car rental excess insurance

car rental excess insurance

If you are charged with an excess as a result of a car rental damage, the STAY Travel Insurance offers proper benefits:

  • applicable to all motor vehicles, motor cycles or motorhomes offered by a professional car rental agency
  • insurance coverage for all drivers shown in the contract
  • maximum term insured: 180 days
  • worldwide, no age limit

For full infomation on details, please see "benefits" below. Insurer: HanseMerkur Reiseversicherung

excess exclusion insurance for hired vehicles worldwide
insured excess up to: per day: applicable to:
2,000 € 5.50 € cars & motorcycles
4,000 € 9.00 € cars & motorcycles
5,000 € 14.40 € camper & motorhomes
7,500 € 21.00 € camper & motorhomes
Premiums per day and vehicle incl. all drivers named in the policy. Maximum duration of insurance: 180 days

application of product:

  • maximum term insured: up to 93 days
  • valid: worldwide
  • vehicles covered: motor vehicles, motor cycles or motorhomes offered by a professional car rental agency
  • change of vehicle: in case a change of vehicle becomes necessary within the insured period, insurance covergage automatically will be transferred to the new vehicle
  • persons insured: partner of car rental contract as well as all drivers named in the contract 
  • age: no age limit
  • amount insured: up to 2,000 € (motor vehicles + motor cycles), up to 5,000 € (camper + motorhomes). The amount insured is the maximum benefit per policy (not per damage)
  • booking period: at any time until takeover of the vehicle


  • refund of an excess charged by the car rental agency of insurance company and paid by the insured person as a result of a damage
  • no deductible

benefits excess exclusion insurance for hired vehicles

subject and scope of the insurance:
applicable to vehicle rented by an insured person from an official and commercial vehicle rental company
in the case of a necessary change of vehicle, the coverage transfers to the new rental vehicle within the agreed contractual term without renewed payment of the premium
additional vehicle insurance for rental vehicles which is only granted as an addition to existing (main) vehicle insurance for the rental vehicle
insured event:
in the case of an insured event covered by the (main) vehicle insurance
held by the vehicle rental company a deductible has been placed on you by the vehicle rental company or directly by the (main) vehicle insurance of the vehicle rental company and also been paid by you
non-insured damages:
damages, where the existing (main) vehicle insurance of the vehicle rental company does not provide coverage
damages occurring during participation in officially approved vehicle sports events and / or corresponding practice runs
damages that happens on roads and routes not permitted for use by the relevant renter or not designed for use by vehicles
if the driver was not in a position to drive the vehicle safely due to
alcohol, drugs, medication or other intoxicating substances
non-insured items:
bar and kitchen equipment, roof boxes, radio receivers, hydraulic tail lifts, awnings, multi-functional devices (audio, video and/or telecommunication devices including accessories), navigation and similar traffic control systems, including when combined, for example, with radio, as well as special extensions and canopies

how to make a claim (car rental excess insurance)

Please consider in case of a claim:

  • immediately report a damage to the car rental company and ask for a written confirmation of your report 
  • damages caused by criminal act of third parties must be reported immediately to the next police station
  • please avoid any kind of additional damage or costs 
  • please report the damage immediately - at the latest after end of your journey -  to the insurer
  • please allow and make possible any kind of examination of the damage by the insurer

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT), damage notice, original documents issued by the car rental agency, police or insurance company.


  • Please keep your policy number ready when calling the emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg