When you hire a car, it comes insured by the car rental company. However, there's an excess to pay, which can easily be £1,000 or even £3,000 for larger or luxury brands. That's how much you'll have to pay yourself as part of any claim. Plus, the car's own insurance may not cover things like misfuelling, towing fees or replacing the car keys/locks.
That's why we offer Essential Cover, an excess reimbursement policy you can buy through us at the same time as you make your booking. For a competitive price, it covers you for all your main concerns, including the excess. Below, we explain most of what's covered and not covered, although for simplicity the lists have been abbreviated. For full details, please see the Essential Cover policy document for Europe / USA.
You'll be reimbursed for however much of your excess you have to pay for claims relating to:
Your Essential Cover won't include claims for:
Please note that even with this insurance, you may still be required to pay a deposit or bond to the car hire company when you collect the vehicle.
When you start our booking process, Essential Cover will appear as an option in the insurance section. However, for geographical or partner reasons, this cover doesn't always appear (excess cover isn't required in the USA, as one example).
You certainly can. The cover is always sufficient for the excess on any car featured on our website. And the insurance is part of a scheme provided by Riverside Underwriting, which is registered in the UK and regulated by the Financial Conduct Authority (FCA). It is underwritten by Certain Underwriters at Lloyd's.