Car Hire Excess Insurance

Don't pay unnecessary excess fees!

Get an online quote today and see for yourself how we can save you money!

The Fantastic Benefits of our Car Hire Excess Cover

Save money and be covered for your car rental’s excess by purchasing Car Hire Insurance from AIG starting from €0.14* per day! AIG's Car Hire Insurance (Car Hire Excess) provides a reimbursement of the excess applied to your car rental agreement that is both value for money and offers you the best possible coverage.

Protection for less

Be smart and avoid large fixed excess costs at just 14c[1] a day.

Complete reassurance

Covers damage to wheels/tyres, windscreen, undercarriage and even roof!

Two cover choices

With both a daily or annual rate on offer, you can choose what works best for you.

[1] Price of €0.14 per day is based on an individual aged 21-84 purchasing an Annual Excess Only policy (annual premium €49.99). Example correct as of 21/11/2023.

How Does Car Hire Excess Work?

Get Your Policy from AIG

Pick up your Car Hire Excess policy before you leave. Pick between an annual or single trip policy.

Say "No" at the Desk

Say "no" to typically marked up excess insurance cover from your car rental desk.

Enjoy Your Trip

Enjoy your trip with peace of mind that you're protected from large excess fees.

Claim Quickly & Easily

Claim any excess you may have been charged on your Car Hire back from your AIG policy. Simple!

As an example, if you purchased an AIG Car Hire Excess insurance policy and the car rental company had an excess of €250 and you had an incident in your rental car, the cost to you would be €250 and then the rental company would pay the rest of the claim's cost. With your AIG policy, that €250 could be claimed back to you, not leaving you out of pocket.

Protect yourself from sky-high car hire excesses

Protect yourself from high excesses when hiring a car abroad with car hire excess insurance from AIG. Arranging car hire excess insurance online could not be easier. There's even a help feature if you are unsure of anything. Just choose the insurance cover that best meets your needs and buy online in just a few minutes!

What is Car Hire Excess?

When you are travelling and you rent a car, the hire price normally includes insurance covering you for accidents and theft. Unfortunately you may also have to pay a large excess if the hired car is damaged or stolen. Often when you pick up the car you've hired the car rental company will offer you the option of upgrading your insurance to minimise or remove the excess cost but this is usually expensive and is normally an unexpected extra cost to your holiday. Car Hire Excess is a reimbursement policy which is designed to help you avoid these large excess costs.

Find out about excess and other insurance terminology here.

Why AIG Car Hire Excess Insurance?

If you are planning on renting a car on any holiday you are taking this year, be sure to avoid harsh excess costs with AIG's Car Hire Excess insurance allowing you to enjoy your drive abroad without worrying about the potential excess costs of any damage done while you are taking in the foreign scenery.

Free Personal Accident Coverage

Up to €40,000 cover as standard so you can avoid worry while driving abroad.

More than one driver?

No problem, we offer cover for up to 5 named drivers on the rental agreement

Well Rounded Cover

We've got you covered for fire, theft, vandalism, your personal items and keys.



Frequently Asked Questions

You can find a list of our most frequently asked questions on our FAQ page. 

Our insurance policies do not cover travel to or through Cuba, Iran, Syria, North Korea or the Crimea region, or countries where the Department of Foreign Affairs have allocated  a security status of 'avoid non-essential travel' or 'do not travel'.  Other exclusions and conditions may apply so please check the Policy Wording for details.

Policy Documents

You can find our Car Hire Excess Insurance Policy Document and IPIDs including all our historical versions, by following the link below.

Have A Question?

You can contact our customer service team between 9am - 5pm on 1800 344 455. If you need help with your existing policy or are looking to renew, you can find all your relevant information on our Existing Customers page.

Our Customer Reviews


A got a prompt and efficient service.

- Patrick, January 2023


Support Staff always accessible and helpful whenever I make contact with AIG

- James, June 2023


Very knowledgeable and efficient staff. Very rapid process to set up policy.

- Paul, June 2022

Independent reviews from Feefo. Read all reviews here.


Explore Our Car Hire & Rental Tips

Know more and make better choices - find useful tips and ideas on our blog!

Car Rental Essentials

Car Rental - 7 Must Know tips

Whether you holiday at home or abroad this year, if you plan to hire a car, avoid these car hire mistakes and save time and money while you are away.

Car Hire Excess

Is Car Hire Excess Insurance Worthwhile?

If you don’t want to spend up to €1,000 of your holiday budget on car hire excess fees, then yes, car hire excess insurance is worthwhile. Excess insurance is relatively cheap and could save you from a big pay out.

Car Rental Essentials

8 Tips For Cheaper Car Rental this summer

Renting a car can be expensive and confusing. Complex rental agreements coupled with persuasive sales assistants, offering a wide-range of add-ons, can double the cost of your car this summer.


Terms and Conditions:

[1] AIG Car Hire Excess from 0.14c. Price of €0.14 per day is based on an individual aged 21-84 purchasing an Annual Excess Only policy (annual premium €49.99). Example correct as of 21/11/2023.

[2] Our insurance policies do not cover any loss or damage arising from any journey in, to or through Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Lebanon, Liberia, North Korea, Myanmar, Sudan, Syria, The Balkans, Zimbabwe or the Crimea Region. Other exclusions and conditions may apply so please check the Policy Wording for details.



• Our products are available for Ireland residents only.

• You must be 18 years or over to purchase a policy.

• Collision Damage Waiver or Loss Damage Waiver may be required.