Car & Van Hire Excess Insurance

Car & Van Hire Excess Insurance Cover the excess on your next vehicle rental

Hiring a car, van or minibus? Make sure you can claim back the high excess charges if you damage it.

 

 

Key features

Excess reimbursement

You're covered for the excess as shown on your rental agreement, including loss or damage to tyres, roof, windscreen and other auto glass and under body of the vehicle, plus fire, theft, vandalism, towing costs and loss of use.

Towing cost claim amounts are limited to £500 for each rental agreement.

Three cover levels for your car

Our UK and European and Worldwide cover levels are available as daily or annual policies, and we now also offer a UK Only policy, ideal for car-club members and short domestic rentals.

UK Only cover is a daily-only policy subject to a maximum policy length of 20 days per rental agreement. For car hire policies, drivers must be aged between 21 and 84 years of age.

Van and minibus cover

You can now purchase excess reimbursement cover for vans up to 7.5T and minibuses up to 15 seats (not for commercial use) for up to 14 days in any one period in the UK and/or Europe.

Van and minibus cover is a daily-only policy subject to a maximum of 14 days per agreement. Rentals must originate in the UK. For van and minibus hire policies, drivers must be aged between 24 and 74 years of age and this cover is subject to a £100 excess.

Extra benefits for Europe/Worldwide

European and Worldwide policies also include cover for personal accidents, lost baggage and keys, curtailment, locked-out cover, car-jacking, road-rage and even misfuelling.

Baggage cover on European and Worldwide policies is subject to a £50 excess.

Upgrade your cover

For annual policies you can extend the length of each rental period and you can also add extra drivers in different vehicles. For Worldwide policies you can include Collision Damage Waiver cover up to £50,000. For all policies you can extend cover to include battery failure.

Additional premiums apply. Extra drivers must be named on the rental agreement.

Before you buy

Compare our Car Hire Cover Levels

Cover Level

-

UK Only£2.19 daily

UK & Europe£2.99 daily, £39.99 annually

Worldwide£3.99 daily, £49.99 annually

"Claim went through quickly without any issues. Customer service is great, documentation is clearly explained and easy to upload."
Eleanor
"I've needed to make one claim and it was dealt with expediently. I would definitely recommend the company and the policy for anyone who rents cars regularly."
Tony

How to claim

  1. Please note: This is a ‘pay and reclaim’ policy. If you damage the vehicle, your rental company will deduct the excess amount from your credit card and provide you with a loss damage report. You should retain this report and use it to claim back the excess amount deducted by the rental company. If you purchase the additional “Collision Damage Waiver” extra and need to make a claim under this aspect of the policy, the ‘pay and reclaim’ clause does not apply. Please contact our claims team before you settle any charges that arise.

  2. On your return from your trip, contact our claims assistance team Orchard Administration Ltd.

     

    Online: https://claim.orchard-administration.co.uk

    Email: assistance@orchard-administration.co.uk

    Tel (inside UK): 0333 321 6205 (local call rates apply)

    Tel (outside UK): +44 1634 382 574

     

    You will need your certificate number starting C100 and the Claim Scheme ID which you will find on your certificate of insurance.

     

    Lines are open 9:00 am to 5:00 pm Mon–Fri UK time (excluding UK Bank Holidays).

     

  3. To allow your claim to be processed, you will likely need supporting documentation.

Frequently asked questions

Q
Do I need additional Excess Waivers from my vehicle hire excess company?
Tap to read answer
A

No – once you purchase your policy from us, you don’t need to buy any additional Excess Waivers from your vehicle hire company.

Q
Can I include more drivers on this policy?
Tap to read answer
A

You can have up to five additional drivers on this policy with one Lead Driver. Only the Lead Driver can hire a vehicle, however additional drivers are able to drive freely in the same vehicle if they are named on the rental agreement and the certificate. If you require a second lead driver in a separate vehicle, you must purchase the Dual Lead Driver optional extra, which is only available for car hire policies.

Q
Why do I need Car or Van Hire Excess Insurance?
Tap to read answer
A

When you hire a Vehicle, your rental agreement will usually cover collision damage waiver (CDW), theft and third-party liability. But, like all insurance policies, should anything happen to the vehicle during your rental agreement, you will be required to pay a portion of the costs to the vehicle rental company (the excess). This can be over £1,500 with some Vehicle rental companies. Our insurance is designed to cover this excess payment, as well as other items such as damage to tyres, windscreens and the under body of the vehicle, which are often the financial responsibility of the hirer and can be expensive.

Learn more about Car & Van Hire Excess Insurance

Cover yourself on the road

When you hire a car, van or minibus, your rental agreement will normally cover CDW (collision damage waiver), theft and third party liability. But, like all insurance policies, should anything happen to the vehicle during your rental agreement you will be required to pay a portion of the costs to the car rental company (the excess). This can be over £1,500 with some rental companies.

Our Car & Van Hire Excess insurance is designed to cover this excess payment, reimbursing you for the payment you are required to give the rental company in case of any damages.

 

 

In addition, our policy also covers other items such as damage to tyres, windscreens and the under-body of the car, which are often the financial responsibility of the hirer and can be expensive. 

Why choose Protect Your Bubble Car & Van Hire Excess Insurance

There are a number of reasons why travellers continue to choose Protect Your Bubble as their car hire excess cover of choice. Our policies are written in plain English, not translated from the local language. We offer a much wider cover than most car rental companies to ensure your peace

 

 

of mind. Our European and Worldwide coverage includes lost keys, lock-outs, personal accident, baggage, trip curtailment, enforced drop-off charges, car-jacking and road-rage. Most importantly, Protect Your Bubble’s Car & Van Hire Excess Insurance could provide significant cost savings against the charges made by car rental companies.

Ready to get Car & Van Hire Excess Insurance?

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