To get the cheapest policy that offers the right cover for you, compare as many different quotes as you can.

This comparison includes insurers who can cover the cost of your excess if you need to claim on your car insurance or hire vehicle policy.

How does excess insurance work?

It reimburses the excesses you have to pay on other insurance policies when you claim.

It is often used to run alongside car hire agreements, to cover the high excesses charged by car rental companies.

You still need to pay your insurance company the excess when you make a claim, but you can then recover the cost from your excess policy.

Find the right cover

Get the cover you need by using this comparison to check:

  • Cost: If the cost of cover is more expensive than the cost of paying your excess yourself, you may not need it.

  • Claims limits: You need to pick your limit before you take out cover, so choose enough to cover your compulsory and voluntary excesses.

  • Worldwide cover options: If you drive your car abroad, or if you are looking to cover your travel insurance excess, look for a policy that covers you outside of the UK.

  • Types of policy: You have the option of a single policy, which covers one insurance excess, or a lifestyle policy, which covers several. You can get daily cover, for short term car hire; or an annual policy, which can cover several rentals.

Excess insurance FAQs

Q

Can I get excess insurance for any type of policy?

A

Yes, although cover for motor insurance or car hire is often more widely available. Here are the different types of excess insurance you can buy.

Q

Do I have to get excess insurance when I hire a car?

A

It is not compulsory, but most hire car firms will try to sell you cover. It pays to shop around, so use this comparison to find the cover you need.

Q

Will excess insurance save me money?

A

It depends on the cost of your excess. If your excess is higher than the cost of an excess insurance policy, you could save money if you need to claim.

Q

How many times can I claim on a policy?

A

Some insurers limit how many times you can claim, or put an overall cap on the amount you can claim for. Check the terms of the policy for full details.

Q

Do I have to pay an excess to claim on an excess insurance policy?

A

No, it does not cost to claim on an excess insurance policy.

About our excess insurance comparison

Q

Who do we include in this comparison?

A

We include hire excess insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.