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Great value for money travel insurance to protect you and your family while you are abroad: on holiday, on business, on a cruise, backpacking or on a winter sports trip.

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Car Hire Excess Insurance

Are you planning on hiring a car while you are away? Perhaps just for a weekend, or for a week whilst you’re in Spain?

Don’t get caught out by the excess charged for damage to hire cars on the rental agreement! Unbeknown to most people, you can actually be left with a hefty bill, potentially up to thousands of pounds, if your rental car is damaged or stolen. Many rental agreements include the Collision Damage Waiver (CDW), but usually you are still left with excess to pay on the rental company’s car insurance – and that could cost you more than £2,000!

InsuraTrip’s Car Hire Excess Insurance covers the whole of the excess on the rental company’s car insurance, essentially offering a more extensive alternative to the Super Collision Damage Waiver (Super CDW) that is offered by the hire car companies by including cover for a range of things that are not usually covered by Super CDW, such as damage to the tyres, windscreen or underside of the vehicle.

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Key Policy Benefits:

Below is a sample of the Car Hire Excess Insurance benefits schedule:

Benefits Schedule Silver Limits Gold Limits

Excess/Deposit Reimbursement (within the policy year)

Towing cost cover

Administration and handling charges

 £7,500 (£10,000)



£12,500 (£15,000)



Personal Accident - loss of sight, limb(s) or permanent total disablement



Personal Possessions Cover - overall limit

maximum per item, pair or set

tobacco, alcohol, fragrances limit







Rental Key Cover - Lost, stolen or damaged keys - per claim/total per period of insurance

Lock out







Insured Vehicle Breakdown 


Curtailment of Rental - per day.per agreement


Drop Off Charges 


Misfuelling (within the policy year) £500(£1,000)


Road Rage Cover


Car Jacking Cover


Additional Hired Items Cover 




For more information, and to view the full Benefits Schedule, please take a look at the full policy wording here.

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Don’t forget to insure yourself too! Swimming

When travelling abroad, don’t forget to insure yourself too. A broken down car can spoil a holiday, but so can a broken bone, which is why it’s important to have adequate cover before you set off!

Our Single Trip Travel Insurance policies can cover your trip from as little as £6.50*.

However, if you are a frequent traveller, you may save time and money with our Annual Multi Trip Travel Insurance.

You can even customise our Single and Annual Multi Trip policies to suit your needs, with optional extras such as Winter Sports cover, Cruise Plus Cover, Golf Cover, Business Plus Cover, Wedding Cover and more available!

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What's Included

InsuraTrip features a range of super benefits as standard. Insuratrip also features some great add-ons for you to tailor your policy and so you only pay for the cover you need.

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Pre-Existing Conditions

This policy does not provide cover for pre-existing medical conditions unless declared to us and accepted by us in writing (an additional premium may be payable). Please refer to the policy wording for the definition of conditions or significant medical history that must be declared if you are unsure. Failure to declare all necessary pre-existing conditions could invalidate your policy or mean a claim is later declined.


To declare your Pre-Existing Conditions please telephone InsuraTrip Healthcheck on 0203 829 3814 Monday to Friday 8am-8pm, Saturday 9am-5pm.

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Key Features
& Policies Include

  • Instant Quote and Cover
  • Wide Range of Discounts
  • Kids Go Free on Family Policies
  • 24/7 Emergency Helpline
  • Medical Expenses
  • Cancellation Cover
  • Baggage Cover
  • Personal Accident & Liability Cover
  • FREE cover for 100+ Sports
    and Activities
  • Independent Travel On
    Multi-Trip Policies
  • Wide Range of Options including gadgets and cruises
  • 1,000s Medical conditions considered
  • Online Policy Documentation
  • We don't store credit card details
.... and more

Optional Extras

  • WinterSports Option
  • Gadget Cover Option
  • Cruise Plus Cover Option
  • Golf Cover option
  • Business Plus Cover Option
  • Wedding Cover option
  • Nil Excess Option
.... and more

Travel News

Why Winter Sports Cover is Important
19th December 2015

With the snow beginning to fall in Europe and the ski season starting to gather pace in resorts, it’s worth noting the benefits of having wintersports cover included in your travel insurance policy.

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