Car Rental Excess Insurance

Portuguese Residents: Save over €260 by avoiding expensive rental company excess waivers

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Over 12 years experience in Car Rental Insurance
You don’t need the rental company's acceptance of our policy.

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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.

As a Portuguese resident, you can buy a rental excess policy for as little as €3.50 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.


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.


We have been covering Car Hire 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 2023.

Great value

We strive to offer a competitively priced product.

How the Price of Our Policy Compares*