{"id":25559,"date":"2018-07-21T16:09:38","date_gmt":"2018-07-21T15:09:38","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=25559"},"modified":"2024-11-21T16:21:19","modified_gmt":"2024-11-21T16:21:19","slug":"car-rental-excess-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/car-rental-excess-insurance","title":{"rendered":"Compare car hire excess insurance"},"content":{"rendered":"<p>Whether you\u2019re hiring a car for a week or two to get you and your family around on a foreign holiday or need a car for a day or two in the UK \u2013 for a big IKEA trip, perhaps \u2013 car insurance will typically come as part of the package. But the excesses on rental car insurance can be sky high. If you want to avoid the risk of paying a small fortune if your rental car is damaged or stolen, you\u2019ll need car hire excess insurance. You can buy this directly from the rental company, but you can often get a better deal with a standalone policy. We explain how to get the best cover.<\/p><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"540233d0-d3bb-413a-9604-481af280085f\" data-template=\"comparison\" data-niche=\"UKFCE\" data-site=\"UKFCE\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"UKFCE_CarHireExcess\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"25559\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFCE\",\"fieldset\":\"UKFCE_CarHireExcess\",\"template\":\"comparison\",\"category_id\":\"540233d0-d3bb-413a-9604-481af280085f\",\"category_name\":\"UKFCE_default\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778421598}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-540233d0-d3bb-413a-9604-481af280085f\">2 of 2 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tregularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFCE\" data-site=\"UKFCE\" data-table-id=\"2635\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFCE\",\"fieldset\":\"UKFCE_CarHireExcess\",\"template\":\"comparison\",\"category_id\":\"540233d0-d3bb-413a-9604-481af280085f\",\"category_name\":\"UKFCE_default\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778421598}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfce\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"2\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"f1bed5c7d8e0c015031a42115243548d524b23dc29463edeae6f1b254cfc208a\" data-table-record-type=\"product\" data-table-record-ids='[\"41dc784e-35ac-4676-a888-d9116e016d0f\",\"86a9f6f9-d9f4-422c-a0d4-2b15c63a908a\"]' data-total-data=\"2\" data-enable-top-filters=\"false\" data-total-product-count=\"2\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-ajax-table-sorter-column=\"product__MAX_HIRE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"max_hire\">\n                                                        Max hire\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"product__MAX_COVER\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"maximum_cover\">\n                                                        Maximum cover\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.TABLE_DETAILS.KEY_COVER\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"key_cover\">\n                                                        Key cover\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFCE.PRODUCT.DATAPOINT_WORLDWIDE_COVER\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"worldwide_cover_option\">\n                                                        Worldwide cover option\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFCE.PRODUCT.DATAPOINT_CAR_DAMAGE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"car_damage_covered\">\n                                                        Car damage covered\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFCE.PRODUCT.MISC_KEY_BENEFITS\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"key_benefits\">\n                                                        Key Benefits\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"41dc784e-35ac-4676-a888-d9116e016d0f\" data-provider-id=\"28be43f1-984e-4902-bedb-4383e0fee565\" data-product-name=\"icarhireinsurance\" data-provider-name=\"icarhireinsurance\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5bd734263432f.png\" alt=\"icarhireinsurance logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5bd734263432f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5bd734263432f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5bd734263432f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5bd734263432f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5bd734263432f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>icarhireinsurance<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"65\" data-column-index=\"1\" data-decorator=\"numeric\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Max hire\">\n                        65\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\u00a36000\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum cover\">\n                        \u00a36000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\u00a3500\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key cover\">\n                        \u00a3500\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfce.product.datapoint_worldwide_cover\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Worldwide cover option\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfce.product.datapoint_car_damage\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Car damage covered\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"41dc784e-35ac-4676-a888-d9116e016d0f\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/car-rental-excess-insurance\/icarhireinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCE%22%2C%22fieldset%22%3A%22UKFCE_CarHireExcess%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22540233d0-d3bb-413a-9604-481af280085f%22%2C%22category_name%22%3A%22UKFCE_default%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778421598%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%229701%22%2C%22niche_code%22%3A%22UKFCE%22%2C%22product_id%22%3A%2241dc784e-35ac-4676-a888-d9116e016d0f%22%2C%22product_name%22%3A%22icarhireinsurance%22%2C%22post_id%22%3A%2225559%22%2C%22post_path%22%3A%22car-insurance%252Fcar-rental-excess-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to icarhireinsurance's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about icarhireinsurance\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"41dc784e-35ac-4676-a888-d9116e016d0f\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"86a9f6f9-d9f4-422c-a0d4-2b15c63a908a\" data-provider-id=\"14698a58-cc13-435f-9794-40434b6cf234\" data-product-name=\"insurefor.com\" data-provider-name=\"insurefor.com\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5aa128e034058.png\" alt=\"insurefor.com logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5aa128e034058.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5aa128e034058.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5aa128e034058.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5aa128e034058.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5aa128e034058.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>insurefor.com<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"31\" data-column-index=\"1\" data-decorator=\"numeric\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Max hire\">\n                        31\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\u00a310,000\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum cover\">\n                        \u00a310,000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\u00a3500\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key cover\">\n                        \u00a3500\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfce.product.datapoint_worldwide_cover\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Worldwide cover option\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfce.product.datapoint_car_damage\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Car damage covered\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"86a9f6f9-d9f4-422c-a0d4-2b15c63a908a\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/car-rental-excess-insurance\/insureforcarrentalexcessinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCE%22%2C%22fieldset%22%3A%22UKFCE_CarHireExcess%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22540233d0-d3bb-413a-9604-481af280085f%22%2C%22category_name%22%3A%22UKFCE_default%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778421598%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%227399%22%2C%22niche_code%22%3A%22UKFCE%22%2C%22product_id%22%3A%2286a9f6f9-d9f4-422c-a0d4-2b15c63a908a%22%2C%22product_name%22%3A%22insurefor.com%22%2C%22post_id%22%3A%2225559%22%2C%22post_path%22%3A%22car-insurance%252Fcar-rental-excess-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to insurefor.com's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about insurefor.com\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"86a9f6f9-d9f4-422c-a0d4-2b15c63a908a\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        \/\/ Handle pill clicks (minimal UX variant) - independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n          const modalParams = {\n            productId,\n            campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n            redirectUrl,\n            productName,\n            providerName: row.getAttribute(\"data-provider-name\") || \"\",\n            niche,\n            offerId,\n            component: \"infobox\",\n          };\n\n          if (\n            window.rewards &&\n            typeof window.rewards.displayModal === \"function\"\n          ) {\n            window.rewards.displayModal(modalParams, false, cta);\n          }\n        };\n\n        if (dealsLeftEl && !dealsLeftEl.dataset.bound) {\n          dealsLeftEl.dataset.bound = \"true\";\n          dealsLeftEl.addEventListener(\"click\", () => handleClick(dealsLeftEl));\n        }\n\n        if (dealsList && !dealsList.dataset.bound) {\n          dealsList.dataset.bound = \"true\";\n          dealsList.addEventListener(\"click\", () => handleClick(dealsList));\n        }\n\n        if (dealsHeader && !dealsHeader.dataset.bound) {\n          dealsHeader.dataset.bound = \"true\";\n          dealsHeader.addEventListener(\"click\", () => handleClick(dealsHeader));\n        }\n\n        rewardsProduct.dataset.rewardsBannerAttached = \"true\";\n      });\n    };\n\n    const tables = document.querySelectorAll(\n      \"table.rewards--container[data-table-record-ids]\"\n    );\n\n    tables.forEach((table) => {\n      const tableObserver = new MutationObserver(() => {\n        setTimeout(() => initRewards(table), 0);\n      });\n\n      tableObserver.observe(table, {\n        childList: true,\n        subtree: true,\n      });\n\n      initRewards(table);\n    });\n\n    \/\/ Pill countdown timers (minimal UX)\n    function initPillCountdowns() {\n      const countdowns = document.querySelectorAll(\"[data-rewards-pill-countdown]:not([data-pill-countdown-bound])\");\n\n      countdowns.forEach((el) => {\n        el.dataset.pillCountdownBound = \"true\";\n        const endDateStr = el.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        const endTime = new Date(endDateStr).getTime();\n        if (Number.isNaN(endTime)) return;\n        const now = new Date().getTime();\n        const distance = endTime - now;\n        const sevenDaysMs = 7 * 24 * 60 * 60 * 1000;\n\n        if (distance <= 0) {\n          const wrapper = el.closest(\".rewards-pill-wrapper\");\n          if (wrapper) wrapper.style.display = \"none\";\n          return;\n        }\n\n        if (distance > sevenDaysMs) {\n          return;\n        }\n\n        el.removeAttribute(\"hidden\");\n\n        const daysEl = el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = el.querySelector(\"[data-pill-countdown-seconds]\");\n\n        let interval;\n        const updatePillCountdown = () => {\n          if (!el.isConnected) {\n            if (interval) clearInterval(interval);\n            return;\n          }\n\n          const remaining = endTime - new Date().getTime();\n\n          if (remaining <= 0) {\n            if (daysEl) daysEl.textContent = \"0d\";\n            if (hoursEl) hoursEl.textContent = \"0h\";\n            if (minutesEl) minutesEl.textContent = \"0m\";\n            if (secondsEl) secondsEl.textContent = \"0s\";\n            if (interval) clearInterval(interval);\n            \/\/ Hide pill wrapper on expiry\n            const wrapper = el.closest(\".rewards-pill-wrapper\");\n            if (wrapper) wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n   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comparison-table__dataCount\">Showing\n\t\t\t2\n\t\t\tof\n\t\t\t2\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFCE\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3 id=\"guide\">What is car hire excess insurance?<\/h3><p>If you <a href=\"https:\/\/www.finder.com\/uk\/car-hire\">rent a car<\/a> and it\u2019s damaged, lost or stolen, the car insurance you\u2019ll get as part of the rental package should protect you from the worst of the financial impact. But you\u2019ll be charged an \u201cexcess\u201d by the rental company \u2013 this is the amount you have to pay towards any insurance claim. Excesses for hire cars are typically several hundred pounds and can top \u00a31,000.<\/p><p>Car hire excess insurance covers this amount so you don\u2019t have to pay it.<\/p><h3>How does car hire excess insurance work?<\/h3><p>Excess insurance lets you claim back the excess that would otherwise be payable if your hire car was stolen or damaged following an accident.<\/p><p>Some policies will cover the full amount of the excess, while others will only cover part of it, so check the details before you buy.<\/p><p>There can also be differences in exactly what damage is covered. For example, some policies may exclude damage to peripheral parts of the car, such as tyres, wing mirrors or windscreens.<\/p><h3>How do I get car hire excess insurance?<\/h3><p>There are two main ways to get car hire excess insurance.<\/p><ol><li><strong>Get excess reduction cover straight from the rental company.<\/strong> This is the simplest option as you can arrange it directly through the rental company. You may also see it called \u201cexcess waiver\u201d. It reduces the excess you will have to pay to a much more reasonable amount, and you won\u2019t have to deal with a separate insurance provider to get your excess refunded. However, it\u2019s typically much more expensive than buying standalone cover from a third party.<br><strong>Why choose this option?<\/strong> If you haven\u2019t planned ahead and bought standalone car hire excess insurance in advance, this is likely to be the most convenient option.<\/li><li><strong>Take out a standalone car hire excess insurance policy.<\/strong> This type of cover is designed solely to cover any car rental excess you may become liable for. As with travel insurance, you can choose between annual and single-trip cover.<br><strong> Why choose this option?<\/strong> This is a great and less expensive option if you need a flexible policy designed specifically for car rentals.<\/li><\/ol><p>If you\u2019re taking out a travel insurance policy for the same trip you\u2019re hiring a car for, it could also be worth checking if your travel insurer offers car hire excess insurance as an add-on. If it does, compare the cost of the add-on to the cost of buying a standalone policy.<\/p><p>Bear in mind that if you don\u2019t buy excess insurance directly from the car hire company, it may ask for a large upfront credit card deposit to cover the excess amount. You\u2019ll get this back if you don\u2019t need to claim.<\/p><h3>What does car hire excess insurance cover?<\/h3><p>Most policies will protect you from having to pay an excess in the event of the following:<\/p><ul><li>The hire car is damaged in an accident or by fire or vandalism<\/li><li>The hire car is stolen<\/li><li>You\u2019re unable to return the hire car to the rental location<\/li><li>Luggage or personal effects are stolen, accidentally damaged or permanently lost.<\/li><\/ul><p>As well as covering the excess, policies may include cover for damage to areas that may be excluded by the rental company\u2019s standard insurance, such as the windscreen and tyres. Additional drivers named on the rental agreement are also usually included on the policy.<\/p><h3>Do I need car hire excess insurance?<\/h3><p>When you hire a car, you\u2019ll typically get a basic level of insurance for damage to the car and protection against theft. Usually, this is included in the rental deal; in some countries, such as the US, you may need to pay extra. You may see the following terms used:<\/p><ul><li>Collision damage waiver and theft protection<\/li><li>Loss damage waiver<\/li><li>Damage liability fee<\/li><\/ul><p>However, in the event of an accident or theft of the car, you will be liable to pay an amount towards the claim \u2013 known as the excess. All car insurance policies have an excess, but the excesses for hire cars are usually much higher \u2013 usually at least several hundred pounds and sometimes more than \u00a31,000.<\/p><p>This is where car hire excess insurance comes in, as it will dramatically reduce or even totally eliminate the amount of excess you have to pay. You\u2019re under no obligation to take out excess insurance, but it can offer a financial safety net should the worst happen.<\/p><h3>What are the different types of car hire excess insurance?<\/h3><p>If you buy cover directly from the company you\u2019re renting the car from, you\u2019ll typically only be covered for the specific car rental period.<\/p><p>If you\u2019re buying a standalone policy, you can choose to buy car hire excess insurance by the day, to cover a specific trip (or trips) or as an annual policy. A bit like annual travel insurance, an annual car hire excess policy covers you for multiple trips within a 12-month period. There may be a limit on each trip length.<\/p><p>You may also have a choice of UK-only, European or worldwide cover.<\/p><ul><li><strong>UK-only cover:<\/strong> As the name suggests, this only covers you for cars you hire to drive in the UK. It\u2019s usually the cheapest, but also the most limiting, cover. Some companies may not have a separate UK policy and will instead combine UK and Europe into one policy.<\/li><li><strong>European cover<\/strong>: This will cover your car hire excesses for driving in Europe, including the UK. Different companies may have different definitions of what counts as \u201cEurope\u201d for the purposes of cover; for example, some may include Egypt and Israel.<\/li><li><strong>Worldwide cover<\/strong>: This will cover you to drive in the UK, Europe and further afield. Some companies may break this down into worldwide <em>including<\/em> the US and Canada or worldwide <em>excluding<\/em> the US and Canada. Bear in mind that you may not be covered to drive in countries that the UK government has <a href=\"https:\/\/www.gov.uk\/foreign-travel-advice\" target=\"_blank\" rel=\"noopener\">advised against travel to<\/a>.<\/li><\/ul><h3>Should I buy annual or single-trip excess insurance cover?<\/h3><p>The best option will depend on how often you need to hire a car and where you plan to travel. If you only hire a car once a year, a single-trip policy will probably be cheaper. If you expect to hire a car more often, check the cost of annual cover too as it may work out cheaper than buying several single-trip policies.<\/p><h3>How much does car hire excess insurance cost?<\/h3><p>It depends on how you buy it, whether you\u2019re buying a single-trip or annual policy and where in the world you\u2019re hiring a car.<\/p><p>One thing that\u2019s certain is that buying car hire excess cover directly from the rental company is likely to be much more expensive \u2013 many firms charge \u00a325 or more per day, adding up to the best part of \u00a3200 for a week\u2019s car rental.<\/p><p>Buying it in advance from a standalone insurer could cost as little as \u00a330, or in some cases even less, for the same period of cover.<\/p><p>It\u2019s really worth looking for the best deal well in advance of your trip.<\/p><h3>What should I look for when taking out car hire excess insurance?<\/h3><p>As is often the case with insurance, exactly what is covered and any exclusions will differ between policies. Depending on your needs, it\u2019s worth checking the following:<\/p><ul><li>Whether the policy covers the whole excess or only part of it<\/li><li>Whether the policy covers additional drivers<\/li><li>Any age restrictions on the drivers<\/li><li>Whether there are any limits on how far you must be from home when problems occur<\/li><li>If you have annual insurance, how many trips the policy covers you for and how many days per trip<\/li><li>Exactly what damage will be covered. For example, will the excess be covered in the event of vandalism? Is damage to the headlights, tyres, windows, windscreen or wing mirrors covered?<\/li><li>Whether the policy will reduce your rental excess if you\u2019re involved in a \u201csingle-vehicle accident\u201d (such as scraping the car on a wall) or only if you\u2019re involved in an accident with another vehicle.<\/li><\/ul><h3>What doesn\u2019t car hire excess insurance cover?<\/h3><p>As well as checking the features and exclusions above, which can vary by policy, as a general rule, you will not be able to make a claim under any car rental excess insurance policy in the following situations:<\/p><ul class=\"list-12\"><li>You were under the influence of alcohol or drugs at the time the loss occurred.<\/li><li>You do not act sensibly and responsibly to protect yourself and your property.<\/li><li>You do not do everything possible to reduce your loss.<\/li><li>Your claim is a result of you breaking the law or breaking a government ban or regulation.<\/li><li>Your claim is a result of an act of war, rebellion, revolution etc.<\/li><li>Your claim is a result of an act of terrorism or nuclear contamination.<\/li><li>Your claim arises from motor sports of any kind.<\/li><li>The loss or damage is caused by detention or confiscation by customs or other officials or authorities.<\/li><li>You are travelling against the advice of your doctor or you\u2019ve booked or undertaken your trip after being diagnosed with a terminal illness.<\/li><li>Your claim arises from or is exacerbated by an existing medical condition.<\/li><li>Your claim involves suicide or a self-inflicted injury.<\/li><\/ul><h3>How to compare car hire excess insurance<\/h3><p>Some, but not all, car rental companies publish the cost of their car hire excess insurance on their websites. You may be offered the chance to buy it when you book your car hire and doing this is likely to be cheaper than buying it at the desk when you pick up the car.<\/p><p>Before you hit the buy button, though, compare the cost of standalone policies, such as those in the table at the top of this page. Make sure you think about exactly what cover you are likely to need \u2013 for example, single-trip or annual cover and European or worldwide cover.<\/p><h3>How can I save on my car hire excess insurance?<\/h3><p>Use the following tactics to avoid paying more than you need to for car hire excess insurance.<\/p><ul><li><strong>Don\u2019t wait till the last minute. <\/strong>Waiting until you\u2019re at the car hire desk to buy excess insurance is almost certainly the most expensive option.<\/li><li><strong>Shop around among standalone insurers.<\/strong> You\u2019re likely to pay much less with any third-party insurer than buying excess insurance from the rental company, and shopping around will secure you the very best deal. The comparison table at the top of this page is a great starting point.<\/li><li><strong>Don\u2019t prioritise upfront price over quality.<\/strong> Check that the policy covers everything you need, and covers the full amount of the excess. Otherwise, you could find yourself faced with unexpected charges in the event of a claim.<\/li><li><strong>Consider an annual policy.<\/strong> If you expect to hire a car more than once a year, an annual policy may work out cheaper than multiple single-trip policies.<\/li><\/ul><h3>How do I make a car hire excess insurance claim?<\/h3><p>It depends on whether you bought your excess insurance directly from the car rental company or from a third-party insurer.<\/p><p><strong>If you bought car hire excess insurance directly from the car rental company<\/strong> and need to make a claim, your cover should be applied automatically. Depending on the terms of the cover, this will either dramatically reduce the excess you need to pay or mean you don\u2019t have to pay any excess at all.<\/p><p><strong>If you bought standalone car hire excess insurance <\/strong>and need to make a claim, the car rental company will deduct the excess from the card you used to pay for the rental. You will then need to claim for the amount of the excess from the third-party provider, which will reimburse you. Make sure you keep hold of any paperwork and receipts relating to the car hire and the claim, as you may need to show these to the third-party insurer.<\/p><h3>Making a claim \u2013 tips to make sure you\u2019re paid<\/h3><ul><li><strong>Before you travel, make sure you know what evidence you will need to make a successful claim.<\/strong> If you are travelling with expensive items that you wish to cover, you will likely need original receipts or proof of ownership. Similarly, in the event of an accident, you may need to obtain police and medical reports to validate your claim. Take photos of the damage. If another car hits yours, get the driver\u2019s details.<\/li><li><strong>Get a damage list.<\/strong> If the car is damaged while it\u2019s in your possession, ask the rental company for an itemised account of any repairs required.<\/li><li><strong>Contact your insurer as soon as possible.<\/strong> Don\u2019t leave it till you get home to speak with your insurer. Contact them as soon as possible so you know exactly what they require for your claim to be paid.<\/li><li><strong>Cooperate.<\/strong> Make an effort to work closely with your insurer to provide them with everything needed for your claim.<\/li><li><strong>Get evidence from officials.<\/strong> If you are trying to claim for loss or theft or for damage to your rental vehicle or luggage, make sure you get an official report.<\/li><li><strong>Take your time with the claims documents.<\/strong> Make an effort to fill out all the necessary documentation as best you can and provide all the necessary supporting documentation on time.<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Should I buy standalone car hire excess insurance or direct from my rental company?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Here at Finder, we\u2019re all about helping consumers get the best deal. And if you\u2019re looking to get the best price on car hire excess insurance, buying a standalone policy is a no-brainer. Buying a policy from one of the third-party insurers in the table at the top of the page is likely to cost only a fraction of what you\u2019ll pay if you buy cover directly from your rental company.<\/p><p>You\u2019ll also be able to shop around to get cover that has the features you need. If you buy direct from the rental company, you\u2019ll be tied to whatever their policy happens to cover (or not cover). Its policy may, of course, be exactly what you need\u2026but it may not be.<\/p><p>One caveat: if you prize convenience over price, it could be worth considering buying direct. It should make things more seamless in the event of a claim, whereas if you have a standalone policy, you\u2019ll need to pay the excess to the rental company and claim it back from the insurer. But whatever you do, don\u2019t leave that decision till you\u2019re at the rental desk. Doing so could leave you with no choice but to buy an expensive policy that may not cover everything you need.<\/p><\/div><\/div><\/div><\/article><h3>Bottom line<\/h3><p>If your rental car is stolen or damaged, by default the rental company will charge you an excess. The only way to avoid this is by getting car hire excess cover. It can be tempting to assume you won\u2019t have any problems and decide not to pay the extra fee for this, but when excesses can exceed \u00a31,000, this could be a false economy in the event of a claim. Buying from your rental company when you collect the car can be convenient, but also pricey. To keep costs down, shop around among standalone insurers before you go and consider an annual policy if you expect to hire a car more than once a year.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Will my travel insurance cover car hire?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Most <a href=\"https:\/\/www.finder.com\/uk\/travel-insurance\">travel insurance<\/a> policies won\u2019t cover insurance for car hire or car hire excess insurance as standard. Your travel insurance provider may offer car hire excess insurance as an add-on to your main policy, however.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Does car hire excess insurance cover scratches?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You should check the small print to be sure, but usually, yes. In fact, it\u2019s just this type of minor damage where car hire excess insurance can be really beneficial. Without excess insurance, the cost of the repair would usually be lower than the excess, so you\u2019d probably have to pay for the full cost of repairing a scratch.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What's the difference between collision damage waiver and loss damage waiver?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Collision damage waiver covers the cost of damage to a rental vehicle in the event of an accident. Loss damage waiver includes this, plus the cost of replacing the car if it is stolen or lost.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What happens if you damage a rental car without insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> This is a very unlikely scenario, as basic collision damage waiver insurance is usually covered as part of a car rental agreement. But in the theoretical eventuality of damaging a rental car without insurance, you\u2019d be liable for the full cost of repairs.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Do I need to buy additional insurance from my car rental company?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In most cases, the basic insurance you need \u2013 <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-car-insurance\">third-party insurance<\/a> (a legal obligation in most countries) and damage to the rental car \u2013 will be included as part of the standard rental package. In some countries, such as the US, you may need to pay extra for it. But while you\u2019re not usually under any obligation to buy additional insurance, unless you have a standalone car hire excess insurance policy, you\u2019ll be liable to pay a large excess in the event of a claim.<p>Some car rental companies will try and persuade you to take out their own, often expensive, excess insurance (or excess waiver). If you already have a standalone policy, stand your ground and be clear that you don\u2019t need the rental company\u2019s extra cover.<\/p><p>If you don\u2019t have your own car hire excess policy, then you\u2019ll need to weigh up the cost of excess cover against the risk of having to pay the full excess if you need to make a claim.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Is car hire cheaper closer to the hire date?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Generally speaking, no. If you\u2019re <a href=\"https:\/\/www.finder.com\/uk\/car-hire\">renting a car<\/a> in a less popular location, at a quiet time of year, prices probably won\u2019t change that much over time. There is a small chance that prices may drop closer to the time if demand for cars is very low, but there\u2019s no guarantee of this.<\/p><p>If, on the other hand, you want to hire a car in a popular location and\/or at a busy time of year (school holidays, for example), prices are likely to increase closer to the date, so it\u2019s best to book as soon as you can.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Who can take out car hire excess insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As a general rule, if you can hire a car, you should be able to take out car hire excess insurance. Some policies won\u2019t cover under 21s, but this age restriction usually applies to being able to hire a car in the first place.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>If you rent a car and it&#8217;s damaged, lost or stolen, you&#8217;ll be charged an &#8220;excess&#8221;. Find out how to get cheap cover for a car rental excess by reading our guide and save online today.<\/p>\n","protected":false},"author":805,"featured_media":280315,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2645],"tags":[128885,128901,2565],"asset_tag":[],"class_list":["post-25559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-car-hire-excess","tag-car-insurance-types-2","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare car hire excess insurance | Finder UK<\/title>\n<meta name=\"description\" content=\"Excess cover from car hire firms can be expensive. 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She\u2019s helped people find the best products and services, and avoid the pitfalls, across topics ranging from broadband to insurance. Outside of work, you can often find her sampling the fares in local cafes.","sameAs":["https:\/\/www.linkedin.com\/in\/ceri-stanaway-67200315\/?originalSubdomain=uk"],"url":"https:\/\/www.finder.com\/uk\/author\/ceristanaway","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/car-insurance\/car-rental-excess-insurance#comment-6736","author":{"@type":"Person","name":"Anne"},"text":"Do you know of an insurance company who will insure us driving an Avis  Hire Car in Capetown, so that it will bring  our excess down to Zero.   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