Took out annual multi-trip insurance (Excess Europe Annual) a week ago with Icarhire Insurance. I am Swiss with Swiss Residency.

Took out annual multi-trip insurance (Excess Europe Annual) a week ago with Icarhire Insurance. I am Swiss with Swiss Residency.


As far as I can see on their website, they still don't cover Swiss residents. Looks like the choices for Swiss residents are Questor or WorldwideInsure

This website (https://www.moneymaxim.co.uk) seems to verify what has been said so far.

Does anyone know if such a policy would also cover the excess payable to companies such as mobility and/or catch-a-car?

Currently one year of coverage with mobility is CHF150 (reducing the excess to CHF300)

Whereas with catch-a-car it is CHF99 per annum, reducing the excess to zero.

Has anyone recently got cover for Car Hire Excess Insurance? Which one did you use?



I've been using Questor for many years but it seems I am not able to renew my policy anymore.

Curious about the feedback you get, because I’m also with Questor and renewal is not far away.

Check your credit card deal. My gold Mastercard covers car hire excess. I used it earlier this year without rental in Australia. Filled in their 6-page form and waisted 6 weeks to get it all back...

Just got a notification from Questor:
We are writing to advise you that your Car Hire Insurance policy will automatically renew on 27/09/2019 -
Even with a discounted price!

Questor site doesn't allow residents of Switzerland. EU only.

I definitely have my Swiss address in their records

I've just received the notice of automatic renewal email.

According to their terms, you need to be a permanent resident in an EEA country.

WorldWideInsure are still offering car hire excess policies to Swiss residents but the WWT10 discount code no longer works

I've just got off the phone from Kayley at Questor (+44330 094 4330) who confirmed that any notices of automatic renewal for Swiss residents need to be cancelled, because at this point in time, they cannot insure Swiss residents but they are working on getting that changed. They're also not accepting any new policies from Swiss residents. Marvellous!

How much do you guys pay for that insurance annually? I personally rent cars about 4-5 times a year. I am using a price comparison portal that also compares the included insurance, so I simply usually book one with all waivers included… which costs often not even more, you just rent through some agent working with the big hiring companies instead of them directly.

Our last annual premium was £54.15. Thats for a policy covering 2 people living at the same address which also covered us if we were in different countries with individual car hire.

We've had that kind of policy for 5yrs, firstly with Worldwide and then with Questor, because I was frequently in the UK doing a house refurb for 3 weeks at a time whilst my OH needed to occasionally travel to visit family in Greece and have the same cover there. It also meant we were both covered if we had a holiday hire car with me named as the second driver.

That seems to be in the same ballpark of what I am paying more for getting cars that include the waiver, so if you rent cars more often than 4-5 times a year does the insurance make sense... less often just book the car with insurance included.

It usually makes sense even if you only rent 1 car for a week ! Far cheaper than the car hire company policies

Only if you are stupid enough to directly rent at the big names. As I said: I rent cars about 4-5 times a year and I spend about 4-5 EUR extra for good insurance for a weekend, around 20 for a week. But I use brokers and my bookings even come with a prepared page to print out in the local language which says "no, I dont want extra insurance, I am fully covered"...

I've just done a quick search for the first 2 weeks of Octobe at Manchester airport. Firefly want an extra £87.08 for full cover for a Corsa on top of the £223.42 hire charge. Avis want an extra £88.90 for a Golf.

Same duration but in Athens, Thrifty charge an extra €96.60 for a Seat Ibiza and Alamo also charge an extra €96.60 for a Corsa.

Maybe it's the locations we hire at, but we've had over 20 hire cars in the last 2yrs and only one charged less than our annual premium for the excess cover, and that was 2weeks ago on a 2 day hire in the UK. For us, this policy is a huge saving.

What do you mean by brokers?
I always go through topcashback.co.uk and compare which brokers are offering the best rate after cashback.