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Car Hire Excess Waiver

  • Will be offered as an optional add-on for European Trips only
  • This policy must have been purchased and have commenced, either prior to, or to coincide with, the start of a Rental Agreement for which you wish cover to apply. Insured Drivers must be aged between 21 and 75 years of age on the date of purchase of this insurance and must have a full valid driving license or hold a full internationally recognised license to drive the Rental Vehicle.
  • Maximum period of 31 days.

Rental Vehicle means any single automobile hired under a short-term contract from a Car Rental Company or Agency, UNLESS it is:

  1. More than 10 years old
  2. Valued at more than €70,000
  3. A motor home, camper van, trailer or caravan, commercial vehicle or truck, motorcycle, moped, motorbike, off-road vehicle, recreational vehicle, high performance vehicle, prestige or exotic vehicle, passenger van or other vehicle with more than 9 seats.


What is covered?

Excess waiver up to €4,000 per incident (€5,000 per policy period) if your Rental Vehicle is involved in an incident and it results in:

  • Damage to the rental vehicle including damage to windows, tires and wheels, headlights, the undercarriage and the roof.
  • Loss of Rental value
  • Towing costs.
  • Car Rental Key Cover for costs incurred up to a maximum of €500, for each and every claim, subject to a maximum of €2000 in any one period of insurance.
  • Replacement for lost/stolen Membership/Card/Key


What’s NOT covered?

  • Where the Rental Agreement is for a period longer than 31 continuous days.
  • Where damage arises from operation of the rental vehicle in violation of the terms of the Rental Agreement.
  • Where damage is the result of driving whilst on any un-made up road.

For a full list of what’s covered, including product terms and conditions, please read the Car Hire Excess section of the Policy Document before you apply.