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Save ££ on Daily Van Hire Excess Insurance!

 

Remove your van rental excess and get fully protected for less!

Our Daily Van Hire Excess policies protect you against excess charges resulting from theft or accident damage to your rental van, whether it was your fault or not!

What it covers

  • Choice of Zero excess or reduction to just £100
  • £2000 excess protection
  • Works with any van rental company anywhere in Europe
  • Up to 31 days continuous protection
  • No distance from home restrictions
  • A low cost flat daily rate - No extra charge for larger vans.
  • Also covers minibuses with up to 9 seats

Van Hire Excess Insurance - What is van hire excess insurance?

Whether you're moving home, picking up a large new item of furniture or renovating your home, renting a van can be really useful. If you're renting a van in the UK or Europe your rental van will include comprehensive insurance as standard. This will include Third Party Liability as well as covering you for theft and damage.

However, most van rental companies will include an "excess" limit with your standard insurance which can be very high, particularly when considered against the price of the actual van rental. Typically, the excess limit required by van rental companies is between £500 and £1500, which you will be required to pay before the insurance will pay anything.

As many accidents are minor, it is usually the hirer who ends up paying for damage rather than the insurer or the rental company. What's more, with the rental companies' standard insurance you will still be liable to pay the excess even if the insurer settles the remainder of a high value claim.

Daily Van Hire Insurance - This daily policy is available in two options. The first is a zero excess product, the second enables the customer to reduce their excess to £100. Selling at £7.99 and £6.99 respectively these products are up to 50% cheaper than those sold by rental companies. What's more many rental company policies still leave the customer with an excess liability of around £500. This product covers all types of vans up to 3.5 tonnes as well as minibuses up to 9 seats.

Excess insurance / indemnity

With our Van Hire Excess insurance you can choose to reduce, or completely remove the excess requirement when you rent a van. Our policies work with any Van Rental Agreement and are a suppliment (not a replacement) to the standard insurance that you get with your rental van.

In the event of a claim, we will reimburse you to the level of the excess on your standard policy (subject to the insured limit on your icarhireinsurance policy and the voluntary excess that you choose with us).

No distance from home restrictions, and cover to vulnerable parts of the vehicle

Our van hire excess insurance covers you wherever you use a van rental in Europe. We place no "distance from home" restrictions on our policies so you are covered if you are renting a van for use at your own home. What's more, we also automatically cover parts of the vehicle that are often excluded from other insurance policies - such as tyres, windscreen, roof and undercarriage.

 

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Q: What types of Vans are covered by the Daily Van Hire Excess Insurance Policy?

A: Our Daily Van Hire Excess Insurance is designed to be used with all Light Commercial Vehicles (LCVs) which can be driven on a standard car driver’s licence (category A in the UK). LCVs are typically under 3,500 KG in Maximum Allowable Weight (MAW) and do not require a specialist drivers licence. Vehicles which require a higher driver licence category or an additional test such as a Certificate of Professional Competence (CPC), or Heavy Goods Vehicle (HGV) licence are not covered by this policy. For more information on vehicle classifications and drivers licence categories, please visit direct.gov.uk Our Daily Van Hire Excess insurance is predominantly for use with goods vehicles, not passenger vehicles so minibuses or other vehicles designed for carrying more than 9 people including the driver are not covered by this policy.

Q: Are minibuses covered by the Daily Van Hire Excess Insurance?

A: The Van Hire Excess Insurance policy will provide insurance for vans designed to carry up to 9 people including the driver. If a minibus has more than 9 seats it will not be covered by this policy. Please note, this restriction is based on the vehicle type not the amount of occupants in the vehicle at the time that damage is sustained; a vehicle that is designed to carry more than 9 people would not be covered under this policy even if there were less than 9 people in the vehicle at the time that damage occurred. This policy is not designed to provide protection for drivers who are charging a fare for transporting passengers, and this activity is specifically excluded from the policy as it is designed predominantly for casual private use.

Q: Does the Van Hire Excess Policy cover pick-up trucks, flat-bed vans and drop-side vans & crew-cabs?

A: The Van Hire Excess Insurance policy will cover flat bed vans, drop sided vans, pick-up trucks and crew-cabs, provided always that the MAW (Maximum Allowable Weight) of the vehicle remains under 3.5 tonnes (3,500 kg). For more information on vehicle classifications, please see the more detailed answer to the FAQ “What types of van are covered by the Daily Van Hire Excess Insurance Policy?”

Q: Does the Van Hire Excess Policy cover vans with a tail lift?

A:Vans with tail lifts are covered by the Daily Van Hire Excess Insurance Policy provided that the MAW (maximum Allowable Weight) of the vehicle does not excess 3.5 tonnes (3,500 kg). For more information on vehicle classification, please see the more detailed answer to the FAQ “What types of van are covered by the Daily Van Hire Excess Insurance Policy?”

Q: Can I buy an annual Van Hire Excess Insurance Policy?

A: Our research shows that vans are mostly hired for short periods of time so we have designed our policy to suit the needs of the vast majority of daily van hirers and do not currently offer an Annual policy. Our daily policies have been designed to be very competitively priced and also to provide additional levels of cover when compared to the policies offered by many van rental companies themselves.

Q: What is the voluntary excess?

A:With our Daily Van Hire Excess insurance policy you have two options. You can either buy a policy which reduces your excess to £100, or you can buy a policy which removes your excess altogether. There is a small difference in price between these two policies to reflect the different levels of cover provided.

Q: Your policy states that “lock out” cover is included – what does this mean?

A: Lock out protection offers protection in the event that you are unintentionally locked out of your rental van. If this happens, our policy will provide you with up to £100 towards the costs of opening the vehicle without causing any further damage. Further details on this cover can be found in section 7 of our policy wording.

Q: What does “31 days continuous cover” mean?

A:This is the maximum period of days that you can buy one of our Daily Van Hire Excess Insurance policies for. If you are hiring a van for longer than 31 days and still wish to buy excess insurance, please contact us.

Q: What countries are covered by the Van Hire Excess Insurance Policy?

A: Our Van Hire Excess Insurance Policy provides protection for any van rental which is taken out and used within the European Territory. This includes all EU and EEC states as well as other countries to the west of the Ural mountains including the British Isles, Ireland, Iceland, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira and the Azores, provided that none of these countries are subject to a “notice not to travel” by government bodies in the UK.

Q: Are local rentals covered and are there any distance from home restrictions applied?

A: Local rentals are covered by our Van Hire Excess Insurance. You can use it in your country of residence and there are no restrictions regarding proximity of use to your home address

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Looking for car hire excess insurance from iCarhireinsurance? Click on logo below

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Excess Insurance @ iCarhireinsurance HERE

Jargon Buster @ iCarhireinsurance HERE

Hot Tips for iCarhireinsurance HERE

Why Buy From iCarhireinsurance? HERE

What is Car Rental Insurance? HERE

iCarhireinsurance.com is a trading name of Halo Insurance Services Limited, a company registered in England and Wales, Company No. 06929208. Halo Insurance Services Limited is authorised and regulated by the Financial Services Authority, Register No. 504629

Founded in 2009, iCarhireinsurance.com is a groundbreaking new online insurance service that individuals and companies that hire vehicles in the UK or abroad cannot afford to be without.

We offer a range of policies that are fully comprehensive, simple to understand, unbeatable value and accepted at all car rental locations worldwide. The excess payments on most hire car insurance policies are often over £500 and can be as high as £1500. The costs involved with insuring a car against these excess car rental payments are expensive, at least £9 a day from most companies and often don’t cover the parts that are most likely to get damaged like the windows, tyres and roof.

iCarhireinsurance.com is an innovative company that gives customers peace of mind and can save them money by protecting customers from these excess insurance payments. It does cover parts like windows, tyres and the roof, and is at a very affordable price from £2.99 a day and £39.99 a year. Our ‘Excess Europe’ and ‘Excess Worldwide’ policies are great value, simple and easy to use, and designed to fit the specific needs to each customer, whether they want daily single-trip or annual multi-trip deals.

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Tip 1 - Think Ahead: If you think that you might hire a car more than once per year then buy an annual excess insurance policy. It will probably save you money and is more convenient as you are covered whenever you travel.

Tip 2 - Go Annual: If you hire a car for around 14 days in Europe or Worldwide, the price difference between the daily and annual excess insurance policies is marginal, so always go for the annual and get the extra cover.

Tip 3 - All in One: If you are hiring a car in the USA or Canada then buy the daily CDW/SLI policy unless your car rental is longer than 3 weeks, or you plan to make multiple trips. Consider the Worldwide Plus policy for multi-region cover all year.

Tip 4 - Local Rentals: Don’t forget that our European and Worldwide hire car excess policies include UK cover, so if you’re looking for excess insurance for hire cars in the UK, you’re fully protected with our policies at home and abroad.

Tip 5 - Upgrades: We offer the widest carhire excess insurance cover on the market, but we also offer upgrades such as Vehicle Key Replacement and Personal Accident Insurance which can be useful and cost effective.

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What is Excess? - Quite simply, if you hire a car and it gets damaged or stolen, the 'Excess' is the amount of money that you have to pay in the event of an insurance claim. Other terms for 'excess' include: super collision damage waiver (Super CDW), deductible and Non Waiver.

What is Excess Insurance? - Excess insurance is an additional policy, which protects you from the 'excess' costs you would otherwise have to pay if your hire car gets damaged or stolen.

Here's an example: Let's say your hire car is involved in a collision and it costs £2,000 to repair the damage. Under the terms of your car rental agreement, you have to pay an 'excess' of £500 to the car rental company, and the insurance company pays the rest of the repair costs (£1,500). If, however, you have - 'excess insurance' - you won't have to pay the £500 or even a penny towards the repair costs.

But why would I have to pay an 'excess' if insurance is included in the price of my car hire? - Well it might seem strange, but the insurance that comes as standard when you hire a car, doesn't give you the full protection you might need. It only reduces the amount you must pay if your hire car gets damaged or stolen, and some parts of the car are not covered by the insurance at all.

The amount of excess you are liable for depends on the details of the insurance policy that comes with your car hire, and this varies between the car rental companies - and different countries. Typically, excess charges are between £500 and £1,500. In most cases, you would need to buy 'extra' insurance to cover other vulnerable parts of the car and to protect you against excess charges.

How can I buy excess insurance? - Many car rental companies will offer you 'excess insurance' at the counter when you pick up your hire car, but this can cost you anything between £5 and £15 per day - on top of the price of your car hire. What's more, the excess insurance from your car hire company generally excludes cover for parts of the car that are most prone to damage, e.g. the roof, windows, tyres and undercarriage. But remember, you don't have to fall into the trap of buying expensive excess insurance from the car rental company counter or from your car club. You can buy the extra cover you need online for a much cheaper price - before you collect your car.

Excess insurance from iCarhire - With iCarhireinsurance.com you can pay as little as £2.99 a day for excess insurance and you won't be liable for any excess charges in the event of damage or theft of the hire car. And, as an extra bonus, our excess policies include cover for the roof, windows, tyres and undercarriage. Our excess policies cover European and Worldwide car hire. We also offer annual carhire insurance policies, which are even better value if you hire cars frequently, e.g. from a car club. iCarhire Excess Insurance policies are accepted at all car rental locations worldwide.

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CDW - Collision Damage Waiver: Collision damage waiver (also referred to as Super CDW) is an optional service that relieves the customer of responsibility for any damage to the vehicle. If declined, the customer will be responsible for any costs incurred.

LDW - Loss Damage Waiver: Renters may purchase loss damage waiver (LDW) that relieves them of all financial responsibility for loss or damage to the rental car as long as they comply with the terms of the rental agreement.

PAI - Personal accident insurance: Personal Accident Insurance covers the renter and passengers if they have an accident during the rental as a driver or passenger. It covers accidental death, some medical expenses and assistance and rescue

PEP/PEC - Personal effects protection / coverage: Personal Effects Protection insures the personal belongings of the renter and the immediate family members who are travelling with the renter

SLI/EP - Supplementary liability insurance / extended protection: The Supplemental Liability Insurance option covers the renter's liability to third parties, resulting from an automobile accident in a rental vehicle to a specified maximum value for each occurrence.

TP - Theft protection: If the rental car is stolen, this will cover the cost of replacing it (or parts of it). Normally, however, the renter will have to pay an excess towards these costs

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We are clear, competitive, and comprehensive!

The evolution is here! We are taking the hassle out of car hire insurance. Why settle for sky-high prices at the car rental desk when you can buy our products for less? Why leave yourself exposed? Take out a policy that really answers your needs.

Whether you are travelling to Orlando in the USA, Malaga in Spain or Brisbane in Australia, renting a car has become an affordable and convenient mode of transport. In comparison, car rental insurance, otherwise known as excess insurance or car insurance excess, has remained expensive and confusing and many people are not aware of the need to cover themselves in case of any damage to the rental car.

Until now!

iCarhireinsurance.com offers car hire excess insurance directly to consumers, thereby offering the best coverage at the best rates. iCarhire Customers save over 65% over the same cover when purchased at the car rental counter.

So whether you are travelling to the USA or Spain, or if you're renting a car in the UK, it pays to know your car hire insurance options. Buy at iCarhireinsurance.com with confidence.

Booking Car Hire in-country

Unlike other products out there, iCarhire's car rental excess products include "Local Rentals", with no distance restrictions from your main residence. So if it involves a short weekend trip to the country or a domestic business trip, you are covered! So, if you're booking from the UK, we'll automatically include UK carhire excess insurance "as part of your policy".

If you belong to membership type car clubs for quick getaways, read about our Car Club Excess Protection upgrade. You will save a bundle!

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CDW, SCDW, SLI, ALI, PAI, PEC, Excess Damage Fee...

Have you ever come across some of these terms? Do you know what they mean? When renting a car locally or abroad, the truth is that not all car rental companies offer you the same protection. It all depends where you travel to, which car rental company you use and what rental car you drive.

If you are driving abroad in Europe

For example, when you hire a car in EUROPE, most car rental companies provide you with comprehensive insurance, which include Third Party Liability Insurance, cover against damage to the hire car, as well as theft protection. This means you are fully protected against any cost that you would incur in case of an accident or theft.

However, most car rental companies also include a high excess, or deductible, on their car hire agreements. This gives them the opportunity to sell you all sorts of insurances at the car rental desk, especially car hire excess insurance. This is also known as Damage Waiver, or Super-CDW. See Jargon Buster @ iCarhireinsurance HERE

In case of an accident, if you happen to damage the rental car or if it was stolen, and you happen to be without car hire excess insurance, often unknowingly, you will be liable for that first portion of a loss or damage which is up to a specified amount on your car rental agreement.

If you are heading to the USA and/or Canada

When travelling to the USA and Canada, you are also responsible for buying your own Collision Damage Waiver / Loss Damage Waiver (CDW / LDW) and Supplemental Liability Insurance, otherwise known as SLI. In the majority of cases, it tops up your Third Party Liability cover up to USD $1 Million up from the US State minimum requirement (anywhere between $10,000 and $50,000) which is offered as standard in car rental agreements.

In a nutshell, Car Rental Insurance is a minefield. Why feel pressured to pay for insurance when you hire a car? Safeguard your trip and get peace of mind.

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See also:

Hire Cars Costing Around 100% More Again With Extras at the Car Rental Desk - October 2013

Unrecorded Damage Found by One in Three Who Have Hired a Car for Business - September 2013

Dutch and Spanish car hire excess insurance sites launched - August 2013

Car Rental companies are charging on average almost five times more than online insurance providers - July 2013

Van hire customers are warned that they risk up to £1000 if the vehicle is damaged - April 2013

icarhireinsurance points out possible extra car hire charges over Easter 2013 - "Car Hire Hot Spots Over Easter" - March 2013

iCarhireinsurance mentioned in Daily Telegraph Car hire on a Skiing Holiday feature today - January 2013

Do you know that Extras at the Car Rental Desk Can Double Cost of Car Hire for Families - October 2012

Did you know that you can buy carhire excess insurance for a week for the equivalent of one week's pension? - October 2012

Car Hire Excess Costs Consfuses Consumers - June 2012

Jubilee 'DIY' weekend could be a costly exercise for some if they hire a van - May 2012

The Hidden Cost That Could Add 75% To Your Car Hire Rental Bill - March 2012

Save money on car hire excess insurance and take a winter break - January 2012

iCarhireinsurance comes up with New Year Tips to stop car renters being ripped off - January 2012

Don't Lose Your Christmas Cheer with the Hire Car says iCarhireinsurance.com - December 2011

Dubious Dublin airport car rental staff - November 2011

iCarhireinsurance.com in finalists for Startup Awards 2011 - November 2011

Confusion over US Car Hire Insurance Could Cost Winter Sun Seekers Dear - iCarhireinsurance - October 2011

Hiring a van to transport student's stuff to Uni? - September 2011

UK Holidaymakers Find Foreign Drivers Very Aggressive - August 2011

Car hire insurance featured on BBC Radio 4 You and Yours - July 2011

Car Hire Drivers in a Spin About Car Hire Insurance - iCarhireinsurance - June 2011

"Which?" launch super complaint against “rip-off credit card charges” - April 2011

Satnavs are worthwhile iCarhireinsurance.com Blog - April 2011

Van hire insurance company research reveals that drivers lack experience driving rental vans - April 2011

Affordable Car Hire teams up with Halo Insurance - March 2011

Halo Insurance partners with Chubb in Germany - February 2011

iCarhireinsurance.com appoints Ben Wooltorton as Sales and Marketing Director - January 2011

Van hire excess insurance for only £7.99 a day available from iCarhireinsurance - December 2010

iCarhireinsurance.com van hire excess insurance now being promoted at insurance4vanrental.com December 2010 Press Release

Car Hire drivers warned to check their insurance this Christmas - iCarhireinsurance - December 2010

iCarhireinsurance.com is featured insurance provider - December 2010

insurance4vanrental.com is launched - Press Release March 2010

Useful tips when hiring a van

Van Hire available via Holiday Autos - Blog February 2010

Van hire excess insurance sales growing daily - Blog April 2010

Van hire insurance sales on the increase via insurance4vanrental.com - April 10 Press Release

Why Buying Van rental Insurance is important

Insuremyvanhire.com is featured insurance provider - November 2010

Top Tips for Car Hire This Summer - iCarhireinsurance.com - July 2010

Over £800M Wasted on Over-Priced Hire Car Insurance Policies iCarhireinsurance Press Release June 10

Hire Car Drivers Urged to Take Out Insurance With Cancellation Cover - May 2010

iCarhireinsurance.com awarded membership of the BVRLA

Check online car hire alternatives - May 2010

iCarhireinsurance.com been awarded membership of ABTA Trade Industry Partner Scheme - May 2010

iCarhireinsurance.com in The Guardian and Independent on Sunday - March 2010

iCarhireinsurance.com being marketed on the insurance4carrental.com website Press Release March 2010

Bridges Ventures and Magenta Partners launch Halo Insurance Services - March 2010

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See also: Useful tips when hiring a van

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