SimplyExcess Reviews 

287
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Evaluating 181 reviews, reviewers overwhelmingly had a great experience with this company. Consumers consistently praise the highly affordable rates, noting that these policies offer fantastic value for money compared to expensive car hire desks. Users frequently highlight that the website is extremely simple to navigate, allowing them to arrange reliable coverage in just a few seconds. However, some people mentioned that they did not need to make a claim during their trip, meaning they could not fully test that specific aspect. Other reviewers also pointed out that while purchasing the policy is very straightforward, the true test of any insurer only happens when an incident occurs.

What people talk about most

Price

Clients share positive opinions on price, highlighting that the policies are very reasonably priced and... See more

Service

Customers consistently note positive experiences with service, highlighting great value for money and... See more

Claim

People report ambiguous experiences with claim, as many consumers fortunately did not need to make one and... See more

Value for money

Reviewers mention positive feedback about value for money, highlighting that policies are reasonably priced... See more

User experience

Reviewers highlight positive aspects of user experience, describing the website as slick, easy to use, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Unfortunately the hire car had a scratched wheel trim when I returned it, so there was an excess of 186 euros to pay, yes 186 euros for a wheel trim! Luckily I had taken out excess insurance via S... See more

Rated 5 out of 5 stars

I needed excess protection at short notice for a rental car from Enterprise who wanted to charge me £64 for three days. Found Simply Excess through the Martin Lewis website and their charge was only... See more

Rated 5 out of 5 stars

Fortunately, I didn't need to use the excess cover for my recent hire car journey. I found the whole process quick and simple to set up, and the price competitive. I appreciated the follow-up emails t... See more

Rated 5 out of 5 stars

Superb service. Wiber Car rental in Majorca claimed we had damaged the car because we had not uploaded pictures on their website within 24 hours. Charged us over £400. Simply excess dealt with this in... See more


Company details

  1. Insurance Broker
  2. Travel Insurance Company

Written by the company

No forms, no fuss. At SimplyExcess, we make car hire excess insurance simple, fast, and affordable. Forget long forms, confusing jargon, or hidden fees – just straightforward cover in a few easy clicks. We take care of the details so you can enjoy your trip with total confidence and peace of mind.


Contact info

4.8

Excellent

TrustScore 5 out of 5

287 reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 100% of negative reviews

Typically replies within 24 hours

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4.8

All reviews

(287)

168 reviews in the last 12 months

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Rated 5 out of 5 stars

Hassle free claims and low prices

I used Simply Excess quite a few times because of their competitive pricing and comprehensive insurance policy. I never left a review until when I recently had to claim due to damage to my hire car after hitting a big pothole. My previous experience with insurers is that they always find a reason not to pay. This was not the case with Simply Excess. The claim process was very straightforward: I just had to submit a copy of the invoice from the hire company and a photo of the damaged car. The day after I submitted the claim I got an email saying that it had been approved and received the money in my bank account 2 days later - no questions asked!
I will definitely be using Simply Excess for my next trips and would recommend them to anyone

27 May 2026
Unprompted review
Rated 1 out of 5 stars

Given all the positive reviews on here…

Given all the positive reviews on here I'm sorry to say I had a very different experience. Yes it was very much cheaper than buying cover from the car hire companies but that is where the good news ends. Budget Ireland (run a mile from them too) found a stone chip in the windscreen of the Nissan and kept an incredible 1200 Euros from my deposit. I made a claim. Firstly SimplyExcess didn't see my email for six days and only found it when I telephoned. They wanted to see an actual credit card statement to prove I'd paid the 1200 Euros even though I had a receipt for that from Budget. I had to wait several weeks until this was available from my bank. Meanwhile we had a jolly email back and forth as SimplyExcess somehow wanted ME to get copies of repair or replacement estimates from Budget but Budget refused to send me anything other than the receipt. Eventually SimplyExcess accepted that and once I was able to send them my credit card statement they did pay up within a few days. But I won't be renewing my cover with them.

14 April 2026
Unprompted review
SimplyExcess logo

Reply from SimplyExcess

Thank you for taking the time to leave such a detailed review.

We were particularly disappointed to read this because, as you note, it clearly fell short of the experience that both you — and we — would normally expect based on the service standards we aim to provide.

Whilst we are pleased that your claim was ultimately settled in full, we fully appreciate that the overall process felt far more frustrating and time-consuming than it should have done, particularly regarding communication delays and the handling of supporting documentation requests.

As with most insurance claims, certain documentation is required in order for claims to be validated and processed correctly. However, we recognise that the process should still be handled as smoothly and clearly as possible for customers throughout.

We are reviewing the handling of this matter internally in order to better understand where the experience fell short and whether improvements can be made going forward.

Thank you again for the honest and constructive feedback.

Rated 5 out of 5 stars

Great experience after needing to claim

I had to make a claim on our car hire excess cover after being charged £900 by Dollar Car Rental at Belfast International Airport for a chip in the windscreen. I submitted all the paperwork to Simply Excess via their online form 2 days after the incident and received the full amount requested less than 10 days later. I had to call to ask a couple of questions before submitting the paperwork and the person I spoke to was helpful and sent me the information required via email whilst I was on the phone. We will be using this company again - cannot rate highly enough. And much better to buy this insurance than give extortionate amounts of money to the car hire companies.

2 April 2026
Unprompted review
Rated 5 out of 5 stars

Great value and easy to arrange

I needed excess protection at short notice for a rental car from Enterprise who wanted to charge me £64 for three days. Found Simply Excess through the Martin Lewis website and their charge was only £8, so very good value.
Arranging and buying the policy was quick and simple. The policy was clear and easy to understand. Simply Excess also sent some useful advice shortly before the vehicle return was due on what to do when returning the car.
I cannot comment on their customer service for any claim as I fortunately did not have to make a claim.

3 April 2026
Unprompted review
Rated 5 out of 5 stars

Great service

Great service, great price. I didn't need to claim but I received several emails before my trip and on returning the car giving advice about the hire'

27 February 2026
Unprompted review
Rated 5 out of 5 stars

Peace of mind

Did what it said on the tin - Provides the peace of mind knowing that you are covered should one of the car rental companies tries stealing money from you. Lets face it, their all sly and want any excuse to take money!

5 star from me for the simple process of purchasing, their competitive price and the information they give you on how to navigate the car hire world.

* I didnt need to make a claim thus depending on how they handled it could have changed my rating and review*

4 March 2026
Unprompted review

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