Don't...

...buy direct from an excess insurer without checking prices on MoneyMaxim first.

We can offer many car hire excess insurance policies at discounted rates.

...forget to add additional drivers to your rental agreement otherwise they won’t be covered by any excess insurance.

If required, you may also need to add the additional drivers to the excess policy when you go through to purchase.

...feel pressured into buying additional insurance at the desk.

If you understand what insurance you have with your rental and through your excess policy, you can make better informed decisions when offered extra cover on arrival.

...forget your valid payment card for any excess or security deposit required by the rental company.

You will still need your physical card at the pick-up desk as car hire excess insurance works on a reimbursement basis.

...forget to buy your policy before you leave the UK for the widest choice.

Some insurance companies will not allow you to purchase once you are out of the country.

...forget to get a copy of any damage reports or other required paperwork so you can submit a valid claim.

Not having the correct evidence is the main reason for delays in resolving claims.

Do...

...buy car hire excess insurance before you collect your rental vehicle.

Policies will not be valid if purchased after you have picked up your car.

...buy the excess insurance in the name of the lead driver.

The name on the excess policy should be the same as the person signing for the car

...find out what insurance you have included with your rental already.

This is the best way to ensure you get the cover you need.

...consider an annual policy if you are renting for more than a couple of weeks in total during the year.

If you are renting for over 16 or 17 days then an annual policy can work out cheaper.

...take a copy of your excess insurance policy (an electronic version is fine) with you so you have your policy number and know how to claim should you have an accident.

By having the information to hand you can get your claim started and ask the right questions before you leave the car hire desk.

...compare prices using the MoneyMaxim service.

By entering your details on our form, you can compare all car hire excess insurance policies on our panel that will fit with your requirements.