Is Hire Car Excess Insurance Ever A Good Idea?


When it comes to hiring a car on holiday, there are a lot of things that need to be considered. In fact, there are a hundred and one little details that can make the difference between a great deal and a pretty shoddy one. It’s true that hiring a car on holiday can be a little daunting, especially if you’ve never done it before. Fortunately, it doesn’t have to be a nightmare scenario.

It can be particularly tricky to navigate the minefield of overseas rules and regulations, say experts at the Independent. There are lots of hire companies that will actively try to cloud your judgement, and take advantage of the fact that you are not familiar with the local customs. You should consider your options very carefully, before you jump in feet first – this is the key to securing a great deal on a hire car.

For example, the issue of excess insurance is something that can be very different for each individual holidaymaker. It may be that a friend’s family bought excess on their holiday hire car, and you are wondering whether you should do the same. According to experts at the Daily Mail, car hire excess insurance is quite a controversial subject. There are some experts who see it as a necessary addition to a policy, and there are some who consider it to be a bit of a scam.

The question is – which opinion is the most accurate? After all, you can’t make an informed decision if you don’t know who to trust. To be fair, it depends on which insurer you decide to buy from. Each company is different, and each company will inevitably offer you a very different deal. You must try to consider the accurate probability of you damaging a hire car. If you have small children, it’s easier than you think to scratch the interior or exterior of a hired vehicle.

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In the event that this does happen, a car hire company could demand that you pay the entire sum necessary to repair the damage. If you organise excess insurance with an independent insurer, this won’t happen. You won’t have to worry about expensive collision damage waivers, either. If you buy excess with an independent company and you end up damaging your hire car, you will have to pay the agreed excess only. You can then reclaim your money.

You are advised to be careful when considering excess on a hire car. It can be extremely expensive if you buy it from the hire company in question, say the experts at There’s a good chance that a hire company will charge you as much as £150 per week – a totally independent insurer will only charge you around £33 for the same period. Luckily, a reliable company like World Wide Insure can advise you on the best plan of action.

The secret to saving money is to always be cautious about optional extras. If you have planned your hire before you jump into it, you won’t be so easily cajoled into expensive CDW payments and over expensive excess policies. You are advised to stick to basic packages when hiring cars abroad. A lot of industry experts are keen to stress that some car hire firms make most of their money through costly add-ons and extras.

There will always be people who try to take advantage of the fact that you’re out of your comfort zone, especially in a foreign country. If you want to get a good deal, try not to let your inexperience show. Be confident, clear and direct when dealing with car hire firms. Do your research before you embark, and you’ll have a much more relaxing experience. If you know what you’re doing, it is bound to show in your manner and body language.

Craig Lilley has been a car salesman for eight years. He recommends Inchcape Lexus for more information on the latest news and updates from Lexus. Craig can usually be found chatting to customers out on the forecourt, or playing with his two young daughters at home.

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