Updated October 9, 2026 · AssureCue Editorial Team
Best car hire excess insurance providers
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| # | Insurance provider | Score | Key facts | Actions |
|---|---|---|---|---|
| 1 |  EversureTop pick | 8.8/10 |
| ReviewCompareVisit |
| 2 | Reduce My Excess ReduceMyExcess sells stand alone car hire excess insurance as an alternative to rental desk excess waivers. Policies include UK and Europe single trip cover, annual worldwide cover and UK van hire cover. The service is for UK residents. | Not rated |
| ReviewCompareVisit |
| 3 | RentalCover RentalCover sells rental car insurance covering collision damage and zero deductible protection, compatible with major rental brands. | Not rated |
| ReviewCompareVisit |
| 4 | Seguro Coche de Alquiler Seguro Coche de Alquiler sells daily and annual rental car excess insurance in Spain to cover damage, theft and tyres. | Not rated |
| ReviewCompareVisit |
| 5 | Simply Excess Simply Excess sells car hire excess insurance for the UK, Europe and worldwide, with daily and annual policies. | Not rated |
| ReviewCompareVisit |
Our top picks
1. Eversure: best for EversureEversure car hire excess insurance reimburses any excess charge payable under the rental agreement, up to a maximum of 5,000 pounds, with optional collision damage waiver cover available.
- Premium from: £17.47
- Insurance types: Breakdown, Gadget
- Provider type: Broker
Pros
- Personal breakdown cover starts at £17.47, under the €23.33 category figure.
- The cover limit per period of insurance is generous for a breakdown policy, and claims above it are excluded.
- A claims line, an online claim form and a contact form sit in 24 hour claims line, online make a claim form and contact form, so a stranded driver has more than one way in.
- Support runs on chat, email and help centre, with chat alongside email and a help centre.
Cons
- Eversure is a broker, so the cover sits with an underwriter rather than with the broker.
- Personal breakdown cover is for a vehicle up to a stated age at the time of breakdown, which rules out older cars.
- The range of types is narrow at breakdown and gadget, so there is nothing to bundle beyond a gadget policy.
2. Reduce My Excess: best for Reduce My Excess
ReduceMyExcess sells stand alone car hire excess insurance as an alternative to rental desk excess waivers. Policies include UK and Europe single trip cover, annual worldwide cover and UK van hire cover. The service is for UK residents.
- Insurance types: Car-hire-excess
3. RentalCover: best for RentalCover
RentalCover sells rental car insurance covering collision damage and zero deductible protection, compatible with major rental brands.
- Insurance types: Car-hire-excess
4. Seguro Coche de Alquiler: best for Seguro Coche de Alquiler
Seguro Coche de Alquiler sells daily and annual rental car excess insurance in Spain to cover damage, theft and tyres.
- Insurance types: Car-hire-excess
5. Simply Excess: best for Simply Excess
Simply Excess sells car hire excess insurance for the UK, Europe and worldwide, with daily and annual policies.
- Insurance types: Car-hire-excess