDW or Excess cover? What is this?
- What insurance policies are offered by Dollar?
- What insurance policies are offered by Economy Car Rentals?
- What insurance policies are offered by Enterprise?
- What insurance policies are offered by Hertz?
- National Car Hire - are their Super Cover collision damage waiver excess policies a good deal?
- What insurance policies are offered by Sixt?
- Super CDW, Deductibles and Non Waiver - What do they mean?
- What insurance policies are offered by Thrifty?
- What insurance policies do Alamo offer?
- Super CDW, Deductible or Non Waiver - Terms Explained
- Does Sixt include CDW in its car hire packages?
Your Driver related Questions Answered
- Young Drivers (under 25 years old)?
- Am I too old to hire a car?
- Are other people travelling with me in my hire car covered?
- What are the age limits on Car Hire Insurance policies?
- If I want an additional driver on my hire car, will I have to pay more?
- Can I buy car hire excess insurance if I am under 21 years old?
Car Rental Keys Questions Answered
Excess Insurance Questions Specific to Countries
- Which car hire excess insurance policy is best for UK car rental?
- Which car hire excess insurance policy is best for car rental in France?
- Which car hire excess insurance policy is best for car rental in Spain?
- Which car hire excess insurance policy is best for car rental in Iceland?
- Which car hire excess insurance policy is best for car rental in Portugal?
- Which car hire excess insurance policy is best for car rental in Italy?
- Which car hire excess insurance policy is best for car rental in Ireland?