I have had hire car excess insurance cover with Reduce My Excess for several years. Way cheaper than buying cover directly from the car hire companies. For the first time, I also had to make a claim r... See more
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Review summary
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I initially set up a policy for a specific holiday, which was easy to do. I then decided it would be better to switch to an annual policy and this was not a problem. Seems like very good value, polic... See more
Company replied
Great communication, very fast turnaround, super helpful, great price and when making a claim; the process/form is easy to use and submit. Extremely grateful to this company for the pleasant and stres... See more
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The price is a real bonus when compared with the extravagant prices from the car hire firms. Would make it an annual purchase as the whole annual premium can be paid for with one weekly car hire
Company replied
Company details
About ReduceMyExcess
Written by the company
ReduceMyExcess is a leading provider of car hire excess insurance, created to offer drivers a clearer and more affordable alternative to costly rental company waivers. ReduceMyExcess has been recognised with the Which? Best Buy award for our hire car excess insurance.
Since 2011, we have focused on providing comprehensive and affordable car hire excess insurance policies alongside uncomplicated information to help customers make informed decisions when renting a car.Contact info
United Kingdom
- reducemyexcess.co.uk
ReduceMyExcess Car Hire Excess Insurance
4.7
Excellent
3K reviews
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I’ve just purchased a cover
I’ve just purchased a cover, highly recommended by a friend. I hope I’ll never need to make a claim however if that happens I hope the process with ReduceMyExcess will go smoothly.
31 May 2026
Reply from ReduceMyExcess
Hi Andrew,
We’re glad you found the process simple, and we hope you have a smooth experience. We’re here if you ever need us.
Kind regards,
Anna
Easy transaction
16 June 2026
Reply from ReduceMyExcess
Hi Samuel,
We're happy to hear the transaction was easy!
Kind regards,
Anna
ReduceMyExcess Excellent
I hate the extras that car hire companies suggest when you get to the desk - unreasonably expensive. Annual cover seems the way to go. I hired a car from Budget in Ireland and had a tiny windscreen chip sprung on me for which they charged €1,300! I went through the simple ReduceMyExcess process and had the excess paid into my account swiftly. I've switched to annual renewal now (and I get a loyalty discount).
15 June 2026
Unprompted review
Reply from ReduceMyExcess
Hi Paul,
We’re really pleased to hear your claim was handled quickly and smoothly, and that you found the process simple to follow. It’s great to know the cover has provided real value compared to rental desk options, and that you’ve now switched to an annual policy.
Kind regards,
Anna
Ease of selecting product
Ease of selecting product, dates and input of a discount voucher - all went well. Have used previously and will do again. Good value product.
16 June 2026
Reply from ReduceMyExcess
Hi,
We’re really pleased to hear you found it easy to select your cover and that everything, including dates and applying your discount, went smoothly. It’s great to know you’ve used us before and continue to find the service good value.
Kind regards,
Anna
Simple and straight-forward.
Seemed like a reasonable price for sufficient coverage to overcome the pitfalls of not taking out considerably more expensive car rental company's insurance policies. Simple forms and all done quickly. Thankfully we didn't have to claim anything so cannot attest to what happens in the event of something going wrong, but taking out the policy was easy.
5 June 2026
Reply from ReduceMyExcess
Hi Steven,
We're so glad to hear that you found our policy to be a reasonable price and that the process was quick and easy for you. Thank you for sharing your positive experience!
Kind regards,
Anna
Easy transaction to renew policy
18 June 2026
Reply from ReduceMyExcess
Hi Helen,
We're happy renewing your ReduceMyExcess policy was easy!
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Ms Robinson,
We're glad completing the online form was easy for you. Thank you for your positive feedback!
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Richard,
We’re glad you found it quick, easy, and good value. Thank you for your review.
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Martin,
We're glad you found our prices good and our purchase system easy. Thank you for your feedback.
Kind regards,
Anna
I had hoped to change the names of the…
I had hoped to change the names of the nominated drivers on my policy. Had I done this ahead of the automated renewal I expect it would of been quickly sorted. Now, after automated renewal and transfer of funds, I am into the region of, we are experiencing high workloads etc. They will get back to me when an operative finds time. So, not, premium service imo.
18 June 2026
Reply from ReduceMyExcess
Hi Mike,
Thank you for taking the time to leave a review. We're sorry to hear that you were unhappy with your experience.
We send a renewal invitation 21 days before your renewal date, which advises that payment will be collected 7 days before renewal. If we do not hear from you before then, the policy will renew on the same terms.
We can confirm that one of our agents has responded to your request and is working to resolve this for you.
Kind regards,
Chloe
Reply from ReduceMyExcess
Hi Michael,
We're glad the process was easy and our pricing was reasonable. Thank you for your feedback!
Kind regards,
Anna
Auto renewal was very straight forward
Auto renewal was very straight forward. I was delighted to receive a very competitive quote within the time frame set out in the auto renewal terms, giving me time to check prices elsewhere.
16 June 2026
Reply from ReduceMyExcess
Hi Keith,
We’re really pleased to hear you found the auto-renewal process straightforward and that you received a competitive quote in good time. It’s great to know this gave you the opportunity to compare and make an informed decision. Thank you for your review.
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Jill,
We're happy our service was quick and good value for you. Thank you for your positive feedback!
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Craig,
We’re really pleased to hear you found the website easy to use and the pricing competitive. It’s also great to know our Which? Best Buy recommendation gave you added confidence.
Kind regards,
Anna
Accidentally didn’t cancel my…
Accidentally didn’t cancel my subscription and they allowed me to cancel and get a refund.
15 June 2026
Reply from ReduceMyExcess
Hi,
We’re glad our team could help resolve this for you quickly and smoothly.
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Michael,
We're glad you found our service quick and efficient with a competitive rate. Thank you for your positive feedback.
Kind regards,
Anna
Rapid response from the team
16 June 2026
Reply from ReduceMyExcess
Hi,
We’re pleased to hear you received a rapid response from our team
Kind regards,
Anna
Reply from ReduceMyExcess
Hi Sathasivan,
We’re really pleased to hear you found everything straightforward and that there were no hidden charges or complex terms.
Kind regards,
Anna
The website was really easy to use
The website was really easy to use, and the quote appears excellent value. Of course the real test will come if I ever have to use the policy. If the service at that point is in anyway poor or complicated, then this initial how good was the website review won't be worth the paper it's written on.
14 June 2026
Reply from ReduceMyExcess
Hi Jon,
We’re pleased to hear you found the website easy to use and the quote good value. We completely understand your point that the true value of any policy is demonstrated at claim stage, and we work hard to ensure that process is straightforward and efficient when it’s needed. Thank you for your feedback.
Kind regards,
Anna
The proof is in the claiming!
Often the purchasing experience is rated 5* for insurance companies - but you don't see many ratings from customers who have actually claimed.
We recently claimed on our policy after having been charged 150 euros by our car rental company for a small scratch on the car that we hadn't even noticed! After sending the relevant documents, Reduce My Excess paid out promptly and without any quibbles - 5* service, totally recommend!
24 May 2026
Unprompted review
Reply from ReduceMyExcess
Hi Stephanie
We’re really pleased to hear your claim was handled promptly and without any complications. We know the true value of insurance is shown at claim stage, so it’s especially rewarding to hear we delivered when you needed us.
Kind regards,
Anna
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