Business Details
Car Hire Excess Insurance in London
Direct Car Excess Insurance has been a trusted provider of car hire excess coverage across the United Kingdom and Europe. Our policies offer protection against excess charges of up to 6,000 per claim, ensuring customers are reimbursed for costs incurred due to damage or theft of hire vehicles. We operate in compliance with rigorous regulatory standards, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Our partnership with Riverside Underwriting Limited ensures seamless policy administration and customer support. While we ceased offering new policies from March 2024, all existing policies remain fully protected and administered. Our team prioritises transparency, with clear terms and conditions outlining coverage limits, exclusions, and claims procedures. Customers benefit from access to dedicated claims support, available via phone, email, or post during standard business hours.We maintain a commitment to clarity in communication, ensuring policyholders understand their coverage and the claims process. Our policies apply to UK residents aged 21 - 85, covering vehicles across Europe with exclusions for specific high-risk regions. By maintaining partnerships with all major car hire providers, we ensure our coverage remains accessible and reliable. Our claims process requires timely submission of documentation, including rental contracts and payment receipts, to facilitate efficient reimbursements. Through decades of industry experience, we have established a framework designed to protect customers while adhering to the highest standards of financial accountability and regulatory compliance.
Services
Car Hire Excess Insurance
Claims Handling
Policy Administration
Coverage Verification
Documentation Support
Highlights and features
- We offer up to 6,000 excess reimbursement per claim
- Coverage applies to all car hire providers
- Policies administered by FCA-authorised professionals
- Clear terms with no hidden fees
- Dedicated claims support via multiple channels
Associations and certifications
- Prudential Regulation Authority
- Financial Conduct Authority
Services
Car Hire Excess Insurance
Our car hire excess insurance protects UK residents against excess charges up to 6,000 per claim when renting vehicles in Europe. Coverage applies to damage, theft, or loss, regardless of the hire provider. Policies exclude travel to restricted regions and vehicles not covered under standard terms.
Claims Handling
We process claims for excess reimbursement with required documentation, including rental contracts and payment receipts. Claims must be submitted within 31 days of incidents, with support available via phone, email, or post during business hours.
Policy Administration
Riverside Underwriting Limited administers policies on our behalf, providing access to policy documents, certificate copies, and renewal options through the My DCE portal. Changes to policies require direct contact with our team.
Coverage Verification
Coverage applies to drivers aged 2185, with exclusions for rentals exceeding 62 days or travel to restricted regions. We confirm eligibility based on policy terms, ensuring clarity on what is and isn't covered under each agreement.
Documentation Support
We provide claim forms and guidance on required documentation, including police reports and damage invoices. Customers receive instructions for submitting claims via post or email, with detailed information on meeting claims conditions.
Questions
What does car hire excess insurance cover?
Our policies cover excess charges up to £6,000 per claim for damage, theft, or loss of hire vehicles across the UK and Europe, excluding restricted regions.
Can I use this insurance with any hire car provider?
Yes, our coverage applies to all hire car providers, even if they attempt to sell their own insurance products.
How do I make a claim?
Submit completed claim forms with supporting documents like rental contracts and payment receipts via post or email within 31 days of the incident.
Are there age restrictions for policyholders?
Coverage applies to UK residents aged 21–85. Drivers outside this range are not eligible for our policies.
What regions are excluded from coverage?
Policies do not cover travel in Cuba, Iran, Syria, North Korea, Crimea, or countries with FCDO travel advisories against non-essential visits.
What vehicles are not covered?
Certain vehicle types listed in policy documents, such as high-performance or modified cars, are excluded from coverage. Check terms for full details.
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