Business Details
24 Years
experience
Emergency
services
Trusted Car Hire Excess Insurance Solutions
Founded in 2002, Insurance 4 Car Hire has established itself as a trusted provider of car hire excess insurance, now operating under Swinton Insurance. Our expertise spans over two decades, offering tailored policies that reimburse excess charges for damage, theft, and specific incidents like misfuelling. We prioritise transparency, ensuring no hidden fees, and provide coverage for up to seven additional drivers. Our policies include unique benefits such as roof, window, and tyre protection, which are often excluded by competitors.With flexible options for single-trip and annual multi-trip coverage, we cater to diverse travel needs across Europe, the USA, Canada, and Australia. Our customer-centric approach allows seamless online purchases and a 14-day cancellation window, reflecting our commitment to satisfaction. Backed by authorisation from the Financial Conduct Authority, we combine industry experience with accessible, reliable service.
Services
Europe Car Hire Insurance
Worldwide Car Hire Insurance
UK Car Hire Insurance
Australia Car Hire Insurance
Single-Trip Car Hire Insurance
Annual Multi-Trip Insurance
Misfuelling Cover
Car Key Cover
Flat Battery Cover
Late Pick-Up Charges
Details
- Year established: 2002
Highlights and features
- We offer 20+ years of expertise in car hire excess insurance.
- Our policies cover roof, window, and tyre damage excluded by others.
- Flexible single-trip and annual multi-trip options for global travel.
- Transparent terms with no hidden fees or catches.
- 24/7 customer support for policy assistance and claims.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Europe Car Hire Insurance
Reimburses excess charges for damage or theft of hire cars in European countries, including France, Germany, and Spain. Covers drivers aged 21-84, with options for single-trip or annual policies. Includes misfuelling, car key, and tyre damage cover up to specified limits.
Worldwide Car Hire Insurance
Provides excess protection for rental vehicles worldwide, including the USA, Australia, and Europe. Offers up to 6,500 annual coverage, with benefits like flat battery assistance and personal effects cover. Suitable for frequent travelers needing flexible trip durations.
UK Car Hire Insurance
Covers excess costs for UK-based car rentals, including damage from fire, theft, or vandalism. Policies start at 12.79 for single trips and 46.99 annually, with additional drivers and late pick-up charge coverage included.
Misfuelling Cover
Reimburses up to 500 per claim for damage caused by incorrect fueling. Available as part of standard policies, ensuring financial protection against common driving mishaps during international or domestic rentals.
Annual Multi-Trip Insurance
Fixed-cost coverage for multiple trips within a year, ideal for frequent travelers. Each trip can last up to 60 days, with benefits including car club rentals and comprehensive incident coverage across 12 months.
Questions
What does car hire excess insurance cover?
Our policies reimburse excess charges for damage, theft, misfuelling, and specific incidents up to £6,500 annually, with additional benefits like car key and tyre cover.
Can I buy cover after collecting my rental car?
No. Policies must be purchased before collecting the vehicle to ensure valid coverage for any claims.
Are additional drivers covered?
Yes. Up to seven named drivers on the rental agreement are included without needing to add them to the policy.
How do I make a claim?
Contact us via Live Chat or the Swinton website, providing details of the incident and proof of excess payment to initiate reimbursement.
Is off-road driving covered?
No. Claims arising from off-road driving, commercial vehicles, or vehicles over 20 years old are excluded.
Reviews (7)
James Baker
Nov 21, 2021
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Excellent service when you need it. Claim process online was very simple and quick response, no silly questions, paid out. Happy.
Lily Dai
Jul 21, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
The claim process was fast and easy, it took only 2 business working day to assess the claim and finalise the amount after I submitted the required documents. I am very satisfied with the purchase of this policy, definitely worth it. Strongly recommend!
The claim process was fast and easy, it took only 2 business working day to assess the claim and finalise the amount after I submitted the required documents. I am very satisfied with the purchase of this policy, definitely worth it. Strongly recommend!
Tim Howells
May 28, 2020
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Positive:Responsiveness
What a fantastic service they offer. I have an annual policy and have had to use it on numerous occasions due to incompetent car hire companies, even where the car hire company has clearly charged too much for minor damage. Claim submitted and paid into my bank in under a week! Great work. Recommended!
What a fantastic service they offer. I have an annual policy and have had to use it on numerous occasions due to incompetent car hire companies, even where the car hire company has clearly charged too much for minor damage. Claim submitted and paid into my bank in under a week! Great work. Recommended!
Hannah Dalgleish
Sep 03, 2019
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I rented a car for the first time and luckily someone recommended that I should get your insurance - I was charged 96 for a small scratch. The claim process was straight forward and I heard back in 3 days! Everything has gone through and I will be getting the money back shortly.
Joe Puskorius
Jun 03, 2019
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Got it and never looked back! I did have to make a claim when my car was broken into in Italy and the guys were helpful despite Europcar taking almost 2 months to produce the statement with all the charges. Will definitely be renewing my policy as this has already saved me hundreds of pounds.
Caroline Lahaise
Jun 01, 2019
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To be fairly honest, I was a little sceptical at first, thinking the annual premium to be so affordable that the claim procedure couldn't be anything but incredibly difficult and complex. But the company came recommended to me by a relative and I was sick and tired of paying the rental companies' extra insurance. Then it happened, had the smallest paint chip and was charged EUR193 by my rental. Was so surprised to receive a nice email within days that my claim had been accepted and not a day later the money had already been transferred to my account. Incredibly pleased and highly recommend anyone
KaminiI Armstrong
Aug 09, 2018
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I have purchased excess cover from you in the past. I found application simple and straightforward. Also efficient and prompt in dealing with a claim. I have recommended you to others and will continue to do so.
