Republic of Ireland
Car Hire Excess Insurance
from €2.22/day
Irish Residents: save over €330 by avoiding expensive excess waivers
Over 400,000 customers protected
Get covered online in just 3 minutes
No permission needed from rental company
What is Rental Car Excess?
All car rentals include basic insurance cover – you wouldn’t legally be allowed
to drive without it. But if the car is damaged or stolen, you could end up paying
thousands of euros before the insurance coverage kicks in.
The amount you’re responsible for paying before insurance covers the rest is called the excess, or sometimes the deductible.
So if your basic insurance has an excess of €1500, you’re on the hook for paying up to €1500 in the event of damage or theft.
What is Car Rental Excess Insurance?
Car Rental Excess Insurance eliminates the excess entirely, meaning any collisions, theft or accidental scrapes are fully taken care of.
This is something that all car hire companies offer – you’re probably seen it called something like super cover, advanced protection, collision damage waiver or similar. This added insurance incurs a daily fee you pay to the rental company.
Here’s what your rental company won’t tell you…
You don’t have to buy this insurance from them. This is how they get away with charging more than 8x as much for car rental excess insurance than it costs with us.
While your rental company might charge you €25 per day, our single trip policies start from around €2.22 per day.
Are we really 8x cheaper?
Actually… we could save you even more.
Take a look at the price of rental car excess insurance for a 14 day car rental from Madrid Airport.
€26.61
per day
€27.80
per day
€30.80
per day
€2.22
per day
That’s an average saving* of €330 over a two week period!
*The average saving is based on a 40 year old Irish resident renting a compact group c car from Madrid airport for 14 days commencing 2nd December 2024. Prices were obtained from six leading rental companies own websites on 25th November 2024 for the cost to reduce the damage excess to zero. The saving is based on the cost of a 14 day single trip silver cover policy for the same period. This is a representative saving only, actual prices and savings may vary.
.
Why doesn’t everyone use
C4R Excess Insurance?
Because most people assume their only option is to get insurance from
their rental company.
Aside from being much cheaper, the only difference with Cover4Rentals is that you’ll pay the rental company for any damages upfront, and then claim back the costs.
What do you need to tell the rental company?
Nothing at all.
You don’t need their approval, and – if you need us – we deal with you directly.
What cars can you hire?
To make it easy, you don’t even need to tell us the make and model of the car you’re hiring. Just make sure the car meets these specifications…
The rental vehicle must be:
- A car (including 4x4s intended for on-road use)
- with a maximum of 7 seats
- up to 10 years old (inclusive)
- and a retail purchase value of €65,000 or less.
It’s great when things are simple!
Step 1
Decline the expensive waiver at the desk and let them pre-authorise your card for the excess amount.
Check and record any existing damage, then relax and enjoy your trip knowing you’re covered by your C4R excess insurance policy.
Step 2
Step 3
Return the rental car and pay for any damage if required. Complete the online claims form and C4R will reimburse your excess quickly.
Gold
Silver
Your Policy Benefits
Reimbursed
We reimburse you up to €10,000 of rental car excess charges.
Flexible
Single trip and annual car rental excess policies available.
Loss of Use
Covering loss of use of the rental vehicle whilst being repaired.
Personal
Our policies include
cover for you and your possessions.
Extras
Includes damage to the tyres, windscreen, auto glass, and more.
Gold
Our gold cover includes business use and rentals in home country.