Insurance 4 Car Hire


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Welcome To Insurance 4 Car Hire

Founded in 2002 Insurance4carhire is an innovative online insurance company whose core business is the provision of car rental Excess insurance. Insurance4carhire is a low cost alternative to the expensive Excess Waiver charges offered by car rental companies. Insurance4carhire brings customers annual Excess insurance products offering convenience, peace of mind and significant savings when they are renting cars.

The business has grown rapidly and now offers products to cover Europe, US/Canada, Worldwide, Family & Partners and for 75-85 year olds.

Consistent endorsement in mainstream newspapers has been the cornerstone to growth. Click here to see what the press says about us. Most of our customers come back year on year, and referrals from our customers to their family and friends account for a large proportion of our business.

Insurance4carhire is an award-winning brand and in 2004 and 2005, we received the accolade of “World’s Leading Innovative Ecommerce Travel Product” from The World Travel Awards.

To reflect the increasingly global reach of our products, in December 2007, we changed underwriters to AIG UK Limited, part of American International Group, Inc., (AIG). AIG is one of the worlds leading insurance companies with operations in more than 130 countries. AIG UK Limited has been operating in the UK for more than 50 years and is one of the largest companies in the UK serving the insurance needs of UK individuals and businesses. AIG is authorised and regulated by the Financial Services Authority (FSA Number 202628). Claims are handled by AIG Travel Assist.

In December 2007 Insurance4carhire was acquired by the Towergate Partnership, the largest independently owned insurance intermediary in Europe. is a trading name of Towergate Underwriting Group Ltd which is authorised and regulated by the Financial Services Authority, Register Number 313250. The company is registered in England and Wales, Company No. 4043759. The Registered Address is: Towergate House, 2 County Gate, Staceys Street, Maidstone, Kent ME14 1ST.

We always want to hear from our customers and should you wish to find out more about our company and the products we have to offer, email us at or call us on + 44 (0) 20 7012 6300. Office Hours: Monday – Thursday 9.00am – 6.00 pm, Friday 9.00 am – 5.00pm. The website is available 24 hours a day.

Doing Good works with our customers and colleagues to raise funds for specific projects at four great charities which touch the lives of most people. As part of the Towergate Group, Insurance4carhire is supporting Towergate’s 4 nominated charities listed below. The Towergate Group pay all the charity administration costs. This ensures that 100% of every donation is channelled to the charitable causes through the Towergate Charitable Foundation. Please help us make a difference by adding a charity donation of just £1 to your insurance payment. Insurance4carhire is committed to supporting charities that are involved in delivering real projects that make a difference to people’s lives.

Product Range

Europe £49
This policy will give you peace of mind while renting cars in Europe for the next 12 months. It is valid for 31 continuous days for any one rental and, in common with all our Annual Excess Insurance policies, covers the policyholder and all additional drivers on the car rental agreement for multiple use throughout the year.

Excess Worldwide 31 - £59
This policy covers you worldwide for the Excess for one year. You can hire the car as often as you wish, but no one rental should be longer than 31 days.

Europe 75-85 - £65
Provides excess cover for clients aged 75 to 85 throughout Europe.

Excess Worldwide 60 - £69
A number of clients travel for long periods of time, especially to long haul destinations. We have responded by developing this worldwide policy which is valid for up to 60 days for any one car rental and again you can hire the car as often as you wish.

Excess Worldwide 75-85 - £75
Provides excess cover Worldwide for clients aged 75 to 85.

Europe Family and Partner - £79
Family members frequently travel separately. This Policy covers 2 family members (who must be: spouse, partner, parent, brother, sister, adult child or fiancé) travelling together or separately for up to 31 days for any one rental agreement. This policy provides a 20% discount on the alternative of buying 2 Europe policies for £49 each.

US Canada CDW/SLI - £109
This Combined CDW/SLI policy covers the USA and Canada for 31 continuous days for any one rental agreement.

Combined CDW/SLI & Excess - £129
Annual Policy covering SLI & CDW in USA & Canada and Excess worldwide.

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