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Benefits of buying Car Hire Excess
Insurance when travelling to the USA

Our USA Car Hire Excess policy helps travellers save on the high costs of car rental insurance offered by rental car companies. If you purchase an Annual Multi-Trip policy for the USA with Gigasure, it also covers UK rentals, provided in-country cover isn’t excluded when you buy your CHE policy.

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Financial Protection: Car Hire Excess Insurance for USA and Canada offers financial cover for the excess amount you would be liable for in the event of damage, theft, or loss of the rental vehicle. If your rental agreement does not include Collision Damage Waiver / Loss Damage Waiver protection, this increased cover will automatically be provided under your Gigasure Car Hire Excess insurance policy instead of Excess Insurance.

Peace of Mind: By mitigating potential financial risks associated with hire car incidents, Car Hire Excess Insurance for USA and Canada provides travellers with peace of mind during their journeys.

Flexibility: We offer flexible policy options, allowing travellers to choose cover that best suits their needs and budget.

Worldwide Coverage: Car Hire Excess Insurance can provide cover globally, ensuring protection for car hire abroad as well as domestic rentals.

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What’s Covered by Our USA Car Hire Excess Insurance?

The Gigasure Car Hire Excess Insurance for USA and Canada covers the excess charges you'd be liable for in case of damage, theft, or loss of a rental vehicle, reducing out-of-pocket expenses and providing peace of mind during travel. You can purchase single trip or annual multi-trip policies covering your travels across the globe.

Check Up to £75,000 Collision Damage Waiver Protection*
Check Excess protection up to £10,000 to insure against damage to body work, tyres, roof, windscreen and undercarriage as well as fire damage, vandalism and theft
Check Misfuelling cover up to £2,000 
Check Rental Car Vehicle Key Protection included as standard 
Check Covers up to 9 named drivers on any single rental agreement 
Check Up to 65 days continuous cover on any one rental agreement with annual multi-trip policies 
*Collission Damage Waiver / Loss Damage Waiver is automatically included with USA & Canada and Worldwide policies and applies instead of Excess Insurance where the rental agreement does not include Collission or Loss damage Waiver protection.

What's not covered?

Cross Competitive, performance and offroad driving
Cross Charges relating to fines and driving infractions
Cross Accidental damage to the vehicle’s interior
Cross Rental vehicles with more than 9 seats
Cross Car Hire agreements that commence before your policy starts
Cross Mechanical breakdown due to wear and tear or malfunction

It only takes three steps to purchase a Car Hire Excess policy for USA and Canada 

Your Car Hire Excess Insurance can be easily purchased using this website or via our Gigasure app. Simply choose your preferred policy type and complete the three-step buying process. We offer you the opportunity to apply a voluntary excess on the policy to achieve further savings. Download the Gigasure app to elevate your experience; get quotes, manage your policy, contact our customer care team, or start your claim.

A collage of travel photos alongside a mobile screen displaying the first step to get a quick Gigasure Car Hire Excess Insurance quote
The screen displays options for customising your Car Hire Excess Insurance plan, including voluntary excess and continuous days of cover
A collage of travel images alongside a mobile screen presenting the payment page, the final step in buying Gigasure Car Hire Excess Insurance

Step 1

Choose the type of policy you need and the duration of cover required

Step 2

Tailor your Excess protection to suit your needs and budget

Step 3

Enter your details and proceed to payment

Learn more about USA Travel Insurance

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Secure today your Car Hire
Excess Insurance policy
for the USA and Canada

Frequently asked questions

What are the requirements for car rental insurance in the USA and Canada?

When renting a vehicle in the USA or Canada, you can opt for a rental agreement that either includes or excludes insurance. The primary insurance required is Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW), which provides cover for damage, theft, and loss of use of the rental vehicle. 

If you book your car rental from the UK or through a UK-based website, your agreement will often include cover for third-party liability, CDW, and theft. However, excess (deductible) charges are becoming more common, especially for cars booked in advance where CDW/LDW is included as part of the rental package. 

With Gigasure’s USA and Canada policy, you’re protected against these excess charges and more. Our cover also reimburses you for damage to vulnerable parts of the vehicle that are often excluded from the rental company’s own insurance, such as tyres, windscreens, roofs, and undercarriages. 

What happens if I do not purchase the Collision Damage Waiver (CDW)? 
If you decide not to purchase CDW insurance from the car rental company or an affordable, flexible insurance provider like Gigasure, you could be responsible for covering the full cost of any damage to or theft of the rental vehicle. This includes repair costs, loss of use charges, and administrative fees imposed by the rental company. Protect yourself from unexpected expenses and ensure your trip remains stress-free by securing your insurance with Gigasure. 
Why would I need the USA policy? 

In the USA and Canada, car rental companies often require Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW) insurance before handing over the keys. These covers can cost anywhere between from $10 to $60 per day per day when purchased directly from the rental desk.  

Depending on where you’re travelling, rental companies in certain states or provinces may also offer Supplemental Liability Insurance (SLI). This additional cover increases your third-party liability protection, which is often a legal requirement but can vary significantly from state to state. In some areas, mandatory third-party insurance levels may be relatively low, prompting rental companies to suggest additional cover. 

While CDW/LDW and SLI are typically sold separately at the rental desk, you can still achieve significant savings by choosing Gigasure for your CDW/LDW protection and purchasing any additional liability cover directly from the rental company, if required. Our affordable, flexible policies ensure you’re covered without overpaying, leaving you free to enjoy your journey with confidence. 

How much does Gigasure Car Hire Excess Insurance policy for USA cost?  

With Gigasure, Annual Multi-Trip policies for the USA start from £43.78 while a Single Trip policy will cost £4.77 a day based on a three-day policy. Both types of policies allow you to add a voluntary £250 excess to reduce your premium. On Annual policies, you can remove cover in the UK to reduce your premium and you can select the level of Excess/CDW cover and the number of continuous days of cover for your rental.  

How do I make a claim? 

You can submit your claim through our website or the Gigasure app, regardless of your insurance product. The app streamlines the process by using your account data, making submission quick and easy. 

  • How to make a claim via the Gigasure app: Log in, select the relevant policy, and click the 'Make a Claim' button. The app pre-populates most required policy information, so you don't need to search through old emails or documents. Follow the remaining steps to submit your claim in moments, saving you time and frustration. 
  • How to make a claim via the website:  Visit our claims page, click "Make a Claim" and follow the claims process. Please ensure you have your insurance documents ready before you start.