{"id":28508,"date":"2018-03-01T12:48:19","date_gmt":"2018-03-01T12:48:19","guid":{"rendered":"https:\/\/thealternativeagency.co.uk\/indigo\/?p=28508"},"modified":"2018-03-01T12:48:19","modified_gmt":"2018-03-01T12:48:19","slug":"what-does-insurance-excess-mean","status":"publish","type":"post","link":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/","title":{"rendered":"What does insurance excess mean?"},"content":{"rendered":"

What\u2019s the difference between ZERO EXCESS (Super CDW) and Excess Damage Refund Cover?<\/h2>\n

Understandably, one of the most deterring and confusing parts about hiring a car is understanding insurance<\/a> and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for. Here is a quick and easy guide to car hire insurance.<\/p>\n

What exactly does \u201cexcess\u201d mean?<\/h4>\n

The insurance excess<\/a> is basically what you are liable for if the car is damaged. When hiring a car, it will always come with a policy that cover\u2019s you up to the insurance excess, so for example, in the UK most cars come with \u00a31000 excess. Meaning that if the car is totalled you\u2019d be liable for \u00a31000. This works the same as your own car insurance, if you are involved in an accident you will have to pay an initial amount towards each claim.<\/p>\n

You wouldn\u2019t be charged this amount for any minor damage to the car however. This is just the maximum you could be charged, so if the car is just scratched a little you\u2019d just be charged for that scratch.<\/p>\n

Am I able to cover this insurance excess?<\/h4>\n

Certainly, there are multiple ways to cover this to prevent you from being out of pocket if the car is damaged. The main two options you have are Super CDW (super collision damage waiver), also known as zero excess insurance, and excess reimbursement insurance<\/a>, also known as damage refund insurance.<\/p>\n

Which option is best for me?<\/h4>\n

This really depends on what suits you, as they both have their positives and negatives:<\/p>\n

Super CDW zero excess insurance is a lot simpler than it sounds, it basically just means that when you take this your excess is reduced to a lower amount, or even zero. Meaning you don\u2019t pay anything if the car is damaged. It is the more expensive of the two however, as it is often \u00a325 \/ 25 EUR per day and is arranged with the supplier directly when collecting the car.<\/p>\n

Excess reimbursement insurance works by refunding you anything you are charged for damage to the vehicle. So if you crash the car for example and are charged \u00a31000 excess, you\u2019d pay this and then be refunded in full afterwards. Though more cumbersome this option is a lot cheaper at usually just \u00a33.99 per day, with the option of policies covering you for any hires in a year for just \u00a339.99.<\/p>\n

It\u2019s worth mentioning too that both of these are OPTIONAL, if you are fine with just having an excess you don\u2019t have to take any extra insurance at all if you don\u2019t want to. Some companies will do what they can to get you purchase the extra insurance but you do not have to.<\/p>\n

Hopefully this has managed to clear everything up for you, but if you have any questions regarding excess \/ insurance, just give us a call on 0113 88 00 748<\/strong> or email us at sales@thealternativeagency.co.uk<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

What\u2019s the difference between ZERO EXCESS (Super CDW) and Excess Damage Refund Cover? Understandably, one of the most deterring and confusing parts about […]<\/p>\n","protected":false},"author":2,"featured_media":28510,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[70,109],"tags":[],"class_list":["post-28508","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-advice"],"yoast_head":"\nWhat does insurance excess mean? - Indigo Car Hire<\/title>\n<meta name=\"description\" content=\"One of the most deterring and confusing parts about hiring a car is understanding insurance and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What does insurance excess mean? - Indigo Car Hire\" \/>\n<meta property=\"og:description\" content=\"One of the most deterring and confusing parts about hiring a car is understanding insurance and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for\" \/>\n<meta property=\"og:url\" content=\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\" \/>\n<meta property=\"og:site_name\" content=\"Indigo Car Hire\" \/>\n<meta property=\"article:published_time\" content=\"2018-03-01T12:48:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"588\" \/>\n\t<meta property=\"og:image:height\" content=\"280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert Gillespie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Gillespie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\"},\"author\":{\"name\":\"Robert Gillespie\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/#\/schema\/person\/a562d9c18b1397a339a2cd5f54eb36ed\"},\"headline\":\"What does insurance excess mean?\",\"datePublished\":\"2018-03-01T12:48:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\"},\"wordCount\":527,\"publisher\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/#organization\"},\"image\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg\",\"articleSection\":[\"Insurance\",\"Travel Advice\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\",\"url\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\",\"name\":\"What does insurance excess mean? - Indigo Car Hire\",\"isPartOf\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg\",\"datePublished\":\"2018-03-01T12:48:19+00:00\",\"description\":\"One of the most deterring and confusing parts about hiring a car is understanding insurance and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for\",\"breadcrumb\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage\",\"url\":\"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg\",\"contentUrl\":\"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg\",\"width\":588,\"height\":280,\"caption\":\"Insurance Excess\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/designoholic.uk\/indigo\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What does insurance excess mean?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/#website\",\"url\":\"https:\/\/designoholic.uk\/indigo\/\",\"name\":\"Indigo Car Hire\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/designoholic.uk\/indigo\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/#organization\",\"name\":\"Indigo Car Hire\",\"url\":\"https:\/\/designoholic.uk\/indigo\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/alshokar.com\/demo\/wp-content\/uploads\/2021\/11\/indigo-logo.png\",\"contentUrl\":\"https:\/\/alshokar.com\/demo\/wp-content\/uploads\/2021\/11\/indigo-logo.png\",\"width\":146,\"height\":65,\"caption\":\"Indigo Car Hire\"},\"image\":{\"@id\":\"https:\/\/designoholic.uk\/indigo\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/#\/schema\/person\/a562d9c18b1397a339a2cd5f54eb36ed\",\"name\":\"Robert Gillespie\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/designoholic.uk\/indigo\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c8a0fe8a3a4385e03aa1821ca4a47edc99fdf56de4d550fdd15b99753f96bb23?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c8a0fe8a3a4385e03aa1821ca4a47edc99fdf56de4d550fdd15b99753f96bb23?s=96&d=mm&r=g\",\"caption\":\"Robert Gillespie\"},\"url\":\"https:\/\/designoholic.uk\/indigo\/author\/rgillespie\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What does insurance excess mean? - Indigo Car Hire","description":"One of the most deterring and confusing parts about hiring a car is understanding insurance and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/","og_locale":"en_US","og_type":"article","og_title":"What does insurance excess mean? - Indigo Car Hire","og_description":"One of the most deterring and confusing parts about hiring a car is understanding insurance and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for","og_url":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/","og_site_name":"Indigo Car Hire","article_published_time":"2018-03-01T12:48:19+00:00","og_image":[{"width":588,"height":280,"url":"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg","type":"image\/jpeg"}],"author":"Robert Gillespie","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Robert Gillespie","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#article","isPartOf":{"@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/"},"author":{"name":"Robert Gillespie","@id":"https:\/\/designoholic.uk\/indigo\/#\/schema\/person\/a562d9c18b1397a339a2cd5f54eb36ed"},"headline":"What does insurance excess mean?","datePublished":"2018-03-01T12:48:19+00:00","mainEntityOfPage":{"@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/"},"wordCount":527,"publisher":{"@id":"https:\/\/designoholic.uk\/indigo\/#organization"},"image":{"@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage"},"thumbnailUrl":"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg","articleSection":["Insurance","Travel Advice"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/","url":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/","name":"What does insurance excess mean? - Indigo Car Hire","isPartOf":{"@id":"https:\/\/designoholic.uk\/indigo\/#website"},"primaryImageOfPage":{"@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage"},"image":{"@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage"},"thumbnailUrl":"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg","datePublished":"2018-03-01T12:48:19+00:00","description":"One of the most deterring and confusing parts about hiring a car is understanding insurance and insurance excess. What cover the car comes with and exactly what the excess is. It\u2019s very easy to get caught up in lots of complicated jargon and terminology when all you want to know is how much you are covered for","breadcrumb":{"@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#primaryimage","url":"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg","contentUrl":"https:\/\/designoholic.uk\/indigo\/wp-content\/uploads\/2018\/03\/insurance-excess.jpg","width":588,"height":280,"caption":"Insurance Excess"},{"@type":"BreadcrumbList","@id":"https:\/\/designoholic.uk\/indigo\/what-does-insurance-excess-mean\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/designoholic.uk\/indigo\/"},{"@type":"ListItem","position":2,"name":"What does insurance excess mean?"}]},{"@type":"WebSite","@id":"https:\/\/designoholic.uk\/indigo\/#website","url":"https:\/\/designoholic.uk\/indigo\/","name":"Indigo Car Hire","description":"","publisher":{"@id":"https:\/\/designoholic.uk\/indigo\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/designoholic.uk\/indigo\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/designoholic.uk\/indigo\/#organization","name":"Indigo Car Hire","url":"https:\/\/designoholic.uk\/indigo\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/designoholic.uk\/indigo\/#\/schema\/logo\/image\/","url":"https:\/\/alshokar.com\/demo\/wp-content\/uploads\/2021\/11\/indigo-logo.png","contentUrl":"https:\/\/alshokar.com\/demo\/wp-content\/uploads\/2021\/11\/indigo-logo.png","width":146,"height":65,"caption":"Indigo Car Hire"},"image":{"@id":"https:\/\/designoholic.uk\/indigo\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/designoholic.uk\/indigo\/#\/schema\/person\/a562d9c18b1397a339a2cd5f54eb36ed","name":"Robert Gillespie","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/designoholic.uk\/indigo\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c8a0fe8a3a4385e03aa1821ca4a47edc99fdf56de4d550fdd15b99753f96bb23?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c8a0fe8a3a4385e03aa1821ca4a47edc99fdf56de4d550fdd15b99753f96bb23?s=96&d=mm&r=g","caption":"Robert Gillespie"},"url":"https:\/\/designoholic.uk\/indigo\/author\/rgillespie\/"}]}},"_links":{"self":[{"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/posts\/28508","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/comments?post=28508"}],"version-history":[{"count":0,"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/posts\/28508\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/media\/28510"}],"wp:attachment":[{"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/media?parent=28508"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/categories?post=28508"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/designoholic.uk\/indigo\/wp-json\/wp\/v2\/tags?post=28508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}