60% iCarhireinsurance Discount Codes (1 iCarhireinsurance Voucher Codes) 2024 UK

How does iCarhireinsurance work?

A. Once you have saved money by buying our cover, decline the Excess cover offered at the car rental company's desk. With 'Excess Europe' and 'Excess Worldwide' charges for any damage to the vehicle will be made to your credit card by the car rental company, and you can then claim the money back through these car hire excess policies.

With 'USA & Canada' (CDW/LDW) and 'Worldwide Plus' you can also decline the "Deductible", "CDW", "LDW" and "Super-CDW" policies that you are offered at the rental desk*. If there is damage to the vehicle, they are unlikely to charge your credit card unless the amount is small. It is more likely that the car rental company will take direct contact with our claims management company.

However, the renter must submit a claim form so that the claims management company is fully aware of the circumstances in which the damage was sustained.

Note: iCarhireinsurance.com policies DO NOT replace any third party liability insurances (SLI/ALI etc) that are offered at the rental desk, or which may be provided as standard with your rental vehicle. Your iCarhireinsurance.com policy does not protect you against 3rd party property or injury claims and should not be relied upon to do so.

What Insurance do I need when Hiring a car?

A. It depends on where you are. When hiring a car in the UK, Ireland, Europe, Africa, New Zealand, Australia and most of the Middle and Far East, all rental agreements generally include CDW (Collision Damage Waiver), Theft and Third Party Liability. This means that the car you're driving is insured, however there is almost always an Excess (also referred to as Super CDW, Non Waiver or Deductible) which you have to pay in the event of theft or damage to the rental vehicle, and this can range from £500 - £1500+. Rental car desks will offer you Excess insurance to protect you against this excess, but this costs on average between £10 and £20 a day, and it doesn't cover you for damage to the tyres, windows, roof or undercarriage.

iCarhireinsurance protects customers from these excess payments at a price much lower than the car rental excess insurance. With iCarhireinsurance you pay from just £2.99* a day for Excess car hire insurance, compared with the average £9 daily rate that the rental companies charge, and we DO cover you for damage to the tyres, windows, roof and undercarriage.

When hiring a car in the USA, Canada, the Caribbean, Central and South America, you are required to have CDW (Collision Damage Waiver) / LDW (Loss Damage Waiver) - covering damage, theft and loss of use of the rental vehicle. Rental companies may insist on your buying a policy from them unless you can prove that you already have a suitable alternative policy in place (such as a stand alone policy from iCarhireinsurance.com). Purchasing this cover directly from the rental desks usually costs between £10 and £25 per day, depending on the location, the type of car and the rental company. The iCarhireinsurance.com USA and Canada policy is just £7.99 per day, or £99.99 for an annual policy and the Worldwide plus which also offers full CDW/ LDW and zero excess is £109.99 per year.

Sometimes additional liability protection called Supplemental Liability Insurance (SLI) - covering Third Parties; i.e. other vehicles and individuals, may be required. This is often in states or countries where the statutory levels of liability insurance that must be provided with the rental vehicle are considered insufficient to protect you in the event of a serious claim. iCarhireinsurance.com does not offer Supplemental Liability Insurance and you should check directly with your rental company if you are unsure of the level of third party liability cover that you already have as part of your rental agreement.

How many trips does the annual policy cover you for?

A. You can take unlimited trips during the year, and you are also covered for hire car usage in the UK. Unlike other policies which limit each rental period to just 31 days, our car hire insurance policies allow you to travel for up to 65 continuous days.

My credit card has travel insurance including CDW cover, do I still need excess insurance cover?

A. Yes. iCarhireinsurance policies will not cover you for Excess required which means you will still be liable for this Excess charges levied by your credit card. Our policies will only cover Excess charges from your rental company when you have CDW provided by them.

Are all named drivers covered on the policy?

A. When you take one of our Car Hire Excess Insurance policies, USA and Canada CDW/LDW policies or Worldwide Plus CDW/LDW policies, you are automatically covered for any car that you rent in the territory for which you have bought cover as long as you are the main driver on the car rental agreement. If you are not the main driver of the vehicle, you are not covered by the policy automatically.

If more than one person plans to drive your rental vehicle, make sure that they are named as additional drivers on the rental agreement. Provided that any additional drivers are named on the rental agreement then they will also be protected against any excess charges Associated with loss or damage when they were responsible for the vehicle. Our policies provide cover automatically for up to 9 named drivers, provided that they are all named on the rental agreement.

If you are a member of Car Rental Company Premium Programs, such as the Emerald Club from Hertz, it is most likely that you do not need to name your spouse/partner as a named driver as they are automatically covered. If you fall into this category of customer, please note you will have to prove your membership of such programme and its terms and conditions to the insurance company if you are to claim on the policy where the additional driver was responsible for the damage to the car. This will prove that you did not have to name the additional driver on the rental car agreement and the insurance policy would still be valid

Are there any age restrictions on your policies?

A. Policy holders must be aged between 25 and 80.

Are there any location restrictions on your policies?

A. With our policies, you are covered for the region for which the policy was purchased. You have the option to include In-Country cover for an additional premium. If selected, you'll be covered for renting and driving your hire car in your home country of residence. You'll also be covered if theft or damage occurs within 150km of your home provided you are a resident of the EEA.

Can I upgrade my policy?

A. You are unable to upgrade your policy before the policy starts. We may be able to cancel your policy and issue you with a refund of the premium paid, which will allow you to then purchase the required cover from us.

If your policy has started and you are not currently in possession of a rental vehicle we might be able to upgrade your policy (fees apply).

How can I add extra days to my existing policy?

A. To add extra days to your policy you can purchase the extra days you require via our website using the same process as before when purchasing your original policy (like taking out a new one). This will still count as a continual cover as long as it is purchased before your current policy expires.

For example, if a policy is expiring on 2nd June, you are covered under that policy until 23:59PM on the 2nd June, therefore the extension policy should start on the 3rd June which would begin at 00:00AM. Alternatively you can call 0203 302 2296 (Monday to Friday 9:30AM - 5:00PM ) before your current policy expires to make payment. Once the policy has expired it cannot be extended unless a request was received in writing before the policy expired. This extension is not applicable for Campervan rentals, Car Clubs, Van Hire or our Worldwide Plus policy.