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Car Hire Insurance Frequently asked Questions:

We've answered some common questions below... if you do not see your question please contact our UK office on +44 (0)1892 833338

Our Products

What kinds of policies are available?
We offer Car Hire Excess Reimbursement Insurance (CER) policies for Cars, Motorhomes.
Are there any Age Limits?
If you are aged between 21 and 84 and are named as a on the vehicle rental agreement, you can purchase cover provided you have an internationally recognised valid driving licence.
Do I really need this type of Insurance?
Yes, if you return the vehicle damaged, even if it was not your fault, you will be held liable for the excess charge set by the rental company. This insurance enables you to claim back the charges. There are other benefits too, depending on the type of cover you choose.
Am I covered for claims relating to Coronavirus (Covid-19)?
There is no cover on this type of insurance relating to Coronavirus as the policy is for Vehicle Rental only. However, if you are unable to travel as planned due to Covid-19 and as a result will not be hiring a vehicle on the originally booked date, you can contact us to amend your existing policy.

Policy Excesses

What is a policy Excess?
Many insurance policies have an 'Excess', or 'Deductible', which is the portion that you as the customer are responsible for. Excesses do not apply to all sections of cover, so please read the information when you obtain an online quote.
If I buy on-line how do I receive my policy?
When you have completed our easy on-line application your policy will be emailed to you immediately. If you also require posted copy just email us, quoting your policy number and we will send it to you at once.
What happens if I change my mind after I've bought a Worldwide Travel Insurance policy?
You can cancel your policy with a full refund within 14 days of purchase, as long as the start date of your policy hasn't passed, you haven't collected the vehicle, and you are not going to make a claim.

Making a claim

What do I do if I have an accident?
Follow the Rental Company's advice on how to deal with an accident or vehicle damage. They should provide assistance to help you to proceed correctly according to the situation and local laws. Upon returning the vehicle, you will then be charged for any damage incurred during the rental period - you must keep receipts and claim on your return home.
How do I make a claim?
You will need to call the claims office servicing the specific policy that you have purchased. Please refer to the policy wording for the telephone number or contact us for this information.

What to look out for when buying Vehicle Rental Insurance

When you rent a vehicle you will be advised of any charges (excesses or deductibles) that will apply if the vehicle is damaged or stolen during the period of hire. These charges can vary from a few hundred dollars to the full replacement cost of the vehicle.
Taking insurance to cover the excess charges gives you peace of mind that you won't be left out of pocket.

Is this insurance the same as the cover offered by the Rental Company? It can often be confusing when faced with a choice of policies particularly if differing terminology is used. You can be confident that this policy will cover you for all charges that you are contractually liable to pay to the Rental Company if the vehicle is damaged or stolen.

Is this type of insurance compulsory?
No – you could choose not to take any insurance cover at all, but with charges often in the thousands, you would be taking a great risk
You could choose to accept the insurance offered by the Rental Company on collection, but this is often costly and may exclude elements such as the vehicle underbody, roof, windows and tyres.
Our Car Rental Insurance policy is low priced and includes damage to the vehicle underbody, roof, windows and tyres.
Remember – as this is an optional product, you can choose to decline the cover offered by the Rental Company and opt for our better value policy to claim back the charges. Although you should ensure that you have access to your insurance during the hire, the Rental Company does not need to have sight of, or approve the cover.

Pay less for your Collision Damage cover

Renting a car while overseas gives you tremendous freedom to explore your destination. But it can be expensive, especially when car rental excess insurance is factored in. Some customers are only offered a collision damage waiver when they collect their car – an often expensive fee that can further stretch the budget.

There’s no denying that a collision damage waiver can give you extra peace of mind – especially on unfamiliar roads overseas – but car rental companies often charge a hefty fee for this important add-on.

Car Hire Excess Insurance from Worldwide Insure gives you all the protection you need in the event of a collision – but for a much lower price. Many holiday makers are becoming wise to the high fees charged by car rental firms for excess cover, which is why buying separate car hire excess cover has become so popular.

Get a quote for low-cost car hire excess insurance above.

  • Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
  • All policies purchased online are emailed immediately - ideal for last-minute bookings.
  • Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund provided that the start date shown on your certificate has not passed and you are not claiming.