You can get insurance to cover the high excess on your van hire agreement in two ways:
Buy cover from the van hire company: They may offer you a policy when you hire a vehicle, although this is usually the most expensive option.
Shop around: This will help you find a policy at the best price. However, you should check that this does not break the terms of your hire agreement first.
This comparison includes insurers who can cover the excess on a van hire agreement. Use it to find the cover you need, then compare quotes online to get the cheapest price.
Pick your cover limit
You will need to pick a cover limit before you take out a policy. This is the maximum amount an insurer will pay for your van hire excess.
Rental companies usually apply an excess of up to £1,000 when you hire a van, but this may be higher if you insure more than one driver.
This means you have to pay for the first £1,000 of damage to the van while it is in your care, even if it is not your fault. For example, if you park at a supermarket and a trolley scratches the paintwork.
Excess insurance will cover this cost, as long as you choose a policy that matches the excess on your hire agreement. If the excess is higher than your cover limit, you cannot claim.
Van hire excess insurance FAQs
Can I insure the excess on a hired minibus?
Yes, you can get cover for vans and minibuses that are hired in the UK.
Can I get cover for more than one driver?
Yes, but you may have to pay a higher premium to extend cover for multiple drivers. Check the terms of the policy before you buy.
Will van hire excess insurance cover me in Europe?
Most excess insurance policies include some cover for time spent abroad. However, this is usually limited, e.g. no more than 14 consecutive days.
How old do I have to be to get cover?
Most insurers need you to be 24 before they can sell you a policy. This varies depending on your provider, so check their policy documents for details.
Do I have to pay to claim?
Most policies do not charge you to make a claim. But some make you pay a contribution, e.g. the first £200, so check your policy documents.
About our excess insurance comparison
Who do we include in this comparison?
How do we make money from our comparison?
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.