CAR HIRE
EXCESS INSURANCE

Yes, providing your partner permanently resides at the same address as you and is eligible to be a Lead Named Driver, you can add them to your annual policy.

Family members named on your policy can also hire cars independently of each other.

We cannot provide a single trip policy with the additional CDW (Collision Damage Waiver) cover.

The CDW cover, or Worldwide+ policy, is only available as an upgrade on an annual Worldwide policy. The cover applies when you are hiring in the USA or Canada and can offer increased excess reimbursement up to $50,000 or equivalent in local currency. We are unable to provide the additional CDW cover for European rentals.

Most car hire companies in the UK and across Europe include a basic level of CDW/LDW (Loss Damage Waiver) cover as standard with an Excess, this is normally between £1000 – £3000. If they don’t, they’ll likely expect you to purchase this from them at the time of hire. It’s up to you whether you choose to do this or not, but bear in mind it may be a legal requirement in the country you’re visiting. They will also offer you an optional Excess waiver cover, which for a cost normally around £10 – £30 per day which will then give you cover for the full value of the vehicle.

If you’re visiting the US or Canada (and some other countries as well), you’ll find a lot of rental companies won’t include CDW, and will ask you if you wish to purchase this from them. The rental market in these territories is a bit different and many people choose to get their cover from 3rd party suppliers such as credit-card companies.

Eversure Car Hire Excess insurance covers you for the excess in respect of any damage to or loss of the vehicle that you’re responsible for up to the excess limit stated on your policy with us (£10,000 as at the date of this article). If you are travelling in the US or Canada, we can offer CDW cover up to US $50,000 which will cover you up to this amount, should you choose not to take out the Car Rentals company CDW.

If your rental car is damaged, lost, or stolen during the rental period, Eversure Car Hire Excess Insurance will provide reimbursement up to £10,000 of any excess charge you are obliged to pay under the terms of your car rental agreement.

When hiring a car in Europe, the vehicle will usually be insured as standard. However, this typically won’t include the first part of any claim: the excess. In this type of arrangement, in the event of damage to your vehicle, you would be liable to pay the costs up to the excess limit, and the car hire company would likely cover the rest via its own insurance.

It is this excess that we cover you for. The excess could well cost you upwards of £1,000, so it certainly warrants some careful consideration. Our policy also covers you against damage to the windscreen, tyres and undercarriage, which may not be covered by the car hire company as standard.

No, our policies cannot cover any drop off charge relating to one way rentals: i.e: the pick-up and drop-off are in different locations.

We will not cover trips to Afghanistan, Belarus, Crimea/Ukraine, Cuba, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Republic and the Democratic Republic of Congo, Russia, Sudan, Syria, Venezuela and Zimbabwe, or any country, or region in the world where the Foreign, Commonwealth & Development Office advises against all travel, or all but essential travel. A list of these countries can be found at GOV.UK foreign travel advice.

Please also refer to the general policy conditions and exclusions applying to all sections.

See also: What countries are covered by the Worldwide policy?, Which countries are covered?

Our policy can only pay out maximum excesses of £10,000 during the lifetime of the policy. If your excess is more than this, it will not be covered.

Collision Damage Waiver (‘CDW’) is usually, but not always provided by the rental company in Europe.

Without this cover, if damage to the rental vehicle exceeds the Excess, you would otherwise be responsible for the full amount. In other words, you may be responsible for the entire vehicle value.

Collision Damage Waiver (‘CDW’) may sometimes be referred to as Loss Damage Waiver (‘LDW’). Rentals in the USA, Canada, South Africa, Australia and other countries may not include CDW, check your rental agreement.

The vehicle must not be a motor home, trailer, caravan, van, truck, non-passenger carrying vehicle, vehicle that carries more than 9 people including the driver, motorcycle, moped, motorbike, off-road* or recreational vehicle.

The vehicle must not have a retail price in excess of £65,000 (or currency equivalent), and not be more than 10 years old.

* 4×4 vehicles are not excluded if they are being driven on public highways and not going off-road.

See also: Do you cover Vans/Motorhomes/Trucks?

Unfortunately not.

The Lead Driver on the rental agreement must be the Policyholder on the Eversure Car Hire Excess policy.

Yes, the policy will extend to cover additional international drivers providing they hold a valid and internationally recognised driving license and they are named as additional drivers on the rental agreement.