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Sally Wilson

Sally is a key member of the MoneyMaxim editorial team. She is a frequent hire-car user and often goes on holiday with her family. With an interest in getting great value for money, Sally shares her hints and tips for travelling and insurance.

Car Hire Excess Insurance – What are your options if you are an older or a younger driver?

Is age a factor when it comes to choosing your car hire excess insurance?

car wheel and tyre

If you are over 21 years of age and under 85, then there is a range of policies available through the MoneyMaxim Car Hire Excess Insurance comparison service which will cover your age group. Car hire excess insurance gives you the confidence that, should you be charged the excess on your car hire after an incident, you can claim your money back. The policies available through MoneyMaxim cover your excess but so much more too.

Policies via our service start at around £2 per day but pricing with some of the insurers does vary depending on your age. This is one of the reasons why our comparison service works so well. By filling out just a few details you can see which policies are available to you, at what price and most importantly what they cover. This enables you to make a much more informed choice.

Younger than 21? There is an annual travel insurance policy through InsureMore which gives you the option to add in car rental excess insurance. It is not as comprehensive as the policies available through MoneyMaxim but it would provide reimbursement for that all important excess. You may be able to combine this with a product bought at the desk to give wider cover if required. Additional drivers would not be covered for rental car excess insurance unless they are on the travel policy.

If you are aged 85 or over, we unfortunately cannot currently offer you an excess insurance policy – although we are working hard to rectify this! There are, however, possible alternatives open to you. You can, of course, choose to take out additional insurance with the car hire company. Many offer packages which can reduce or remove the excess. Through our sister site Clarify Car Hire it is easy to compare the packages offered by a car rental company at your chosen destination. We can also offer discounted rates on some excess insurance products offered by car hire companies through Clarify Car Hire.

If you are a senior driver or a younger driver, you may be required to take out the car hire firm’s own insurance as a condition of the hire. In this case you are likely to find you do not have an excess. You may still be liable for wheels, tyres and glass though so do always check what is included and what isn’t when you book your rental vehicle.

If you are under 25 but over 21, you can easily purchase a rental car excess insurance policy through MoneyMaxim but most car hire companies will charge you – and any additional drivers under the age of 25 - a young driver fee. Senior driver fees – often for those over 75 years of age - may also be charged where applicable. With Clarify Car Hire all the charges related to your car rental – including young driver or senior driver fees - are shown clearly in a price breakdown.

If you are renting a car and need more assistance with your car hire insurance choices then our friendly customer service team are on hand to help. Either give us a call or use our online chat facility.

Image courtesy of: Pixabay