USA & Canada Car Hire Excess Insurance

What does this policy cover?

What's included

Below is a summary of the key features and benefits of our car hire excess policy.

For full details, please see the policy wording

The excess on damage and theft up to a maximum of £6,500 cover in total, per year
Drivers aged between 21 and 85 inclusive
Cover for up to seven additional drivers (so long as they’re named in your rental agreement) There is no need to add them to your insurance4carhire policy.
Rental periods of up to 60 consecutive days
Collision Damage Waiver: up to $100,000, or the value of the rental vehicle or the value of the claim (whichever is the less)
Supplemental Liability Insurance: up to $1 million. However, in the US, you’re covered up to $250K if the state law deems this policy to provide primary liability coverage
Cover for your courtesy car (the vehicle loaned to you while your rental car is being repaired), or if your own car is in the garage and you’re given a courtesy car).

What's not included

Below are some of the key exclusions you need to be aware of.

Full details can be found in the policy wording.

Car rentals in which the insurance4carhire policy holder is not the lead driver on the rental agreement
Policies purchased after the collection of your rental vehicle
Cars worth more than $100,000 or over 10 years old
Cover for off-road driving
Commercial vehicles, motorbikes, camper vans, mobile homes, vans or any vehicle with more than nine seats. For van hire excess insurance, visit our van hire excess insurance page
Cover for policyholders that are not residents in the UK or the Isle of Man

View policy document

Watch our animation on why you should take our car hire excess insurance:

USA & Canada Car Hire Excess Insurance FAQs

USA and Canada Car Hire Excess Insurance Plus CDW and SLI is a policy which covers your car hire excess, in addition to providing Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI). If you’re hiring a car abroad (mainly US or Canada), you may need additional CDW and SLI coverage – it’s best to check your rental insurance to see if this is covered. If it isn’t, our Annual Worldwide Plus policy can provide this.

These terms are all interchangeable and mean the same thing as an 'excess'.

A Loss Damage Waiver (LDW) is just another way of saying Collision Damage Waiver (CDW).

Supplemental Liability Insurance (SLI), also known as Accident Liability Insurance (ALI), provides cover in the case that you injure other drivers or their vehicles. This tends to come as standard with car rentals in Europe, but in countries such as the USA and Canada, it often isn't included in your car rental. Our policy offers SLI for customers driving in USA, Canada, the Caribbean, Mexico, South and Central America only.

All car rentals include some insurance as standard, with an excess to pay towards car repair or replacement costs, should you need to make a claim. Car hire excess insurance will cover you against this cost. However, in some countries such as the USA and Canada, Collision Damage Waiver (CDW), which is often included as standard in Europe, is not included, meaning that if you were to damage the car, you would be liable for the full cost of repairing or replacing it. This policy combines excess insurance, CDW and SLI in one policy.

Protect yourself with the UK’s most popular car hire excess insurance provider (by online traffic share 2019).

Coronavirus (Covid-19) – Update for insurance4carhire customers

While the scale and impact of the current coronavirus (Covid-19) outbreak remains unknown, insurance4carhire, part of The Ardonagh Group, has been working for some time to prepare for all potential outcomes for our business. We have a range of plans in place across The Ardonagh Group to serve the needs of our clients without interruption, while protecting the health and safety of our colleagues and other stakeholders.