Car Rental Excess Insurance from €2.74/day

Save over €280 by avoiding expensive rental company excess waivers*

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Trusted by 250,000 customers!
Our company has over 12 years experience in Car Rental Insurance
You don’t need the rental company's acceptance of our policy.

Independent service rating

Haven't needed to use them on our recent trip but it was good to know we had the excess covered at a very reasonable price.

Good price and good customer service, the admin fee is a bit steep when I asked to extend it, but overall not bad. I’d definitely use again.

It was very easy and straightforward to put cover in place for the duration of my rental.

While I thought the price and cover were good I was a little shocked and surprised to see that a company in the UK was specifically mentioned (greenmotion) and excluded in relation to cover for their rental cars. This was a bit surprising and also a bit disappointing as they had previously been very competitive in relation to car rental prices.

Great value and competitive prices. A breeze to purchase.

What is Car Rental Excess Insurance?

It is very important to understand what you are liable for. Normally, you are covered for 3rd party liability and CDW (Collision Damage Waiver, which means if the vehicle is damaged, the cost of the vehicle is “Waived” apart from an excess). This means you are only liable for the excess on the vehicle which is typically €1500. To avoid paying this, the car hire company will offer you an “Excess Waiver” which can cost around €25 a day.

Buy a rental excess policy for as little as €2.74 a day. If you need to claim, you pay the car rental company’s deductible or excess and then claim it back through us, saving you money in the process.

Your Policy Benefits

Excess reimbursment

We will reimburse you the excess charged by the vehicle rental company.

Flexible

We offer a range of short term and annual covers.

Excellent coverage

Our policies also cover lost keys, tyres, and windscreen damage.

Personal Possessions cover

Our policies also includes cover for your personal possessions.

Loss of use

Covers for the loss of use of the rental vehicle, whilst being repaired due to damage.

Gold cover

Gold cover also includes rentals in your home country, damage to the interior of the vehicle, personal accident cover and more.

How does excess insurance work?

Why Choose Cover4Rentals?

Get insured instantly

On average you can get covered in under 3 minutes and we’ll email your documents within seconds of you completing your purchase.

Expertise

We have been covering Car Rental Excess Insurance for over 12 years and our customers rate us highly which is why we have been awarded with a Gold Trusted Service Award for 2025.

Great value

We strive to offer a competitively priced product.

How the Price of Our Policy Compares*

* The average saving is based on a 40 year old Irish resident renting a compact group c car from Madrid airport for 14 days commencing 25th May 2024. Prices were obtained from six leading rental companies own websites on 23rd February 2024 for the cost to reduce the damage excess to zero. The saving is based on the cost of a 14 day single trip silver cover policy for the same period. This is a representative saving only, actual prices and savings may vary.