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FAQ Section > Car Hire Insurance Frequently Asked Questions > Do I need CDW if my Credit Card has Protection?

Are there credit cards which offer Collision Damage Waiver (CDW) or Excess Insurance?

We explain whether or not you need to take out additional insurance if your credit card has Collision Damage Waiver cover.

There are credit cards issued, particularly in the US and Canada, which include CDW. Sometimes they do not cover theft, and may also have large excesses. Cardholders have advised us that some countries (Ireland and Italy are examples) are 'excluded' from the cover provided by some cards.

We therefore suggest that if you are relying on this insurance that you read the conditions carefully.

Many of the Car Hire Insurance policies through the MoneyMaxim panel can be purchased by residents of any country - and some are priced in Euros, US Dollars as well as Pound Sterling. For more details of policies for those not living in the UK please visit Car Hire Insurance for non UK nationals.

Credit Cards with CDW and SLI insurance included

As far as we are aware there are no UK Credit Cards offering CDW or Excess Insurance - but that is not to say there isn't one out there!

Travel Insurance which includes Excess Insurance

We have details of travel insurers who incorporate car hire excess insurance into their policies on our page covering travel policies with car hire excess insurance built in. Bear in mind though that this is primarily a travel insurance therefore the vehicle excess insurance offered is not as comprehensive.

If you are aware of any other insurers or credit cards that could help please do drop us a line so we can share this with other readers.

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This content was last reviewed on 11/10/2023

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