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If you hire a car within Europe, including Portugal, you would normally expect to find the main insurances of Collision Damage Waiver, Theft Protection and Third Party included within your car hire package. These are the insurances you need to be able to drive the car away but they do often come with a high excess which you would be responsible for. There are also often exclusions to any Collision Damage Waiver offered with a hire.
You could consider topping up your car hire insurance in Portugal with a European car hire excess insurance policy. With a separate additional excess insurance policy for a car hire in Portugal, you can be reimbursed should you have to pay out for any excess or incur damage to parts of the car which may not be covered by the insurance that comes with your hire car.
So how do you go about finding the best car hire excess insurance in Portugal? And which particular features might you want to consider including?
Run a quotation through the MoneyMaxim car hire excess insurance comparison service and you can easily compare different features from the leading excess insurers here in the UK.
We lead you through the process so you can understand how to find the best rental car insurance for your car hire in Portugal.
It is really important to establish what insurance is included with your car hire in Portugal. The excess reimbursement policies work on the basis that you have the main insurances mentioned above in place and, if you don't, then contact the MoneyMaxim customer service team who will be able to assist you.
The car hire excess policies through MoneyMaxim, subject to terms and conditions, will reimburse you for the excess on your Collision Damage Waiver (CDW) or Theft cover, and also reimburse you for the cost of damage to the wheels, tyres, roof, underbody and glass elements of the car which are parts that are often excluded from your CDW.
There are just a few simple questions to answer to run a quote with MoneyMaxim. It is important to note that the policy must be taken out in the name of the lead driver (the person responsible for the car) and purchased before you have actually picked up the vehicle.
Choose a European policy if you are only hiring in Portugal. European cover is suitable not just for mainland Portugal, but also the islands of Madeira and the Azores.
If you are considering an annual policy because you are hiring another car during the year then consider whether you will need a worldwide policy. Strange as it may seem, not all insurers have the same definition of Europe so, if you are unsure as to whether the country you are hiring from is in Europe or not, then, using the 'A specific country' option, select from the drop down list and the results will be filtered appropriately for you.
You will need to have permission from your car hire company to drive your car into another country, however, any excess insurance policy for Portugal would also cover nearby countries such as France, Gibraltar or Spain.
Andorra is an exception as not all policies cover car hires there - so it's best to use the Specific Country filter for guidance if your travel plans include this country.
Do you require annual or short term cover? If your car rentals for the year exceed 17 days in total then an annual policy may be more economical. An annual policy allows you to hire as many cars as you want during one year as long as one single car hire does not exceed the trip length limit stated on the policy. The short term policies are priced using a daily rate.
You will need to enter your correct residence as not all policies are available to customers worldwide. Where you live may affect the policies that are open to you for where you are hiring. The definition of residency is decided by the individual excess insurance companies so, if you are not sure where you would be considered resident, then take a look at their terms and conditions.
The reason for this question is that some policies are not available to those hiring in their own country. If you say 'yes' to this question - for example if you are Portuguese or an Ex-Pat living there and hiring in Portugal - then any insurers who do not allow home rentals will be filtered out.
By clicking 'Get Results' a table of results will be generated. At this point you can compare the levels of cover offered by each provider. Additional information is shown in a drop down list when you hover or click on each line. Each individual's requirements are different from the next so it is important you consider each policy and what it offers to discover which car hire excess policy is best for your trip to Portugal.
If you are hiring a different type of vehicle such as a car with over 9 seats, a van or a motorhome then alternative policies are available through MoneyMaxim in addition to those for a standard car. Please choose the relevant option from the vehicle type question when running a quote.
Breakdown Cover - This feature is not the same as cover with the AA or RAC. It is the responsibility of the car hire company to make sure you drive away with a mechanically sound vehicle. If something were to go wrong then they should be your first point of contact. Do not attempt to make repairs to the car without their permission. Some breakdowns, such as a puncture, are considered negligence and you would be held responsible. In this case a tyre would be reimbursed using an excess policy. Towing is also offered by all the excess insurers but the level of cover varies so compare these if it is a concern for you.
Personal Effects / Baggage Cover - You will find a good travel insurance policy will often offer much better coverage for your personal items than those through a car hire excess policy. Also bear in mind that there are conditions which apply to baggage cover under excess policies which could limit their benefit to you.
Courtesy Car Cover - If you take a courtesy car while yours in the garage for repairs then this feature could appeal to you. Tick the box at the top of the table to find policies which include courtesy cars. There needs to be a signed formal agreement between the garage and yourself which documents your liability.
Car Club members - Car clubs are a facility where as a member you can borrow cars for short periods, picking up and returning the vehicles to allocated spaces usually within the larger cities. There are policies to cover car club excess insurance available through MoneyMaxim. Many of the policies will only cover car clubs in the UK so compare those available if you require wider cover.
Multiple lead driver policies - The excess insurance policies through MoneyMaxim will all cover at least one additional driver on a car hire free of charge. However, if you require a policy which will allow more than one lead driver - perhaps you are a married couple who will each be renting separately during the year - tick the box to 'Show policies allowing more than one driver to rent cars independently of each other'. Please note that conditions do apply and cover varies. More information can be found on our Multiple lead driver page. These are only available through annual policies.
Any more questions? - Please call the MoneyMaxim team who will be delighted to assist you in your search to find additional car hire insurance for Portugal - we have been helping our customers find car hire excess insurance for more than 10 years now and will be very happy to help you too.
This content was last reviewed on 14/11/2023