Car rental: Cleverly reduce excess
Protect yourself from high costs due to rental car damages. With nextsure's excess reduction insurance, you can drive more relaxed and safer worldwide.
Comprehensive protection against high excess costs in the event of damage.
Valid worldwide for worry-free car rental journeys.
Simple online completion and transparent terms.
What is a rental car CDW reduction insurance and why is it useful?
Eliminates or reduces your financial deductible in the event of damage.
Often also applies to damage to glass, tyres, roof, and underbody.
Independent of the rental car company, often cheaper.
Ensures financial planning and relaxed driving.
The Importance of Excess Reduction: Protection Against Unexpected Costs
A car hire excess reduction insurance, also known as an excess waiver insurance, is an essential protection for any car hire user. In the event of damage to the hire vehicle or theft, this policy covers the excess amount that would otherwise need to be paid out of pocket. Often, the excess amounts in car hire agreements are set very high – sums of several hundred to over a thousand Euros are not uncommon. This protection covers a significant financial gap that remains with the rental company's standard comprehensive insurance. Particularly abroad, where traffic rules and driving conditions can be unfamiliar, such insurance offers an indispensable safety net and saves you from unpleasant surprises when returning the vehicle.
Travel worry-free
Our services for your rental car security
Safe Worldwide
Comprehensive protection, no matter where your journey takes you.
SB exclusion
Reduce your excess to as little as 0 euros.
Digital Fast
Complete online in minutes and be protected immediately.
Without waiting
Insurance coverage from day one, with no waiting period.
Glass/Tyre
Coverage also for frequently excluded damage to glass and tyres.
Underbody protection
Protection against costly damage to the vehicle's underbody.
Farewell to Theft
Waiver of the excess even in the event of vehicle theft.
Flexibel
Bookable by the day or as an economical annual policy.
Top Price
Excellent value for money for your optimal protection.
Your shield against high excess costs – worldwide and hassle-free.
No more fear
against high rental car costs!
Who is a rental car excess reduction insurance particularly suitable for?
In principle, a rental car excess reduction insurance is recommended for anyone using a rental car – whether privately on holiday or on business trips. It is especially advantageous for drivers who frequently book rental cars, as annual policies often pay off from the second or third rental. It's also beneficial for those who value maximum cost control and want to avoid high deposit demands or potential excess payments. Fathers like Markus appreciate the added security on holiday trips, while digital-savvy users like Anna prefer the straightforward online application and transparent cost structure. Even for freelancer Tom, who occasionally rents a vehicle for projects, it offers flexible and cost-effective protection against unforeseen expenses.
Typical cases of damage: When does nextsure's deductible protection apply?
Nextsure's excess protection covers a wide range of damage incidents that can occur to the vehicle during the rental period. This includes typical accident damage from collisions, self-inflicted parking bumps, or damage caused by unknown third parties (hit-and-run). An important aspect often is the coverage of damage to glass (windscreen, side windows, rear window), tyres, rims, roof, and underbody, which are frequently excluded or come with high additional costs in standard comprehensive insurances offered by the rental companies. Theft of the vehicle or the theft of permanently installed vehicle parts is also covered. Always check the specific conditions of your tariff to understand the full range of benefits and to be optimally protected in the event of a claim.
Differences: Deductible Reduction vs. Comprehensive Insurance with No Excess Directly from the Rental Company
Many car rental companies offer their own fully comprehensive insurance without excess (often called "Super-CDW" or something similar). However, this is usually significantly more expensive than separate excess reduction insurance from a specialized provider like nextsure. Moreover, rental company policies often exclude certain types of damage such as glass, tire, or underbody damage, or only cover them with high surcharges. External excess reduction insurance often provides more comprehensive protection at better rates. Another advantage is independence: you can choose the car rental provider freely and are not tied to their insurance products. Therefore, before each rental, check the conditions and compare the costs – the savings can be considerable.
Scope and Duration: Flexibility for Your Travel Plans
The car rental excess reduction insurances from nextsure are characterised by their flexibility in coverage area and term. Generally, we offer worldwide protection, ensuring you're optimally insured for both domestic and international trips. Exceptions may apply for certain countries, but these are transparently detailed in the policy conditions. Regarding the term, you can choose between policies for a single rental (calculated daily) or annual policies. The latter often become worthwhile from two or more rentals per year, providing continuous protection without the need for a new conclusion before each trip. Make sure to take out the insurance in good time before the start of the rental to enjoy coverage from the outset.
Digital & Transparent
Simple online completion, clear conditions.
Comprehensive & Affordable
Strong protection at fair prices.
Fast & Reliable
Quick assistance in case of damage.
This is how easily you can take out your business interruption insurance online with nextsure
Finalising your rental car excess reduction insurance with nextsure is entirely digital and completed within minutes. Visit our website and select the "Rental Car Excess Reduction Insurance" product. Enter the required information, such as rental period and desired cover amount. Our system transparently calculates your premium. After reviewing the details and agreeing to the terms, you can conclude the contract directly online. You will receive the insurance confirmation immediately via email. This digital process allows you to find and secure the right protection shortly before your trip starts, without any paperwork or waiting times. This simple access is ideal for digitally savvy customers who value efficiency and transparency.
Damage Report: What to do in case of an emergency?
If damage occurs during your rental period, correct handling is crucial for smooth processing. Report the damage immediately to the rental company and, if necessary (e.g., in case of an accident involving third parties, theft, vandalism), to the police. Obtain all relevant documents (damage report from the rental company, police report). Then, promptly contact nextsure to report the damage. Have your insurance number and the collected documents ready for this. We will guide you through the process and inform you of the next steps. A quick and complete report is essential to swiftly process the refund of your excess. Keep all invoices and receipts related to the damage carefully.
Cost-Benefit Analysis: When is it worth taking out a deductible reduction insurance?
The cost of a rental car excess reduction insurance is usually low compared to the potential amount of the excess in the event of a claim. A typical excess can range from 500 to over 2000 euros. The premium for the excess protection often amounts to just a fraction of this. Even a small parking dent can incur costs that exceed the price of insurance. Therefore, the insurance is worthwhile not only for total losses but also for smaller mishaps. For frequent renters, an annual policy is often the most economical solution. Ultimately, the insurance offers one thing above all: financial security and peace of mind. The question is less about whether you can afford it, but whether you want to bear the risk of a high excess yourself.
What exactly does the rental car CDW reduction insurance cover?
When renting vehicles and taking out insurance policies, there are some pitfalls you should be aware of. Many basic comprehensive insurances provided by rental companies exclude damage to tyres, glass, roof or underbody. A good excess reduction insurance explicitly covers these areas. Pay attention to the maximum coverage amount of the excess insurance; it should at least match the amount of the deductible in the rental contract. Be cautious with so-called "young drivers" or usage in certain countries – special conditions may apply here. Carefully read the rental agreement terms and the insurance policy. With comprehensive excess reduction insurance from nextsure, you minimise these risks and can focus on what matters most: a relaxed drive.
