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Why allow your customers to pay sky high prices for inferior Car Hire Insurance products at the Car Rental Desk when you can get ours?

Car Club Excess Insurance Here


You can take out daily cover and great value annual policies so you will never need to pay for expensive cover at the car hire rental desk again

The 'Excess' policies will protect customers from the high excess charges customers risk when they hire a car as well as the many exclusions included in most other excess insurance policies including damage to the windscreen, tyres, undercarriage and roof.


  • Covers damage to all areas including the roof, tyres, windows and undercarriage
  • Annual policies include 60 day continuous cover as standard
  • Includes cover while hiring cars in the UK with no distance restrictions from main residence
  • Use it with all car rental agreements worldwide
  • Also cover is available for Car Club Members

Our products are not only better value than those available at most car hire rental desks, but offer even more security, with cover for Road Rage, Carjacking, Travel Expenses, Hotel Expenses, 60 days continuous cover, and Lock-out Charges included as standard. also offers a selection of add-ons that provide extra protection should the customer require it, including Personal Accident, Personal Effects Cover, Vehicle Rental Cancellation Insurance, Additional Policyholder and Vehicle Key Replacement. also offers its UK Resident annual policyholders the option to buy excess cover for car club use.

Prices are also exceptionally competitive

Many people find car hire insurance both confusing and limited. They end up spending a fortune at car rental desks, or find themselves with a huge excess bill at the end of the holiday after a small chip to their windscreen. In fact, with many policies not covering the most vulnerable parts of the car, you could easily get hit with both! protects car rental drivers, safe in the knowledge that they will not be able to get a better deal elsewhere. They comprehensive suite of Car Hire Insurance products just in time for the peak travel season!

Excess Insurance @ iCarhireinsurance HERE

Jargon Buster @ iCarhireinsurance HERE

Hot Tips for iCarhireinsurance HERE

Why Buy From iCarhireinsurance? HERE

What is Car Rental Insurance? HERE is a trading name of Halo Insurance Services Limited, a company registered in England and Wales, Company No. 06929208. Halo Insurance Services Limited is authorised and regulated by the Financial Services Authority, Register No. 504629 car hire excess insurance products can be purchased by residents in Ireland and many other countries.

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Founded in 2009, is a groundbreaking new online insurance service that individuals and companies that hire vehicles in the UK or abroad cannot afford to be without.

We offer a range of policies that are fully comprehensive, simple to understand, unbeatable value and accepted at all car rental locations worldwide. The excess payments on most hire car insurance policies are often over £500 and can be as high as £1500. The costs involved with insuring a car against these excess car rental payments are expensive, at least £9 a day from most companies and often don’t cover the parts that are most likely to get damaged like the windows, tyres and roof. is an innovative company that gives customers peace of mind and can save them money by protecting customers from these excess insurance payments. It does cover parts like windows, tyres and the roof, and is at a very affordable price from £2.99 a day and £39.99 a year. Our ‘Excess Europe’ and ‘Excess Worldwide’ policies are great value, simple and easy to use, and designed to fit the specific needs to each customer, whether they want daily single-trip or annual multi-trip deals.

Customers visiting the USA can also save money as the whole insurance cover can be bought separately from the rental agreement and the cover is accepted at all car rental locations worldwide. By taking our ‘USA & Canada’ Policy (Collision/Loss Damage Waiver (CDW/LDW) and Supplemental Liability Insurance (SLI)) before travelling, customers can save on the expensive cover offered at the Car Rental Desk. also offers a selection of add-ons that provide extra protection should the customer require it, including Vehicle Key Replacement, Personal Accident, Personal Effects & Baggage, Vehicle Rental Cancellation Insurance, Additional Policyholder and Car Club Excess Protection.

Our chosen underwriter is Service Insurance Company Limited (SICL). Its registered office is at 260-262 Main Street, Gibraltar. SICL is licensed by the Chief Executive of the Gibraltar Financial Services Commission under the Insurance Companies Act to carry on insurance business. It is registered in Gibraltar No. 93541. It is also regulated by FSA for the conduct of United Kingdom (UK) business under Register No. 422279.

Looking for van hire excess insurance from iCarhireinsurance? Click on logo below

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Car Club Excess Insurance


Save ££ on Car Club Insurance!

If you're a member of a car club such as Zipcar, Streetcar or City Car Club then our Car Club Excess insurance is a "must have". It completely removes your excess liability, providing peace of mind for less.

Our Annual Car Club Excess Insurance replaces the excess insurance that is available from your car club. It is usually considerably cheaper and also provides more comprehensive cover and additional peace of mind. In addition, unlike many of the insurance policies offered by car clubs themselves, our excess insurance removes your excess all together instead of just reducing it to a lower amount. The policy can be bought on its own or you can combine it with an annual car hire excess policy for even more savings.

It is available for European residents across Europe


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Tip 1 - Think Ahead: If you think that you might hire a car more than once per year then buy an annual excess insurance policy. It will probably save you money and is more convenient as you are covered whenever you travel.

Tip 2 - Go Annual: If you hire a car for around 14 days in Europe or Worldwide, the price difference between the daily and annual excess insurance policies is marginal, so always go for the annual and get the extra cover.

Tip 3 - All in One: If you are hiring a car in the USA or Canada then buy the daily CDW/SLI policy unless your car rental is longer than 3 weeks, or you plan to make multiple trips. Consider the Worldwide Plus policy for multi-region cover all year.

Tip 4 - Local Rentals: Don’t forget that our European and Worldwide hire car excess policies include UK cover, so if you’re looking for excess insurance for hire cars in the UK, you’re fully protected with our policies at home and abroad.

Tip 5 - Upgrades: We offer the widest carhire excess insurance cover on the market, but we also offer upgrades such as Vehicle Key Replacement and Personal Accident Insurance which can be useful and cost effective.

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What is Excess? - Quite simply, if you hire a car and it gets damaged or stolen, the 'Excess' is the amount of money that you have to pay in the event of an insurance claim. Other terms for 'excess' include: super collision damage waiver (Super CDW), deductible and Non Waiver.

What is Excess Insurance? - Excess insurance is an additional policy, which protects you from the 'excess' costs you would otherwise have to pay if your hire car gets damaged or stolen.

Here's an example: Let's say your hire car is involved in a collision and it costs £2,000 to repair the damage. Under the terms of your car rental agreement, you have to pay an 'excess' of £500 to the car rental company, and the insurance company pays the rest of the repair costs (£1,500). If, however, you have - 'excess insurance' - you won't have to pay the £500 or even a penny towards the repair costs.

But why would I have to pay an 'excess' if insurance is included in the price of my car hire? - Well it might seem strange, but the insurance that comes as standard when you hire a car, doesn't give you the full protection you might need. It only reduces the amount you must pay if your hire car gets damaged or stolen, and some parts of the car are not covered by the insurance at all.

The amount of excess you are liable for depends on the details of the insurance policy that comes with your car hire, and this varies between the car rental companies - and different countries. Typically, excess charges are between £500 and £1,500. In most cases, you would need to buy 'extra' insurance to cover other vulnerable parts of the car and to protect you against excess charges.

How can I buy excess insurance? - Many car rental companies will offer you 'excess insurance' at the counter when you pick up your hire car, but this can cost you anything between £5 and £15 per day - on top of the price of your car hire. What's more, the excess insurance from your car hire company generally excludes cover for parts of the car that are most prone to damage, e.g. the roof, windows, tyres and undercarriage. But remember, you don't have to fall into the trap of buying expensive excess insurance from the car rental company counter or from your car club. You can buy the extra cover you need online for a much cheaper price - before you collect your car.

Excess insurance from iCarhire - With you can pay as little as £2.99 a day for excess insurance and you won't be liable for any excess charges in the event of damage or theft of the hire car. And, as an extra bonus, our excess policies include cover for the roof, windows, tyres and undercarriage. Our excess policies cover European and Worldwide car hire. We also offer annual carhire insurance policies, which are even better value if you hire cars frequently, e.g. from a car club. iCarhire Excess Insurance policies are accepted at all car rental locations worldwide.

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CDW - Collision Damage Waiver: Collision damage waiver (also referred to as Super CDW) is an optional service that relieves the customer of responsibility for any damage to the vehicle. If declined, the customer will be responsible for any costs incurred.

LDW - Loss Damage Waiver: Renters may purchase loss damage waiver (LDW) that relieves them of all financial responsibility for loss or damage to the rental car as long as they comply with the terms of the rental agreement.

PAI - Personal accident insurance: Personal Accident Insurance covers the renter and passengers if they have an accident during the rental as a driver or passenger. It covers accidental death, some medical expenses and assistance and rescue

PEP/PEC - Personal effects protection / coverage: Personal Effects Protection insures the personal belongings of the renter and the immediate family members who are travelling with the renter

SLI/EP - Supplementary liability insurance / extended protection: The Supplemental Liability Insurance option covers the renter's liability to third parties, resulting from an automobile accident in a rental vehicle to a specified maximum value for each occurrence.

TP - Theft protection: If the rental car is stolen, this will cover the cost of replacing it (or parts of it). Normally, however, the renter will have to pay an excess towards these costs

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We are clear, competitive, and comprehensive!

The evolution is here! We are taking the hassle out of car hire insurance. Why settle for sky-high prices at the car rental desk when you can buy our products for less? Why leave yourself exposed? Take out a policy that really answers your needs.

Whether you are travelling to Orlando in the USA, Malaga in Spain or Brisbane in Australia, renting a car has become an affordable and convenient mode of transport. In comparison, car rental insurance, otherwise known as excess insurance or car insurance excess, has remained expensive and confusing and many people are not aware of the need to cover themselves in case of any damage to the rental car.

Until now! offers car hire excess insurance directly to consumers, thereby offering the best coverage at the best rates. iCarhire Customers save over 65% over the same cover when purchased at the car rental counter.

So whether you are travelling to the USA or Spain, or if you're renting a car in the UK, it pays to know your car hire insurance options. Buy at with confidence.

Booking Car Hire in-country

Unlike other products out there, iCarhire's car rental excess products include "Local Rentals", with no distance restrictions from your main residence. So if it involves a short weekend trip to the country or a domestic business trip, you are covered! So, if you're booking from the UK, we'll automatically include UK carhire excess insurance "as part of your policy".

If you belong to membership type car clubs for quick getaways, read about our Car Club Excess Protection upgrade. You will save a bundle!

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CDW, SCDW, SLI, ALI, PAI, PEC, Excess Damage Fee...

Have you ever come across some of these terms? Do you know what they mean? When renting a car locally or abroad, the truth is that not all car rental companies offer you the same protection. It all depends where you travel to, which car rental company you use and what rental car you drive.

If you are driving abroad in Europe

For example, when you hire a car in EUROPE, most car rental companies provide you with comprehensive insurance, which include Third Party Liability Insurance, cover against damage to the hire car, as well as theft protection. This means you are fully protected against any cost that you would incur in case of an accident or theft.

However, most car rental companies also include a high excess, or deductible, on their car hire agreements. This gives them the opportunity to sell you all sorts of insurances at the car rental desk, especially car hire excess insurance. This is also known as Damage Waiver, or Super-CDW. See Jargon Buster @ iCarhireinsurance HERE

In case of an accident, if you happen to damage the rental car or if it was stolen, and you happen to be without car hire excess insurance, often unknowingly, you will be liable for that first portion of a loss or damage which is up to a specified amount on your car rental agreement.

If you are heading to the USA and/or Canada

When travelling to the USA and Canada, you are also responsible for buying your own Collision Damage Waiver / Loss Damage Waiver (CDW / LDW) and Supplemental Liability Insurance, otherwise known as SLI. In the majority of cases, it tops up your Third Party Liability cover up to USD $1 Million up from the US State minimum requirement (anywhere between $10,000 and $50,000) which is offered as standard in car rental agreements.

In a nutshell, Car Rental Insurance is a minefield. Why feel pressured to pay for insurance when you hire a car? Safeguard your trip and get peace of mind.

Back to top has launched on the 20th June 2012 the "Hire Car Hit List", these are the 6 top tips to follow if you want to make sure you get the right car hire, at the right price. From research we conducted in early June 2012, we identified 6 key areas where hire car customers may end up paying significantly over the odds, or where they could make significant savings. So when booking your hire car, follow our "Car Hire Hit List" and remember; for the best savings "Buy Before You Fly"

The Car Hire Hit List

1.Get the right sized hire car for you - Being unable to fit in that pushchair or extra bag costs on average £120 in upgrades and admin fees. For larger family vehicles upgrades can be as much as £500. We've built a free application to check the cars you're looking at are up to the job (click to use the free Car Hire Widget now) - Saving approx £120.

2.Book early, shop around and buy in advance - Book early as a recent survey found that the price of a hire car for a holiday in August was £150 less if booked in March than if it was left until May and make sure you pay in advance. Use a price comparison site to shop around, check the suppliers own website for their buy online price and then think about calling them to see if they can offer a better price. Sometimes the call centre has access to the best prices - Saving approx £150

3.Shop around for car hire excess insurance - the hire car companies charge up to £20 a day depending on size and value of car to protect you from having to pay the first part of any claim if the car is damaged or stolen, which can be up to £2000 and often their waivers leave customers exposed for damage to things like tyres, windscreen or undercarriage. Buy a standalone policy from £2.99 or £39.99 per year - Savings approx £120.00 on a week's holiday. If you travel more than once a year, an annual policy could save even more.

4.Sharing the driving increases the costs - Adding a named driver to your rental agreement could cost up to £10 per day and if the driver is under 25 this could be as much as £25 per day. If one of you is going to do 90% of the driving do you really want to add 50% to the bill? - Saving approx £175

5.Do you need a SatNav? - It can cost up to £100 to hire one for a week, and often this cost is not disclosed to you when you book. If you have a detachable SatNav at home, it is normally cheaper to upgrade to European mapping and take it with you, or consider getting a SatNav app for your smart phone - Savings approx £100 if you take one with you, or £30 if you buy one for £69.99. For example, in 10 minutes online, we found a number of full European mapped satnavs for under £100 from leading retailers including Amazon, Halfords, and PC World.

6.Hiring a car seat for your child can cost up to £75 for the week and recent research carried out for iCarhireinsurance by YouGov found that many parents are concerned about the state of the car seats provided by the rental companies. If your little one is under three, why not take yours with you, as you will only have to pay the excess baggage fee. For those with kids over 4 why not purchase an inflatable child seat for only £29.99. (See to purchase) Saving approx £75.

Also: 1.Make your smart phone work for you. Around 1 in 10 people we surveyed* had been charged restrospectively for damage that they didn't think that they had caused, or had identified damage to the rental vehical on collection that had not been pointed out to them or noted on their collection paperwork. Many modern phones have GPS and date stamping functions on their cameras. Read our Blog "Smart car rental customers use smart phones" for tips on how to make this technology work for you when you collect and drop off your vehicle

2.Read the fuelling small print. This is an increasingly popular small print item. Often, car hire companies will have a fuelling policy that means you either pay for a full tank when you collect your car, or you agree to return it with a full tank. Read our Blog on the "Car Hire Fuel Rip Off

a) Paying for fuel in advance - most cars will do 600 miles on a full tank these days, if you're only going to be covering less distance than this, why pay for a full tank of fuel

b) Returning it with a full tank - make sure you do, otherwise you could pay 20% more for the fuel, plus an admin fee.

c) Be Resilient! - When you get to the rental desk, you'll have already booked your car and been given a price, many people will have already paid for it in advance, however, you're going to be sold extra products whether its excess insurance, sat navs, upgrades to different cars, winterisation fees, fuelling. Research by Which found that these could treble the cost of a short rental. Be sure what you want, be sure what you already have and don't be pressurised into buying something you don't need. The Guardian recently exposed the hard sell tactics used to push excess waivers. Click here for links to the article

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See also:

Skiers Could Pay £400 for Car Hire, Then Another £400 When They Pick the Car Up - December 2013

More Car Hire Excess Insurance Confusion - October 2013

Hire Cars Costing Around 100% More Again With Extras at the Car Rental Desk - October 2013

Unrecorded Damage Found by One in Three Who Have Hired a Car for Business - September 2013

Dutch and Spanish car hire excess insurance sites launched - August 2013

Car Rental companies are charging on average almost five times more than online insurance providers - July 2013

Van hire customers are warned that they risk up to £1000 if the vehicle is damaged - April 2013

icarhireinsurance points out possible extra car hire charges over Easter 2013 - "Car Hire Hot Spots Over Easter" - March 2013

iCarhireinsurance mentioned in Daily Telegraph Car hire on a Skiing Holiday feature today - January 2013

Do you know that Extras at the Car Rental Desk Can Double Cost of Car Hire for Families - October 2012

Did you know that you can buy carhire excess insurance for a week for the equivalent of one week's pension? - October 2012

Car Hire Excess Costs Consfuses Consumers - June 2012

Jubilee 'DIY' weekend could be a costly exercise for some if they hire a van - May 2012

Your car hire bill could rise by 75% as a result of a hidden cost - March 2012

Save money on car hire excess insurance and take a winter break - January 2012

iCarhireinsurance comes up with New Year Tips to stop car renters being ripped off - January 2012

Don't Lose Your Christmas Cheer with the Hire Car says - December 2011

Dubious Dublin airport car rental staff - November 2011 in finalists for Startup Awards 2011 - November 2011

Confusion over US Car Hire Insurance Could Cost Winter Sun Seekers Dear - October 2011

Hiring a van to transport student's stuff to Uni? - September 2011

UK Holidaymakers Find Foreign Drivers Very Aggressive - August 2011

Car hire insurance featured on BBC Radio 4 You and Yours - July 2011

Car Hire Drivers in a Spin About Car Hire Insurance - iCarhireinsurance - June 2011

"Which?" launch super complaint against “rip-off credit card charges” - April 2011

Satnavs are worthwhile Blog - April 2011

Van hire insurance company research reveals that drivers lack experience driving rental vans - April 2011

Affordable Car Hire teams up with Halo Insurance - March 2011

Halo Insurance partners with Chubb in Germany - February 2011 appoints Ben Wooltorton as Sales and Marketing Director - January 2011

Van hire excess insurance for only £7.99 a day available from iCarhireinsurance - December 2010 van hire excess insurance now being promoted at December 2010 Press Release

Car Hire drivers warned to check their insurance this Christmas - iCarhireinsurance - December 2010 is featured insurance provider - December 2010

Top Tips for Car Hire This Summer - - July 2010

Over £800M Wasted on Over-Priced Hire Car Insurance Policies iCarhireinsurance Press Release June 10

Hire Car Drivers Urged to Take Out Insurance With Cancellation Cover - May 2010 awarded membership of the BVRLA

Check online car hire alternatives - May 2010 been awarded membership of ABTA Trade Industry Partner Scheme - May 2010 in The Guardian and Independent on Sunday - March 2010 being marketed on the website Press Release - March 2010

Bridges Ventures and Magenta Partners launch Halo Insurance Services - March 2010

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