Our service
Direct Excess Vehicle Insurance aims to provide excellent customer service, offering a range of coverages to meet all your car rental insurance needs. You can be sure to choose us to insure your car.
We recognize the value of the Financial Conduct Authority's initiative to Treat customers fairly. We believe that if we treat you, our customer, fairly at all stages; then, this will increase our core values and lead us to better service. Therefore, we are committed to ensuring that we incorporate the principles of treating customers fairly into all aspects of our business.
Car Rental Excess Insurance
We provide a range of car rental surplus insurance products and now you can choose the coverage that's right for you. We offer overage insurance for single trip and annual trip for multiple trips, with a variety of policies that cover destinations around the world. We also offer Collision Damage Waiver Insurance coverage for Single Trip and Annual Multi-Trip for car rentals in South and North America.
Fine print
Direct Car Excess Insurance is a trading name of American International Group UK Limited registered in England: company number 10737370. Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. Authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 781109). This information can be verified on the FCA website. Calls can be monitored or recorded. This website is aimed at users in the UK. Products are underwritten by American International Group UK Limited.
What is Car Rental Excess?
When you rent a car, the rental price usually includes insurance that covers you in case of accidents (Collision Damage Waiver / CDW) and theft (Loss Damage Waiver / LDW). If the worst happens, you will have to pay part of the costs to the rental company, the deductible. These costs can reach thousands of pounds. In addition, damage to tires, windshield and undercarriage is often excluded from the car rental company's insurance and will be the sole responsibility of the renter. Visit our Over Cover page for more information.
Why should I buy direct vehicle excess insurance?
Direct Excess Car Insurance gives you peace of mind knowing that if your rental car is damaged or stolen while in your care, it won't be left out of your pocket. Buying in advance can also save a significant amount compared to equivalent car rental coverage at their rental counter.
Our policies are endorsed by American International Group UK Limited.
What are Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW)?
In the Americas, many rental companies offer insurance, some including the rental price and others at an additional cost. However, depending on the state you are in, you may have limited coverage for damage to your rental car and Third Party Liability. Ensuring that you have adequate coverage is important so that you don't end up with a nasty bill if you are unfortunate enough to have an accident while on vacation.
I purchased a direct insurance policy against excess vehicles; do I need to leave a deposit when picking up my rental car?
Yes. If you take out our Direct Excess Vehicle Insurance policy, you do not need to take out the rental company's own policy. However, the rental company will usually ask you to leave a holding deposit, which will be held on your credit card. The deposit is usually the same cost as the excess you are responsible for, so make sure you have enough funds on your credit card to cover this.
I bought a direct insurance policy against excess vehicles, but the rental company is still trying to sell me theirs; what do I do?
If you have already purchased a direct car deductible insurance policy, you can rest assured that if you are involved in an accident or the rental car is stolen, we will refund the deductible (up to £6,000). Please remember that the deposit you left when you picked up the rental car will be deducted from your account, but we will refund you this cost. As with all insurance policies, there are some exclusions. Please read the policy text to make sure you are comfortable with our cover.