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Car Hire Excess Insurance

Car Hire Excess Insurance

No hidden fees or credit card charges and great customer service

Questor Insurance has been providing value for money car hire excess cover since 2007. Our car hire excess policy provides benefits you will not get when purchasing excess waiver direct from the car hire provider.

What makes Questor Insurance unique: -

  • Outstanding customer service - see our TrustPilot reviews
  • Zero charge to use a credit card, change your policy or obtain a copy of the certificate
  • Support when you need to make a claim


  • You must be a permanently resident of the UK, Jersey, Gibraltar, Guernsey or the Isle of Man at the time of purchase of this policy. Click HERE if you live in the EU.
  • You must be aged 21 years old or above.
  • Hold a valid internationally recognised driving licence or permit for the hire vehicle. This must be valid in the country in which you are hiring the car.
  • Hiring a car, defined as a vehicle up to 9 seats including the driver, valued not more than £100,000 and less than 20 years old.

Buying Options

  • Cover a single car hire agreement up to 180 days please purchase Daily Car Hire Excess Policy or;
  • Cover multiple trips up to 31 days per rental, with an option to extend to 62 days, please purchase Annual Car Hire Excess Insurance

What's covered under this car hire excess insurance

  • A £10,000 limit for damage to your hire car (inner limits do apply and will be shown on your certificate of insurance).
  • Includes cover for the excess, tyres, windscreen, under body, towing and loss of use plus other benefits
  • Options to tailor your policy including Collision Damage Waiver (CDW), Extended Rental, Dual Lead Driver and Battery Replacement

Where are you covered when you buy this car hire insurance policy

  • United Kingdom and Europe or;
  • Worldwide

What’s excluded under this car hire excess policy

  • The annnual rental policy will not cover you, for any loss arising from driving as your occupation or profession please purchase a Daily Car Rental Cover instead.
  • Any hire agreement that has already commenced.
  • The hire of a van, motorhome and minibus.
  • Any loss or damage to another person's property or death or injury to any person.
  • Continuous car subscription contracts

Please read the policy wording for a full list of all exclusions relating to this policy


This policy will not cover the hire of a van, motorhome or minibus

Important Information

All persons to be covered under this policy are:

  • Aged 21 years or older.
  • Hold a valid internationally recognised driving licence or permit for the hire vehicle. This must be valid in the country in which you are travelling.
  • Not renting a motorcycle, commercial vehicle, camper van or mini-bus with more than 9 seats
  • A permanent resident of the UK, Jersey, Gibraltar, Guernsey or the Isle of Man at the time of purchase of this policy.
  • This policy covers cars with a maximum of 9 seats (including the driver), with a maximum value of £100,000 at the hire agreement’s start date and is a maximum of 20 years old since the date of first registration.

Additional Information:

  • This policy is operative when the Policyholder or any other person named as lead driver on the certificate of insurance is shown as the lead driver on the car rental agreement
  • Only rentals starting and finishing during the period of insurance are covered.
  • This insurance excludes rentals that have already commenced.
  • This insurance is only available to persons permanently resident in one of the countries listed below.
  • The contract of insurance is subject to UK jurisdiction.
  • All policies are liable for Insurance Tax as legislated for in your home country see below.
Gibralter 0%
Guernsey 0%
Isle of Man 0%
Jersey 0%
United Kingdom 12%

Claim Procedure

Our claim handlers, Orchard Administration have set up an online submission process to make it quick and easy to submit your claim. Please go to to submit your claim. You will need your log in details from our customer portal, MyQuestor and your policy number. If you are not connected to the Internet please call Orchard Administration on +44 (0)333 3230 095.

We are here to help

If after submitting your claim you encounter any service issues please feel free to contact us. Our staff have access to the claim systems and we can exert pressure to move matters along.

Riverside Underwriting Limited is registered in England and Wales (06201617). Registered address: Bryant House, Bryant Road, Strood, Rochester, Kent, ME2 3EW. Authorised and regulated by the Financial Conduct Authority (FRN 466942). This insurance is provided by Riverside Underwriting Limited which is registered in the UK, and is underwritten by Fortegra Europe Insurance Company Ltd (Malta Company Registration Number C 84703).

Fortegra Europe Insurance Company Ltd is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business, is regulated by the Malta Financial Services Authority of Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta, and is deemed authorised by the UK’s Prudential Regulation Authority. Fortegra Europe Insurance Company Ltd is subject to regulation by the UK’s Financial Conduct Authority under reference number 805770, and is subject to limited regulation by the UK’s Prudential Regulation Authority.

The policy is administered by Riverside Underwriting Limited. Riverside Underwriting Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference: 466942. Riverside Underwriting Limited.

There are two products available:

  • Daily - Insures a single car rental agreement up to 180 days in length
  • Annual - Insures unlimited car rental agreements in the year subject to no single rental being more than 31 days in length, can be increased to 62 days for an additional premium.

Dual Lead Driver

Allows two persons named on the certificate of insurance as lead drivers to rent cars independently when you purchase an annual policy. Both persons must be close residents permanently resident at the address shown on the Certificate of Insurance and are deemed as joint policyholders.

Extended Rental Cover

Extends the any one trip limit from 31 days to 62 days on annual policies.

Battery Failure

Covers you for any costs relating to replacing the battery on the hire car's battery during the rental period.

Collision Damage Waiver Insurance

Upgrade your policy to cover for full collision damage waiver increasing the cover from £10,000 to £75,000 for any loss or damage to the hired vehicle.


Means all countries which are members of the EEA: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom. And countries to the west of the Ural Mountains, including, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, and the Azores.


Anywhere in the world apart from Afghanistan, Belarus, Cuba, Conga, Iran, Iraq, Ivory Coast, Liberia, Myanmar, North Korea, South Sudan, Sudan, Syria and Zimbabwe. No cover is provided for claims arising as a direct result of a situation highlighted by the Foreign and Commonwealth Office where you have hired a vehicle in a specific country or area where, prior to the vehicle hire agreement commencing, the Foreign and Commonwealth Office has advised against all (but essential) travel.

When purchasing an annual insurance policy, customers can select an option to automatically renew their policy each year, meaning that they have peace of mind knowing that they have continuous cover in place. If selected, the customer’s policy will automatically renew unless the policyholder has previously advised us that they do not want this policy to be renewed, or at renewal they have advised us that they no longer wish to renew this policy, or they are no longer eligible for cover.

We will still write to the policyholder prior to the expiring policy’s renewal date to remind them that this policy is due to be renewed and confirm the renewal premium. We will also highlight if the renewal premium has changed or there have been changes made to the terms and conditions of their policy.

Renewal premiums will again be collected from the specified credit or debit card that was originally used when setting up their policy.

We are entitled to assume at renewal that the policyholder’s details have not changed and they have the consent of the credit or debit card holder, unless the policyholder informs us otherwise. We will through our administrative bank, charge the payment details to the credit or debit card held on record for the renewal premium due.

  • Policyholders should also be aware that we can only automatically renew this policy when:
  • they have made us aware of any changes to their circumstances and/or information previously provided, if any;
  • the credit or debit card details we have on record have not changed; and

the credit or debit card holder has given his or her consent for his or her card being charged at renewal.

If we are unable to auto-renew this policy (for example, due to payment card failure) or if the policyholder no longer meets the eligibility criteria for auto-renewal, we will notify the policyholder of this at least 14 days prior to the renewal date.