We're the only price comparison website to be able to offer you, in advance, the option of buying the excess protection insurance policy offered by your car hire company.
This means you can buy it from us, at the time of booking, knowing the price and what's covered. Otherwise, you'd buy it when you collect the rental car, without knowing those things in advance. This gives you more choice plus the chance to save money by building this cost into your decision about which car and which car hire company to go for.
When you hire a car, it's already insured – but there's an excess. This is the maximum amount you'd have to pay yourself if the car hire suffers damage, theft or fire. In Europe, the excess is usually between £1,000 and £3,000*. You could save a lot of money by insuring that excess because it'll get reimbursed if you have to pay any or all of it. Excess insurance also covers you for other things you'd have to pay for otherwise, which might include lost keys or misfuelling (cover varies according to each individual car hire company).
Premium Cover is the policy offered by the car hire company, so they all differ. When you see ‘Premium Cover' in the insurance section of our booking process, click on the link underneath to the policy wording; this tells you what's covered, and what isn't, in each case.
You're under no obligation to buy the car hire company's own excess insurance policy: it's a matter of choice. Alternatively, you might have your own annual excess reimbursement policy. Or you could buy Stress Free Car Rental's standard policy, Essential Cover, which provides all the excess protection you need plus with other benefits.
When you search for a rental car on our website and then ‘View deal' on a particular car, Premium Cover will usually 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).
Yes, you can. The cover is always sufficient for the excess on the car you book, and it's been negotiated by the car hire company (usually with a major global insurer) to protect the company's customers.
* All our USA rental cars come with zero excess.