CAR HIRE EXCESS INSURANCE
Compatible with rental car companies around the world
Protection from RentalCover is compatible with rental car companies worldwide such as Enterprise, Hertz, Avis, Budget, Thrifty, Europcar and thousands more. This makes us the perfect travel companion wherever you go!
Protect your rental car with RentalCover
RentalCover is here to help customers travel in a rental car without the fear of paying thousands if things go wrong. Our policies work with car rental companies worldwide, adding to built-in protection to offer more peace of mind.
We cover items rental companies may exclude from their protection, such as windscreens, tyres, underbodies and more. Plus, our policies are up to 50% cheaper than what the rental companies offer.†
Zero Excess Cover
Nothing to pay in the event of a claim
Better Price
Up to 50% cheaper than the rental companies†
3-Day Claim Payouts
We pay 98% of claims in 3 days
What's covered
We offer policies for a wide range of vehicles hired from rental car companies. This includes cars, pick-up trucks, sports utility vehicles, 4x4s, motorhomes/RVs, campervans and minibuses.
Cover for your car hire insurance excess, so there’s nothing for you to pay in the event of a claim.
Cover for damage rental companies usually exclude, such as damage caused by harsh climate and road conditions.
Cover for flat tyres, cracked windscreens, damaged headlights, lost keys, key replacement and lockout.
Complete cover for all authorised drivers listed on the car rental agreement.
No sky-high charges added to your repair bill, including administrative fees.
Covers rental agreements lasting more than 30 days.
Cancel anytime before pick-up for a full refund.
Cover built for all types of travellers
RentalCover car hire insurance is ideal for:
Business travellers
If you travel frequently for business, our policies will help you save time and money when buying rental car insurance.
Holiday makers
Thanks to our simple cover, you can start ticking off your bucket list with less time wasted sorting out your insurance.
Long-stay travellers
We can cover your hire vehicle for up to one year, perfect for your long-term rental needs.
Travel lovers
If you’re constantly exploring at home and abroad, take advantage of a simple single policy that works in 60+ countries.
Trusted by 10+ million of customers worldwide
What makes our car hire insurance different
Here’s how our policies compare to what the rental companies offer, including their built-in cover and added-cost policies.
WHAT’S COVERED |  | RENTAL CAR COMPANIES (BUILT-IN COVER INCLUDED IN PRICE) | RENTAL CAR COMPANIES (ADD-ON COVER) |
|---|---|---|---|
Excess on damage & theft | No excess (we refund everything you pay) | Excess depending on company (out-of-pocket costs) | Zero excess (reduced to zero on standard vehicles) |
Underbody, tyres & windscreens | Yes Covered | No Not covered | No Excluded – Sold as a separate product at the counter |
Climate & weather damage | Yes Covered | No Not covered | No Excluded – Sold as a separate product at the counter |
Roadside assistance & towing | Yes Covered | No Not covered | No Excluded – Sold as a separate product at the counter |
Loss of use & admin fees | Yes Covered | No Not covered | No Not covered |
Additional drivers | Yes Covered | No Extra fees per driver at the counter | No Extra fees per driver at the counter |
Cancellable before pick-up | Yes Free | No No | No Not covered |
Claim process | Reimbursement — typically within 3 business days | Immediate waiver (no claim needed) | Immediate waiver (no claim needed) |
Find out more in our complete rental car insurance comparison breakdown.
How our car hire insurance works
We keep things simple, with easy online processes for buying and claiming insurance:
Purchase your policy online
Get a transparent quote and purchase your cover online in under 2 minutes.
Decline rental company insurance
Confidently decline insurance sold by rental companies.
Ready to save on your rental car insurance?
Get an instant quote in under 2 minutes. No commitments, cancel anytime before pickup.
Frequently asked questions
Yes, rental car insurance is worth it. We provide protection for potentially extreme rental company excess fees if your hired car is damaged or stolen. Without a rental vehicle insurance policy, you could face very high costs if an incident occurs.
Exactly what a car rental insurance policy doesn’t cover can change depending on the policy. RentalCover specifically does not cover:
- When you are ‘at-fault’ for injuries and damages.
- Damage from negligence.
- Unauthorised drivers.
- Reckless or negligent driving.
- Vehicle types such as supercars, high-end sports cars, motorcycles or quadbikes. You can see more restrictions here.
- Vehicle modifications such as child seats, bike rack attachments.
The price of car rental insurance can vary significantly depending on your vehicle, rental period and insurance provider. Your rental company may include a level of protection in the daily price of your rental.
They may also offer added-cost policies which reduce excess and have fewer exclusions. Our policies are up to 50% cheaper than equivalent cover from rental companies.† Get an online quote today and start exploring with peace of mind.
Car hire insurance offers protection if things go wrong in a rental vehicle. Your rental company may include a basic level of insurance in the daily price of your rental vehicle.
Rental companies also often offer extra-cost policies, which reduce your excess and cover items that may be excluded from built-in cover.
If you aren’t satisfied with what your rental company offers, you can also purchase insurance from a third-party provider like RentalCover. Our cover is more comprehensive than the rental companies, while also being up to 50% cheaper.† Plus, there’s nothing for you to pay in the event of a claim.
Rental car excess insurance covers the additional amount you are liable for if your hired car is damaged or stolen. Excess is the amount you must pay out of your own pocket, as it is not covered by a rental car company's insurance.
If your hired car is damaged, and your rental agreement has a $/€/£ 4,000 excess, you must pay out-of-pocket for damages up to $/€/£ 4,000 before your rental agreement cover kicks in.
However, with our rental car insurance, you are covered for the excess up to your protection limit. You will be reimbursed up to your policy’s limit.