Car hire · Provider review
Car hire excess insurance: Reduce My Excess prices and cover
The quick answer
Reduce My Excess sells car hire excess insurance from £2.15 a day, as its own page advertises: single trip or annual cover that pays you back the excess if the hire car is damaged or stolen. Quoted 26 Oct 2026: single trip, Europe, 8 days, just you £22.10; annual multi trip, Europe, 31 days per rental, just you £48.53; annual multi trip, Europe, 31 days per rental, your family £72.80. Against that, Reduce My Excess quotes the rental desk's own cover at £21.36 a day.
Best Reduce My Excess dealAffiliate
Reduce My Excess
advertised "from" price per day
Per day of hire
Price
£2.15
- Prices from £2.15
Best value first
Every Reduce My Excess deal we track
AffiliateRanked by price, read from each seller's own site. Prices checked on each provider's own site, 26 Oct 2026.
What car hire excess insurance does
Car hire excess insurance pays back the excess you owe if your rental car is damaged or stolen. The excess is the amount you pay towards that damage before the rental company's own cover starts.
Standalone cover works as a refund. You buy it separately from the rental company. If the car is damaged or stolen, you pay the excess first. The insurer then pays that amount back to you.
It is usually cheaper than the excess cover sold at the rental desk. Our table below sorts deals by real cost, so the best value sits at the top. Check the date on the table to see when each price was last checked.
Reduce My Excess prices
Reduce My Excess sells two types of cover: single trip and annual. Each type has its own price, shown in the table below, so compare both.
The table shows the Reduce My Excess price for each cover type. Every price is read from the provider's own website. The table also shows the date it was last checked, so you know how current it is.
Standalone cover is usually cheaper than the excess cover sold at the rental desk. Compare the table price with the quote at the rental desk before you buy.
Ready to hire? Compare airport car hire deals first, then add your cover.
How to buy and claim
Buy single trip or annual cover, then claim back the excess if your hire car is damaged or stolen.
- Buy your cover. Choose single trip or annual cover. Check the price on Reduce My Excess's own website before you pay.
- Pay the excess. If your hire car is damaged or stolen, you pay the excess first.
- Get it back. Your standalone cover pays you back that amount.
Hiring at an airport? Read our airport car hire guide before you choose.
Straight answers
Questions people ask
- Is Reduce My Excess worth it?
- Yes, it can be: standalone cover is usually cheaper than the excess cover sold at the rental desk. It pays you back the excess you owe if you claim for damage or theft. Each table shows the date its prices were last checked, so compare before you book.
- Single trip or annual excess cover?
- Choose single trip cover for one rental, or annual cover if you hire cars several times a year. Reduce My Excess sells both types. Compare their prices in the table on this page, which shows when each price was last checked.
- Do I still pay the excess at the rental desk?
- Yes, you still pay the excess first if the car is damaged or stolen. Standalone car hire excess insurance then pays that amount back to you. It is usually cheaper than the excess cover sold at the rental desk.
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