Save 10% on Your Van Hire Excess Insurance

We have partnered with ReduceMyExcess.co.uk to offer an exclusive 10% discount on Van Hire Excess Insurance.

10% Discount
Cover from £4.61 per day

Get Deal

What is Van Hire Excess Insurance

Whenever you hire a van, there is usually an excess you'll have to pay if you're unfortunate to be involved in an accident and damage the van. The excess varies by hire company and country but it's usually around £1,500.

Hire companies will offer you the option of removing this excess, either at the time of booking or at the hire desk. However, hire companies tend to charge significantly more than a standalone policy, charges of £10-20 per day aren't uncommon. A standalone policy will provide peace of mind and re-imburse you for excesses charged by the hire company should the worst happen.

The best thing about standalone Van Hire Excess Insurance is you'll save money on the cost of hiring a van, even if you are unfortunate enough to need to make a claim.

What does Van Hire Excess Insurance Cover

Standalone policies usually offer the same, or in some cases better, coverage than the product offered by the hire company. For instance, the excess waivers offered by some hire companies exclude damage to tyres, windscreens, the roof and the underneath of the vehicle. So you would still be liable for the excess if any of these are damaged.

Policies from ReduceMyExcess.co.uk with our 10% discount offer:

£7,000 excess reimbursement limit
Fire, theft & vandalism cover
Tyres, windscreen & undercarriage damage cover
Admin fees charged the hire company as a result of damage
Breakdown & misfuelling cover
Key & lockout cover

How does Van Hire Excess Insurance Work

Hire companies seem to make insurance sound scary and overly complicated, no doubt to encourage customers to buy their own policies. Getting stand-alone cover and saving money is actually very simple:

Buy a policy from ReduceMyExcess.co.uk using our exclusive 10% off.
Book your van, making sure you decline any extra insurance.
Collect the van, again declining an extra insurance.
The hire company will pre-authorise your credit card for the deposit.
When you hand the van back, if there is any damage the hire company will charge your credit card.
Make sure you keep copies of all the paperwork.
Submit a claim with ReduceMyExcess.co.uk.
Supply all the paperwork from the hire company, and they'll reimburse you.

Money Saving Tips

Avoid Hard Sell at the Desk

Some hire companies can be very insistent you buy their own policy. Stories of customers being told their standalone policy isn't valid or not recognised by the hire company aren't uncommon. Remember, this is a reimbursement policy, allowing you to claim back charges from the hire company in the event of damage to the vehicle. Sometimes it's best not to tell the hire company you have cover elsewhere and instead politely decline their cover and accept responsibility for the excess.

Business Use

If you're hiring a van for business purposes make sure this is covered by the stand-alone policy you purchase. Unfortunately our partners are currently unable to offer this cover.

Make Sure the Van has CDW

Most stand-alone policies require you to ensure the hired vehicle has CDW or Collision Damage Waiver. This is like your own van insurance, it covers the majority of the value of the vehicle in the event of an accident, but with an excess. Some hire companies are now offering the option to remove CDW, leaving you responsible for the full value of the vehicle, which is usually more than the reimbursement limit of standalone policies.

Check Your Credit Card

Because van hire excess is a reimbursement product, you'll need to pay the hire company when you return the van if there is any damage, plus they'll usually pre-authorise your credit card when you collect the van. So make sure you have a credit card with enough available credit to cover the excess.