MyRentCar explains

Rental car insurance and excess: what should you check?

Before booking, identify the maximum excess, the damage types excluded from standard cover and whether an optional product reduces the amount at the desk or reimburses it later. These products can work differently, so read the offer wording rather than relying on a label such as “full cover.”

Written and reviewed by the MyRentCar editorial teamUpdated: 18 July 2026

At a glance: what to check before booking

  • Find the maximum excess
  • Read exclusions for glass, tyres and underbody
  • Distinguish reduced excess from reimbursement
  • Keep documents and photos until the case is closed

Three terms that should not be confused

Collision damage cover may limit liability for vehicle damage, theft protection addresses theft, and the excess is the amount that can remain payable. Exact definitions vary by contract.

An additional product may reduce the excess at the desk or reimburse eligible charges after a claim. The payment and documentation process differs, so verify who provides the product.

Exclusions that change the picture

Glass, tyres, wheels, roof, underbody, keys, towing and incorrect fuel are common areas to review. Negligence, prohibited roads and unauthorised drivers can also invalidate cover.

Do not assume a marketing name overrides the detailed terms. Read the exclusions, claim procedure and required evidence before confirming.

At pickup and after an incident

Photograph existing damage, confirm it appears on the handover record and keep every document. If an incident occurs, follow the supplier’s reporting process and contact the required authorities or insurer within the stated time.

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Focused answers

Frequently asked questions

What is the rental car excess?

It is the amount you may remain liable for after covered damage or theft, subject to the contract and exclusions.

Does “full cover” mean every event is covered?

Not necessarily. Always read the exclusions, limits and claim process attached to the specific product.

Should I photograph the car?

Yes. Photograph every side, glass, wheels, interior, mileage and fuel at pickup and return.

Sources and review

This guide uses official sources and is intended for initial planning. Rules, prices and supplier terms can change; verify current information and the selected offer before booking and travel.