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Simply excess offers easy, affordable car hire excess insurance, providing peace of mind for your rental journeys across the UK.
SimplyExcess has been awarded a Which? Best Buy recommendation for Car Hire Excess Insurance, recognising its competitive cover, value and customer experience. Combine this with our competitive commission structure and exclusive publisher opportunities. Also recognised as Car Rental Insurance Provider of the Year 2026 (BFSI Insider) and Best Car Hire Excess Insurance Company 2025 (SME News).
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SimplyExcess is a leading provider of affordable car hire excess insurance in the UK, dedicated to making your car rental experience stress-free. We understand the common frustrations associated with rental car insurance, from hidden costs to complex terms. Our mission is to offer transparent, easy-to-understand policies that provide comprehensive protection without breaking the bank. With SimplyExcess, you can secure robust coverage in just a few clicks, leaving you free to enjoy your travels with complete peace of mind.
Our policies are specifically designed to cover the excess charges that often accompany standard car rental insurance. While rental companies provide basic coverage like Collision Damage Waiver (CDW) and Theft Protection, they typically leave you liable for an excess fee, which can be substantial. SimplyExcess offers a smarter, more economical alternative, covering these excess costs and often extending to parts like tyres, windows, roof, and undercarriage that are frequently excluded by rental firms. We provide flexible options, from single-day cover to longer-term policies, ensuring you get the right protection for your needs.
At SimplyExcess, we believe in doing business responsibly. We are actively committed to sustainability, partnering with environmental organisations such as Tree-Nation, Ecologi, and MakeItWild. We integrate environmental consciousness into our services, even offering attractive discounts on our single trip policies for customers who opt for electric or hybrid car rentals. By choosing SimplyExcess, you're not only protecting your finances but also contributing to a greener, more sustainable future for travel.
Securing your car hire excess insurance with SimplyExcess is incredibly easy. Our user-friendly website allows you to get a quote and purchase your policy quickly, without the need for lengthy forms or complicated processes. In the event of a claim, our online system is equally straightforward, ensuring a swift resolution so you can get your money back without unnecessary delays. Experience the convenience of modern insurance with SimplyExcess.
SimplyExcess is committed to sustainability, partnering with Tree-Nation, Ecologi, and MakeItWild. We integrate environmental consciousness into our services and incentivise clients to opt for electric and hybrid car rentals with enticing discounts on single trip policies.
SimplyExcess policies cover the excess charges you would be liable for in the event of damage or theft to your rental car. This often includes parts like tyres, windows, roof, and undercarriage, which are typically excluded by standard rental company insurance.
If your rental car is damaged, you will first pay the excess charge to the rental company. You can then submit a claim to SimplyExcess through our online claims process, providing the necessary documentation, and we will reimburse you up to your policy's cover limit.
Yes, provided you have a signed car rental agreement in place for the loan car. This confirms you as an acceptable customer. However, you would not be covered if the loan car is insured by your personal car insurance rather than the garage/dealership.
SimplyExcess offers a more affordable option compared to rental company policies, which can cost £10-£20 per day. Our policies also often provide more comprehensive coverage, including parts like tyres, windows, roof, and undercarriage, which rental companies frequently exclude.
No, at the moment SimplyExcess is unable to offer cover for van rentals.
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Last updated: June 2026
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