When you hire a car, the rental price will usually include insurance which covers you for accidents and theft. However, if your rental car is damaged or stolen, you may still have a large excess to pay. When you collect your rental car, the rental company may offer their own additional insurance which will reduce your excess to zero. However, this could be very expensive and may only be available at the rental counter. Buying ahead with Direct Car Excess Insurance could offer you a cheaper deal and provide you with peace of mind that your excess charges will be reimbursed if you have an accident or if your rental car is stolen. Direct Car Excess Insurance will also cover you for damage to tyres, the windscreens and undercarriage which are usually excluded from the rental companies insurances. We also cover you for stolen baggage, rental key replacement costs and Personal Accident.