Avoid car insurance hire scams in 2025 with these tips
Hiring a car on holiday should be straightforward, but many travellers are being caught out by sneaky insurance add-ons that inflate the cost and offer little extra protection. With scams still cropping up in 2025, it’s important to know what to look out for before you reach the rental desk.
Understanding the problem with car hire excess insurance
Most car rental agreements come with basic insurance, but this usually includes a hefty excess – the amount you’d need to pay if the car is damaged or stolen. Some companies take advantage of this by selling expensive add-ons, like excess waivers or collision cover, that might not be needed. The issue is that these options are often presented in a confusing or pressurised way, making it hard for customers to know what’s genuinely necessary.
Common tactics to watch out for
Travellers have reported being told their pre-purchased insurance wasn’t valid, or that they’d be fully liable unless they bought extra cover there and then. Some rental firms also push overpriced extras like roadside assistance or SatNav hire, despite more affordable alternatives being available.
How to protect yourself before and during your trip
The best way to avoid being caught out is to arrange car hire excess insurance from a trusted third-party provider like www.moneymaxim.co.uk/insurance/vehicle-hire/car-hire/excess-insurance/ before you travel – this is usually much cheaper and more comprehensive than what’s offered at the desk. Read the rental terms carefully, so you know what’s already included, and don’t be afraid to decline extras you don’t want. When picking up the car, take photos of any existing damage, and always keep a copy of the agreement for your records.
Helpful resources and advice
There are plenty of consumer guides that can help you make informed choices about hiring a car. Checking reviews, using comparison tools, and researching policies in advance can save you time, stress and money. The RAC has a handy checklist regarding car hire.
A little preparation can go a long way in helping you avoid costly car hire insurance traps.
