But things have changed. Just as those unlucky enough to own a car are being hammered by rising costs of insurance, something similar has happened with hire cars, where the excess amount on insurance for car hire typically goes from £500 up to £1,600 - so if your excess is £600 and someone drives into the back of you causing damage of £750, you end up paying £600. Which is why the hire firms are quite persuasive when it comes to coughing up an extra £11.00 a day for excess cover. Either that, or you take the risk.
An alternative is to use a separate insurance policy. Which I did, with a policy to cover the entire excess fee, damage to the roof and undercarriage of the car plus the windows and tyres. I used www.Insurance4carhire.com, a firm with good customer reviews, to get cover for the UK and the rest of Europe at a price of £42.50 for a year. Worldwide including the US is £58.50. For which, you get:
- Covers excess on damage to the vehicle, theft and damage to windows, roof, undercarriage & tyres
- Up to £4,000 per claim & £5,000 per year
- Unlimited number of rentals per year
- 31 days continuous cover per rental
- Cover for you plus 7 additional drivers aged 21-85