Say no to expensive excess waivers.
Save money with Van Hire Excess Insurance!
Get a standalone single trip van hire excess insurance policy from just £2.87 per day and save against costly van hire desk excess waivers^
^The average cost of a 41 year old purchasing a ReduceMyExcess 30 day van hire excess insurance policy from the 14th January 2026. This is a representative cost only, actual prices and savings may vary.
Van Hire Excess Insurance
Our Which? Best Buy Van Hire Excess Insurance is ideal for those renting a van.
VAN HIRE EXCESS COVER
From £2.87 / day^
Covers you for one or more consecutive van rentals for up to 30 days, with a total excess reimbursement of up to £10,000.
What’s included as standard?
- £10,000 maximum excess reimbursement
- Up to 30 day per individual trip length, with one or more consecutive rentals
- Up to 8 additional named drivers
- Tyres, windscreen, undercarriage
- £1000 misfuelling
- £1000 towing costs
- £1000 road rage & car jacking
- £500 key cover & lock out
- £300 curtailment of rental
- £300 drop off charges
- Loss of use
Key Exclusions & Eligibility Criteria
This policy is not suitable for you if any of the following apply. You are:
- Using the rental vehicle for business purposes, including the carriage and transportation of goods
- Any rentals from Green Motion (all other rental companies are accepted)
- Any Vehicle that is not a van
- Vehicles with more than 9 seats
- Vehicles with a purchase value of over £65,000
- Vehicles that are over 10 years old
- Driving off the Public Highway, including off-roading & Safaris
- Loss, damage or injury to third parties or their property
- Drivers aged under 21 or over 84
- Travelling outside of the UK
- Non-UK Residents (Channel Islands and Isle of Man residents also excluded)
Save money & stop paying hire company excess waivers
Hire companies will try to upsell you an optional excess waiver to reduce your excess to zero in the event of damage to the hire van.
However, these hire company excess waivers can more than double the cost of your van hire.
A policy from ReduceMyExcess is typically a fraction of the cost, saving you hundreds on your van hire, and keeping your excess fully protected.
ReduceMyExcess believe hiring a van should be simple
We know hiring a van is stressful, that’s why we’re making it easier.
Simply purchase your van hire excess insurance (excess reimbursement) policy, then refuse any hard-sell excess waiver fees at the hire desk knowing you’re already covered.
Need to know more?
Please read on…
Van hire excess insurance (also known as Excess Reimbursement Insurance) is a lot less scary than it sounds and if you ever have to hire a van, it could save you money in the process.
At its most basic level, our van hire excess insurance (a Which? Best Buy) is an insurance policy that you take out which allows you to be reimbursed the amount of excess you have had to pay to a van hire company if you accidentally damage your hire van.
Generally in the van hire industry, UK van hire agreements will usually automatically include CDW (Collision Damage Waiver), theft and third-party liability which covers the full value of the van and any damage to a third party in the event of an accident.
This means that if you end up damaging the vehicle, or causing damage to something else, you only need to pay out up to the excess limit, and the hire companies own insurance will cover the remainder. However, the excess alone can still amount to £1,500 or more.
Excess Reimbursement Insurance
With a policy from ReduceMyExcess we’ll reimburse the excess you’ve had to pay once you’ve claimed through us, meaning you shouldn’t have to pay a penny in excess at all.
And even better – you don’t have to take out the hire company’s expensive excess waiver, saving you hundreds on the cost of van hire straight away.
Van hire excess insurance isn’t mandatory, it’s not like vehicle insurance and it isn’t a legal requirement when you hire a van.
Having said that, what van hire excess insurance does give you is protection and peace-of-mind that should you cause any accidental damage to your hire van you can claim through us and not let it ruin your holiday.
In addition, having a ReduceMyExcess policy means you can refuse the hire company’s own excess reduction fees, which can add hundreds to the cost of van hire.
ReduceMyExcess are a Which? Best Buy insurer two years running, and Feefo Platinum Trusted Award five years in a row.
With over a decade’s worth of experience in the industry, here at ReduceMyExcess we pride ourselves on providing a low-cost alternative to expensive excess waivers offered to you by van hire companies.
Our goal is to consistently put our customers first and provide the best possible service we can, whilst constantly finding new ways to help you save money on van hire excess fees.
Our policies are underwritten by globally renowned insurers AIG who recently won “Outstanding Insurer of the Year” at the LifeSearch awards and operate in over 80 countries globally, so you know you’ll be in excellent hands.
Our van hire excess insurance is a single-trip policy that covers you in the UK for up to 30 days.
Multiple van hires will be covered as long as they are consecutive and within the dates outlined on your van hire excess insurance policy documents.
We know that van hire excess insurance policies can be confusing, especially if you’re new to them. That’s why we’ve put together some helpful guides about some of the main policy benefits when you take out cover from us:
- Tyres, Windscreen and Undercarriage Cover
- Family Cover
- Misfuelling Cover
- Key Cover
- Towing Costs Cover
- Using the rental vehicle for business purposes, including the carriage and transportation of goods
- Any rentals from Green Motion (all other rental companies are accepted)
- Any Vehicle that is not a van – this means pickups, trucks, trailers, motorhomes, campervans, caravans, motorbikes, non-passenger carrying vehicles, off-road and recreational vehicles*, buses, mini-buses, modified vehicles and mopeds are not covered. Vans must be covered by a ReduceMyExcess Van Hire Excess Insurance policy
- Vehicles with more than 9 seats
- Vehicles with a purchase value of over £65,000
- Vehicles that are over 10 years old
- Driving off the Public Highway, including off-roading & Safaris
- Loss, damage or injury to third parties or their property
- Drivers aged under 21 or over 84
- Trips outside the UK
- Non-UK Residents
*4x4s are covered for road use only. Off-road use is not covered.
Not a UK resident? Don’t worry, we have a site for EU residents too
ReduceMyExcess is for UK residents hiring a car or van. For EU residents hiring a car, please visit our sister-brand Cover4Rentals.
ReduceMyExcess covers a wide range of hire vans
We cover the excess on hire vans up to the value of £65,000, no older than 10 years and with no more than nine seats.
In addition to damage, we also cover windscreen, tyres, undercarriage and administration costs that you may be charged against your excess.
Cars can be covered separately with our single or annual trip car hire excess insurance policies.
Van hire excess insurance policy features
Standard cover limit of up to £10,000 for excess reimbursement (including admin fees).
How do I add additional drivers to my policy?
You don’t need to tell us or change your policy with us in anyway to cover additional drivers for your hire vehicle.
As the policy holder, as long as you are the lead driver on your hire agreement, up to eight additional named drivers on your rental agreement will automatically be covered by your policy.
The cover includes damage to the tyres, windscreens, all auto glass, undercarriage, misfuelling and towing costs of the rental vehicle.
Covers up to £1,000 towards costs if you put the wrong fuel into the rental vehicle.
What are towing costs for a hire van?
Towing costs are as simple as they sound, they’re essentially and amount of money to have to pay a recovery company to collect your stricken hire van.
They can vary drastically in amounts depending on which country you use and what kind of recovery company you use.
When would I have to pay towing costs for a hire van?
You’ll often pay them up front, or even before the recovery vehicle has assisted you.
How can I get reimbursed for hire van towing costs?
Once your rental period is over, you can begin claiming back any towing costs through our claims process up to a total of £1000.
Make sure you keep all records of what you paid including receipts and/or invoices from any recovery agents.
What are the exclusions?
Unfortunately we can’t cover towing costs if it isn’t as a result of an accident, damage to the van or a breakdown.
Towing costs will only be covered as long as the van is taken to the van hire company premises or your pick-up location, whichever is closest. If you get towed anywhere else then those costs incurred won’t be deductible.
For those situations that become out of your control, you’ll be covered for third party road rage and carjacking up to £1,000.
In relation to van hire excess insurance, key cover is the benefit of being reimbursed the amount charged by the hire company if you lose your van keys or have them stolen.
Van key insurance cover provides peace of mind when renting a car abroad, as you know that if you get locked out of your van, misplace the keys or suspect they have been stolen, you will be able to claim back the costs and not end up out of pocket.
When you take out a policy with ReduceMyExcess, van key insurance cover is included.
How does hire van key insurance work as part of van hire excess insurance?
Key cover, like many other aspects of van hire excess insurance, works on a reimbursement basis. You’ll be due back any costs incurred as a result of you or any additional drivers being locked out of your rental vehicle as well as costs due for replacing lost or stolen keys.
You will be able to reclaim this money once you’ve returned your rental vehicle and your hire period has finished. So make sure you keep any receipt or invoice that shows the amount you had to pay in order to gain access to your rental car.
What does hire van key insurance cover as part of car hire excess insurance?
- The cost of emergency car key replacement (up to £500)
- Locksmith charges (up to £100)
What doesn’t it cover?
If your car key replacement costs more than £500, or the locksmith charges are more than £100, you will not be able to fully recoup your losses.
For additional drivers to also benefit from key cover they will need to be named on the car rental agreement and be between the ages of 21 and 84.
What do I do if I’ve lost my hire van key?
Don’t panic!
It can seem like a terrible and hopeless situation to be locked out of your van but it will get sorted.
The first thing to do is phone your van hire company as not only do you need their permission to have the van broken into by a locksmith, but they can also assist with arranging a locksmith for you.
All van hire companies have spare keys for their vehicles and so after your locksmith has been called and gained access, you should drive directly to where you collected the van from and acquire a spare key. You may be charged now for the spare key, or at the end of your rental contract.
Either way, make absolutely sure that you record every payment that you’ve been charged. You can then use your lost van key insurance to claim it back from us afterwards.
If you have to return your vehicle early due to illness or another emergency, then you’ll be reimbursed up to £300 for the days you lose.
If, due to an accident or illness resulting in your hospitalisation, you need to return your van to a different branch to the one you picked it up from, you’ll be covered up to £300 towards the charges incurred from this.
Covers for the loss of use of the rental vehicle, whilst its not available to hire, due to damage.
Testimonials
How it works
1. Start a quote
Single trip cover for up to 30 days
2. Get insured instantly
Get covered fast and join a community of 250,000+ customers, backed by AIG
3. Drive with confidence
Protect your excess and save hundreds on the cost of van hire at the same time
Check out our prices
Protect your wallet with ReduceMyExcess