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We all know about the excess on insurance policies. You take on a form of insurance and if you have to make a claim you need to put your hand in your pocket to pay the excess while the provider pays out on the rest of your claim. When you hire a rental car, the insurance that typically comes with it is the same, you have excess to pay. Excess car hire insurance may be able to save you money if you find yourself having to claim on your rental insurance.

How excess insurance may help

Typically if something happens to the rental car you do not literally have to put your hand in your pocket. The excess on the claim is typically directly taken from your credit card. The company has your details including your credit card number and this ensures that if the worst happens, the car hire rental people get their money. Excess car hire insurance is there to help you to pay the excess. You may take out a policy that provides up to so much towards the total amount of excess or it might even cover it all.

Points to bear in mind when considering cover

You may wish to bear the following in mind when choosing excess insurance;

* the excess policy only pays for the excess on your rental insurance, you still have to have rental cover in place;

* if you rent cars on a regular basis, you may wish to give some thought to taking out an annual insurance policy to save money;

* consider where you are hiring the car, if hiring in Europe you may have to take out insurance specifically for Europe.

Excess car hire insurance may be able to save you a great deal of financial stress if the worst situation occurred and you damaged the rental vehicle or had a third party liability insurance claim made against you.

By: Jason Hulott

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