If you’re planning on renting a car for your next trip, you may have heard of car hire excess insurance. This type of insurance can protect you from paying a large excess fee if you’re involved in an accident or if the car is damaged. AXA is one of the insurance providers that offer car hire excess insurance, and in this article, we’ll take a closer look at what it is and what it covers.
What is Car Hire Excess Insurance?
When you rent a car, there is usually an excess fee that you’ll need to pay if the car is damaged or stolen. This fee can be quite high, and it’s often not covered by the basic insurance that comes with the rental. Car hire excess insurance is designed to cover this excess fee if something happens to the car.
What Does AXA Car Hire Excess Insurance Cover?
AXA car hire excess insurance covers a range of things, including:
- Accidental damage to the rental car
- Theft of the rental car
- Damage to the windows, tyres, and undercarriage
- Loss of keys
- Personal accident cover for the driver and passengers
It’s important to note that AXA car hire excess insurance does not cover any damage that is caused intentionally or as a result of reckless driving. It also doesn’t cover any damage that occurs while the driver is under the influence of drugs or alcohol.
How Much Does AXA Car Hire Excess Insurance Cost?
The cost of AXA car hire excess insurance can vary depending on a number of factors, including the length of your rental, the type of car you’re renting, and where you’re renting from. However, you can expect to pay around £6 per day for a standard policy.
How Do You Buy AXA Car Hire Excess Insurance?
You can buy AXA car hire excess insurance from a number of different sources, including:
- Directly from AXA
- From the car rental company
- From a third-party comparison site
It’s important to compare prices from different sources to make sure you’re getting the best deal. You should also read the policy carefully to make sure you understand what is and isn’t covered.
Do You Need AXA Car Hire Excess Insurance?
Whether or not you need AXA car hire excess insurance depends on your individual circumstances. If you have your own car insurance policy, it may cover you for rental cars as well. However, you should check with your insurance provider to make sure.
If you don’t have car insurance, or if your policy doesn’t cover rental cars, then car hire excess insurance can provide you with peace of mind and protect you from unexpected expenses.
The Bottom Line
AXA car hire excess insurance is a useful product that can protect you from paying a large excess fee if something happens to your rental car. It’s important to read the policy carefully and compare prices from different sources to make sure you’re getting the best deal.
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