iCarHireInsurance review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

iCarHireInsurance suits anyone renting a car abroad who wants a single excess product and a broker that answers the phone. Premiums start at £3.49, and the Financial Conduct Authority licence in GB gives the money a regulator to complain to. Not for spreading payments.

Key facts

Best for
Travellers and drivers covering car hire excess abroad who prefer to pay in full.
Premium from
£3.49 (Source, checked September 26, 2026)
Insurance types
Auto, Van (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
No (Source, checked September 26, 2026)
Cover limit
Excess Europe: up to GBP 7,500 sum insured (single incident) (Source, checked September 26, 2026)
Claims channels
Online claims portal (Source, checked September 26, 2026)
Age range
18-85 (Source, checked September 26, 2026)
Legal entity
Cover-More Insurance Services Ltd. (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
icarhireinsurance.com

Apps and profiles

Elsewhere
TrustpilotXfacebook.com

Pros and cons

Pros

  • Premium from £3.49 is below the site median of €8.37 and the car insurance median of €8.72.
  • Support runs on email, phone and help centre, so you can pick up the phone rather than only writing in.
  • A broker arrangement means the policy is placed for you, with cover handled through online claims portal.
  • A sum insured of Excess Europe: up to GBP 7,500 sum insured (single incident) on the Europe excess product, which is the figure the rental desk will ask for.
  • Open to adults across 18-85, so age does not narrow the quote.

Cons

  • Cover runs to auto and van, so a home, a pet or travel policy has to sit with a different provider.
  • Claims start through online claims portal, which lists the online claims portal, while day-to-day questions run through email, phone and help centre.
  • As a broker, the cover is placed with an insurer rather than written by this firm, unlike Good Sam Insurance Agency, which sells its own lines across auto, home and renters.
iCarHireInsurance

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Scored 8.7 / 10 by AssureCue.

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Who it suits

  • Drivers renting a car in Europe who want the excess covered up to the sum insured shown on Excess Europe: up to GBP 7,500 sum insured (single incident)
  • People who prefer a single product to cover the rental rather than a whole motor policy
  • Anyone who values being able to phone or email support before and after a claim

Who should look elsewhere

  • Anyone who needs the premium spread across the year, since monthly payments is marked no for this provider
  • Household policies, because cover runs to auto and van and ends there
  • Drivers wanting a direct insurer relationship, where Good Sam Insurance Agency sits closer to the risk

How your money is protected

iCarHireInsurance is set up as a broker rather than an insurer, so the cover is arranged on an insurer's behalf and the contract sits with that insurer. In GB the firm is authorised and regulated by the Financial Conduct Authority, reference 312172. That matters for your money because a regulated broker must be able to account for the premium it holds between taking your payment and placing the policy, and a customer with a problem has a named regulator to take it to. Any claim under the policy runs through online claims portal, where email, phone and help centre give you the people to ask about it.

Price signals

Premiums start at £3.49. That is the opening figure for the product rather than a quoted price for a particular driver, so a real quote depends on the car hire excess you are covering and the length of your rental. For scale, the median premium across the brands reviewed here is €8.37, and the car insurance ranking median is €8.72, while the van ranking median is €37.17. The wider spread on the site runs from €0 to €3,431.08, so the starting figure sits well towards the lower end. On payment structure, monthly payments is marked no, which means the premium is paid in a single transaction rather than divided. A single payment suits anyone who would rather settle it and forget it, and less useful if you would be spreading the cost.

Cover and limits

The products cover auto and van, which is the whole of what is on offer. The main product is an excess policy for a rental car, and the headline figure for the Europe version is Excess Europe: up to GBP 7,500 sum insured (single incident). That is the number that decides whether the policy answers a large claim, because a car hire excess is what the rental company charges if the vehicle is damaged or stolen. Eligibility runs across 18-85, so the product is open to adults of a wide range of ages rather than a narrow band. The range stops at car and van, so a home, a pet or travel policy would sit with a different provider, and anyone with several policies to place will be spreading the shopping around.

Who regulates the provider

Regulation comes through the Financial Conduct Authority, licence 312172, which is the regulator for this kind of firm in the United Kingdom. Because the provider is a broker, the Financial Conduct Authority is the authority to approach about how the sale was handled, while the insurer named in the policy document is the authority to approach about the cover itself. That split is worth understanding before you buy: questions about the premium, the disclosure or the sale sit with the regulator behind licence 312172, while the sum insured and the terms sit with the risk carrier. A regulated broker also has to identify the insurer before the policy is incepted, so you should be able to see who is carrying the risk.

The company behind it

The firm behind the brand is Cover-More Insurance Services Ltd., based in the United Kingdom and trading since 2009. Contact runs through email, phone and help centre, so a question before you buy and a problem after a claim can both go to a person on the phone or by email as well as through the help centre. The Financial Conduct Authority licence, 312172, means the firm is authorised to sell this cover in GB and is subject to the regulator's rules on fair dealing. Taken together, these facts describe a long established broker with a staffed support desk, rather than a price comparison page that passes your details on.

How iCarHireInsurance compares

Where iCarHireInsurance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (312172), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does iCarHireInsurance actually insure?+

It is an excess product for a rental car, not a full motor policy. The Europe version carries a sum insured of Excess Europe: up to GBP 7,500 sum insured (single incident), which is the amount the policy will contribute towards what the rental desk asks you to pay for damage. The whole range is auto and van, so nothing beyond car and van cover sits behind it.

What is the lowest premium on the policy?+

Premiums start at £3.49, and that figure is the opening price on the product rather than a quote for a particular driver. For context, the median across the brands reviewed is €8.37, so the entry point sits below the middle of the group. Your own price will depend on the excess being covered and the length of the hire.

Can I pay for the excess cover in monthly instalments?+

Monthly payments is the comparable feature marked no for this provider, so the premium is settled in a single payment when the policy is taken out. That suits people who would rather pay once and stop thinking about it, and it does not suit anyone who wants the cost divided across the year. The broker arrangement does not change the payment structure, since the premium still goes in a single transaction.

Is the money behind this policy regulated?+

Yes, in the United Kingdom. The firm is authorised by the Financial Conduct Authority under licence 312172, which is the regulator you would approach if something went wrong with the sale. Because the provider is a broker, the premium is placed with an insurer and that insurer is named before the policy begins, so you can see who is carrying the risk.

Who can take out this policy?+

Eligibility runs across 18-85, so the product is open to adults across a wide age band rather than being limited to younger or older drivers. Age is one of the things that can change the quote, so the starting figure of £3.49 may move once your details are entered. It is worth getting a quote for your own hire before deciding.

How do I make a claim for a rental car?+

Claims start through online claims portal, so the online claims portal is the route to open one. If you would rather talk it through, email, phone and help centre gives you email, phone and a help centre for questions. Many rental excess claims also turn on evidence from the rental desk, so keeping the paperwork from the hire company speeds things up.

Can I cover my home or travel with the same provider?+

The insurance types listed are auto and van, so the range is car and van only. A provider such as Good Sam Insurance Agency sells across a much wider set of lines, which suits a household placing several policies at once. For a single car hire excess, the narrow range here is not a problem.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

iCarHireInsurance

iCarHireInsurance

Travellers and drivers covering car hire excess abroad who prefer to pay in full.

8.7/10See alternatives

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