What is the excess?
Most rental prices outside the US include basic damage and theft cover, often called a Collision Damage Waiver (CDW) and theft protection. But you remain responsible for the first part of any claim: the excess (called the deductible in the US). It can run to well over a thousand pounds, dollars or euros, and is usually held as a deposit on your credit card.
Ways to reduce the excess
- Cover at the rental desk (often called super CDW or zero-excess cover): reduces the excess to zero or a small amount and usually lowers the deposit. Simple, but often the most expensive option.
- Cover from the broker when you book: you usually pay the rental company first if there’s damage, then claim it back.
- Standalone car hire excess insurance from a specialist insurer, per trip or annual: often much cheaper, but you still pay the rental company and claim back, and the desk will still hold the full deposit.
Check what each option covers: tyres, windscreens, roofs, undersides, keys and towing are common exclusions.
Renting in the US
US rental prices often don’t include damage cover. The rental company will offer a Loss Damage Waiver (LDW/CDW) and supplemental liability insurance. Your own car insurance policy or the credit card you pay with may already cover rental cars; check before you travel. Packages booked from the UK or Europe for US rentals often include these covers in the price.
Deposits and inspections
Bring a credit card in the main driver’s name: many companies don’t accept debit cards for the deposit, or ask for more checks if you use one. Before driving away, photograph or film the car, including wheels and windscreen, and make sure any existing damage is on the paperwork. Do the same when you return it.
Last updated: 16 October 2026
