insurance4carhire Reviews 1,302

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the service for being brilliant, easy to deal with, and providing peace of mind. Many people highlight the excellent value for money, noting that the prices are significantly cheaper than options offered by car hire companies. The user experience is frequently described as straightforward and easy to follow, with a simple online process for purchasing policies. However, some customers also noted issues with the claims process, describing it as difficult or experiencing delays. A few people were dissatisfied with the website, mentioning problems with account recognition, policy number validation, or difficulties with the online claim form. Additionally, some reviewers expressed a preference for human interaction, finding the online-only nature of the service inconvenient.

What people talk about most

Claim

Users describe ambiguous interactions with claim. Many reviewers report positive experiences, highlighting... See more

Service

Reviewers mention positive feedback about service. Many customers praise the ease of use, competitive... See more

User experience

Clients share positive opinions on user experience, with many finding the website easy to use and navigate,... See more

Price

Customers consistently note positive experiences with price, finding it competitive and a much cheaper option... See more

Website

People report ambiguous experiences with the website. Many customers found the website easy to use, with... See more

Based on these reviews

Rated 4 out of 5 stars

Minor issues to do with needing to double-check something and being somewhat confused with changes in brand ownership since I had last used the company. Also more than one gateway to get a quote (dif... See more

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Rated 5 out of 5 stars

I have used insurance4car hire for a few years. They are extremely good value for money and a much cheaper option than car hire companies offer. When dealing with them, their service has been brilli... See more

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Rated 5 out of 5 stars

Used insurance4carhire many times in the past, but this time I used them as they didn’t have any exclusions on the car hire companies, while most of the others did. Found the price is the same as oth... See more

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Rated 5 out of 5 stars

they called me today because I'd accidentally taken out 2 policies. I sort of thought i had but when i searched for my email / policy it didn't come up. Now I know its because the emails come from Swi... See more

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Rated 5 out of 5 stars

Have used this company for many years and saved hundreds (maybe even thousands) of pounds compared to excess reduction from the car hire companies. We have never needed to claim and often wondered h... See more

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Rated 5 out of 5 stars

This insurance was easy to purchase and provides very useful cover. I have used insurance4carhire many times over the last 15 years. Since I have never made a claim, however, I cannot comment on how w... See more

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Rated 5 out of 5 stars

Excellent product and excellent value compared with foreign car-rental firms' equivalent policies. Much more reliable to deal with a UK-based insurance company than a foreign one in the sad event that... See more

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Rated 5 out of 5 stars

Really poor experience so far with the claims process. Online system didn't work so I submitted all requested documentation by email however after 6 working days I don't even have an email to acknowle... See more

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Rated 5 out of 5 stars

Was recommended this insurance by a friend as car hire people charge extortionate price for extra insurance, especially in Italy. It is a great alternative and I have bought it ever since. I'm lucky t... See more

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Rated 5 out of 5 stars

Very easy to deal with. No complicated forms and having experienced making a claim in the past, what I thought would be a difficult process turned out to be very straightforward. I have used this comp... See more

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Rated 5 out of 5 stars

A brilliant company (I'm not usually so effusive). We use car hire companies a lot and had to claim last year. Insurance4carhire were brilliant - quick response and paid out within days. Can't fault t... See more

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Rated 5 out of 5 stars

A very good company. Having used them for a number of years and have recommended them to other family members and friends.who have relayed back to me their high satisfaction of the policy. I have ha... See more

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Rated 5 out of 5 stars

A policy that adds peace of mind when hiring cars in UK OR Europe without paying over the top premiums if reducing policy excess at car hire company. Excellent service easy to follow and understand.

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Rated 5 out of 5 stars

I have been using insurance4carhire for many years. I have always found them helpful when needed. Can definitely recommend them if hiring a car abroad. Give you peace of mind.

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Rated 5 out of 5 stars

I have taken out insurance with insurance4carhire for many years finding the premium to be competitive. I recently had to make a claim and it was dealt with quickly and without fuss, just what you wan... See more

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Rated 1 out of 5 stars

When I tried to make a claim last year, the website didn't recognise my account and when I tried to register again, it didn't recognise my policy number even though it was clearly correct. I tried eve... See more

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Rated 5 out of 5 stars

We are existing customers with Swinton and tried them out for specific insurance for a hire car in Europe. They came up trump but hopefully we will not have to make any claims.

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Rated 1 out of 5 stars

Same price for Isle of Man Residents as for those in UK when zero IPT tax is levied in the IOM. Whilst not technically dishonest not exactly trustworthy. ….. and the reply is what exactly? Just wa... See more

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Rated 5 out of 5 stars

Have used them several times. We have made claims in the past and there has been no problem. The staff were helpful and the claims were settled really quickly. This made what could be stressful situat... See more

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Rated 5 out of 5 stars

I have used this product and company for years and have claimed only once before which was straightforward. Knowing that the claim process is straightforward, with no surprises [or strange rules that... See more

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Rated 5 out of 5 stars

Easy to purchase the policy with immediate cover. I have had the same policy before but have not had to make a claim yet, thankfully, so am unable to comment on the claims process.

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Rated 5 out of 5 stars

On the second time I used these we were unfortunate to have a bump in France. The excess on the claim was €1800 . I paid on credit card in France and submitted my claim on my return. Once I forwarded... See more

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Rated 5 out of 5 stars

The 5* review is for the clarity and ease of renewal. I am however hopeful, from other reviews, that if we ever need to make a claim the process will just as painless.

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Rated 5 out of 5 stars

You only know how good your insurance is when you come to use it with a claim, these guys are spot on, responsive, easy to deal with and fast to concluded. Really recommend

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Rated 5 out of 5 stars

Sadly, I had to make a claim on my first policy, but I was told not to worry and it would be taken care of. And it was sorted out very quickly. I've been using Insurance4carhire for quite a few year... See more

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Rated 5 out of 5 stars

Unusually, you price has remained the same as last year. Same cover and I certainly recommend you to our friends. Your costs are far lower than buying cover at the hire desk.

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Rated 5 out of 5 stars

I've used Insurance4carhire and find them easy to deal with, very well priced and, when I had the misfortune to make a claim, they were totally fair and prompt.

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Rated 5 out of 5 stars

Long time user to save on excess insurance. Typically premium for 12 months is less than hire car company insurance for 1 week.

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Rated 5 out of 5 stars

Easy, competitive & relieves the stress of having to deal with the car hire desk pressure for extra insurance which is always a rip off!

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Rated 5 out of 5 stars

I have used this company for many years and will happily continue to do so. Easy to use. Good prices. Efficient service. Friends that I recommended are also happy.

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Rated 1 out of 5 stars

Received an email inviting me to renew my policy which included a link for that purpose. However the link did not work at all, and I had to use the chat line. Eventually after over an hour I managed t... See more

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Rated 5 out of 5 stars

Very clear website. Excellent level of cover. Covers a courtesy car loaned to you which some others don’t appear to.

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Rated 5 out of 5 stars

Their annual care excess insurance saves you a fortune on hire car point of sale policies - and actually pays out in the unlikely event of a claim.

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Rated 5 out of 5 stars

Easy to navigate website and competitive price for excess cover for car hire. Never had to make a recent claim so unable to comment on this process

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Rated 5 out of 5 stars

Like any insurance, the true test comes when you want to make a claim. From recommendation, I take comfort but hope I never have to make a claim.

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Rated 5 out of 5 stars

Great Value and great service if you need it, in my personal experience. I never look any further for Car Hire Excess Cover.

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Rated 5 out of 5 stars

Quick, easy, trusted service,no quibble payout, dealt with car rental company so I didn't need to. Highly recommend

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Rated 5 out of 5 stars

Very easy to set up and at a reasonable price and it gave us peace of mind over the expensive excess of the car hire company

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Rated 5 out of 5 stars

Value for money. Simple application, on line. Have used this service many times. Fortunately, have never needed to claim.

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Rated 5 out of 5 stars

A great way to cover car hire excess instead of having to buy expensive car hire excess cover. Easy online process to purchase

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Rated 5 out of 5 stars

I have used insurance4carhire for many years and have been impressed by their professionalism and speed to settle claims.

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Rated 5 out of 5 stars

I found it all very straight forward and easy to follow. Great cover and the price is very reasonable. I have used this company for some time now and would highly recommend it.

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Rated 5 out of 5 stars

Reasonably priced and no increase for the last two years. When a claim was made, paid out instantly with no quibble . Happy to have just renewed for another year.

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Rated 1 out of 5 stars

Why are all companies becoming ‘online only’ instead of having a human voice. I needed help with a problem but trying to get a telephone number and a real person to talk to for advice was impossible.... See more

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Rated 1 out of 5 stars

It is 24 hours since I bought my policy and I have still not received a confirmation e-mail regarding my policy purchase. I tried to use the LiveChat service and it did not work as no-one got in touch... See more

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Rated 1 out of 5 stars

Personally I havent used the insurance for car hire yet as I don't need it until next week but I did email the helpline at info@insurance etc etc (no humans to talk to) to query something about the p... See more

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Rated 1 out of 5 stars

Be aware that this insurance is online only. It's cheap, but if you need to make a claim, my experience has been that it is virtually impossible. After almost 6 months I am still waiting for my claim... See more

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Rated 1 out of 5 stars

I used to use Insurance4carhire years ago, and they were excellent. I made one small claim in about 15 years which they dealt with quickly. I've used them the last three years since the Swinton buy... See more

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Rated 1 out of 5 stars

I had an existing policy for Europe. I am visiting USA in November 2025 so took out new policy to commence on first day of renting car there (which overlapped). As a result I couldn’t register my emai... See more

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Rated 1 out of 5 stars

I've been a loyal customer for several years, but my recent claim experience has been absolutely appalling. This should have been the most straightforward claim possible - stationary vehicle, clea... See more

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Rated 5 out of 5 stars

Easy to get cover and a new service that seems good value. I hope I don't have to claim, but great to know I have extra cover for car rentals in the coming year.

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Rated 5 out of 5 stars

Very simple and quick to purchase car hire insurance and much cheaper than insurance taken out with hire company

Company replied


Company details

  1. Insurance Broker

Written by the company

Founded in 2002 by Larry Ursich and John Jansson, acquired by Henley media group in 2005, then by Towergate Underwriting Group in 2007, and by Swinton Group Limited in 2020, insurance4carhire has grown in its product offering but has kept one thing the same: customer value. We offer straightforward and low-cost alternatives to the expensive car hire excess insurance policies offered by car hire companies. Our policies are simple yet effective. They are designed to reimburse you for excess if your hire car is damaged or stolen. They even include cover for damage to roof, windows, tyres, undercarriage and headlights - parts that are often excluded by car hire companies.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

1K reviews

5-star
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Rated 5 out of 5 stars

They contacted me to refund me when I took a second policy out

they called me today because I'd accidentally taken out 2 policies. I sort of thought i had but when i searched for my email / policy it didn't come up. Now I know its because the emails come from Swinton not insurance4carhire. Anyway. Been using this company for years and they are excellent and I am so grateful to Tania calling me today to point out the double policy and refund me. 10/10 would recommend. very impressed

18 March 2026
Unprompted review
insurance4carhire logo

Reply from insurance4carhire

Thank you so much for your kind words and for taking the time to share your experience. I'm delighted to hear that Tania was able to assist you and that you are happy with the service provided. We really appreciate your loyalty to insurance4carhire over the years, and we're committed to continuing to offer you excellent support.

If you ever need anything else, please don't hesitate to reach out.

Kind regards,

Michelle @ Insurance4CarHire

Rated 5 out of 5 stars

Easy

Easy, competitive & relieves the stress of having to deal with the car hire desk pressure for extra insurance which is always a rip off!

15 March 2026
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Reply from insurance4carhire

Thank you so much for your kind words and positive feedback! We're thrilled to hear that you found our service easy and competitive, and that it helped relieve the stress often experienced at the car hire desk. Providing value and peace of mind to our customers is very important to us.

If you need any further assistance with your insurance4carhire needs, please don't hesitate to reach out.

Kind regards,

Michelle @ Insurance4CarHire

Rated 1 out of 5 stars

Deny, Delay, Defend

You are better off getting insurance for your car rental company.

They will do anything to avoid paying out your claim. My car was vandalised whilst on holiday and they were unhappy with the invoice and a signed police report, asking for an itemised receipt from the garage, which the rental company has zero incentive to provide.
They will intentionally misunderstand the documentation due to it being in a foreign language, despite claiming to cover globally.
If youre lucky enough to get through to a human after 2 hours of calling, they will lie and tell you your claim is fine, only to then email you why they will not be covering your claim.
The online chat support is a joke, takes forever to connect and the agents are clueless.
I have given up on ever getting my full excess back.

27 February 2026
Unprompted review
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Reply from insurance4carhire

Thank you for sharing your feedback. I’m sorry to hear about the challenges you experienced with your car rental insurance claim. We understand how frustrating it can be when documentation issues arise, especially when you’re abroad.

At Insurance4CarHire, we aim to ensure clarity and fairness in all claims processes. Your comments are important to us, and we will continue working to improve customer experience and communication.

If you wish to discuss this further or log a complaint, please reach out to our team via www.insurance4carhire.com/contact

Kind regards,

Chris @ Insurance4CarHire

Rated 4 out of 5 stars

Insurance Straight forward to use

Straight forward to use

3 March 2026
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Reply from insurance4carhire

Thank you for taking the time to share your feedback on Trustpilot. We're delighted to hear that you found our service straightforward to use. If you have any further questions or need assistance, please don't hesitate to reach out.

Kind regards,

Chris @ Insurance4CarHire

Rated 4 out of 5 stars

Used every year ,good to know ive got…

Used every year ,good to know ive got a little back up just i case cheers

30 September 2025
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Reply from insurance4carhire

Thanks for your kind words! We're really pleased to hear that you find our service reliable every year. It's great to know you feel confident having that extra back-up when you need it. If there's ever anything else we can assist with, just let us know.

Kind regards,

Chris @ Insurance4CarHire

Rated 5 out of 5 stars

SIMPLY EVERYTHING!!

10 March 2026
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Reply from insurance4carhire

Thank you so much for your fantastic feedback! We're delighted to hear that you think we offer simply everything. Your kind words motivate us to continue providing the best service possible.

If you need any further assistance with your insurance4carhire needs, please don't hesitate to reach out.

Kind regards,

Chris @ Insurance4CarHire

Rated 5 out of 5 stars

This insurance was easy to purchase and…

This insurance was easy to purchase and provides very useful cover. I have used insurance4carhire many times over the last 15 years. Since I have never made a claim, however, I cannot comment on how well claims are processed.

9 March 2026
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Reply from insurance4carhire

Thank you for sharing your positive experience with Insurance4CarHire. We're delighted to hear that you find the insurance easy to purchase and that it provides useful coverage. It's great to know you've trusted us over the past 15 years.

While we hope you never need to make a claim, please remember we are here to assist you whenever you do. Should you have any questions or require support in the future, don't hesitate to reach out.

Thank you again for your continued trust and feedback.

Kind regards,

Chris @ Insurance4CarHire

Rated 5 out of 5 stars

Excellent hire care insurance

I have used insurance4car hire for a few years. They are extremely good value for money and a much cheaper option than car hire companies offer. When dealing with them, their service has been brilliant and claims are settled very quickly. I definitely recommend this company.

6 March 2026
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Reply from insurance4carhire

Thank you so much for taking the time to share your positive experience with us. We're delighted to hear that you find their coverage good value and appreciate the quick and efficient service they provide. Your recommendation means a lot to us.

If you ever need any assistance or have questions about your policy, please don't hesitate to reach out.

Kind regards,

Chris @ Insurance4CarHire

Rated 5 out of 5 stars

Car hire insurance scam

When you hire a car I find I get scammed on insurance. I hope this puts a stop to that

4 March 2026
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Reply from insurance4carhire

Thank you for sharing your concerns about car hire insurance scams.

We understand how important it is to have reliable and trustworthy insurance coverage when hiring a car. Working with insurance4carhire, we aim to provide clear, transparent, and fair policies to help put your mind at ease.

If you have any questions or need assistance with your insurance, please don’t hesitate to contact us. We're here to help you have a safe and worry-free car hire experience.

Kind regards

Chelsea @ Insurance4CarHIre

Rated 5 out of 5 stars

Good product and suits my needs and price range

Price ,cover, service ease of purchase

3 March 2026
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Reply from insurance4carhire

Thank you for sharing your feedback with us on Trustpilot regarding your experience.

We are pleased to hear your thoughts on the price, cover, service, and the ease of purchase. We strive to provide excellent value and a smooth experience for all our customers.

If you have any questions or concerns related to your policy, please do not hesitate to reach out. Your satisfaction is very important to us.

Kind regards,

Chris @ Insurance4CarHire

Rated 4 out of 5 stars

Excess cover insurance is great idea

Cover for car hire direct is so ridiculously expensive. Swinton offer a very agreeable solution.

4 February 2026
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Reply from insurance4carhire

Thank you very much for your kind feedback. We’re delighted to hear that you find our car hire insurance solutions more agreeable and affordable. We strive to provide excellent cover options that give our customers peace of mind without the high costs often associated with direct car hire insurance.

If you have any questions or need further assistance with your policy, please don’t hesitate to get in touch.

Kind regards,

Michelle @ Insurance4CarHire

Rated 5 out of 5 stars
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Reply from insurance4carhire

Thank you for reaching out and providing your review. We are pleased to hear that you are happy with our competitive rates.

if you need anything further in the future, please do not hesitate to reach out.

Kind regards,

Michelle @ Insurance4CarHire

Rated 4 out of 5 stars
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Reply from insurance4carhire

Thank you for your feedback. We're delighted to hear that you found our online process easy to complete. If you have any further questions or need assistance, please don't hesitate to get in touch.

Kind regards,

Michelle @ Insurance4CarHire

Rated 2 out of 5 stars

Trying to renew after policy had expired

I can only assume as I tried to renew after my policy had expired Your web site is not geared up to accept this

26 February 2026
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Reply from insurance4carhire

Thank you for reaching out and bringing this to our attention.

I understand that you attempted to renew your policy after it had expired and experienced difficulties with our website. I apologise for any inconvenience this may have caused. Once a policy has expired you would need to obtain a new quotation via our website.

If you wish to discuss this further or log a complaint, please reach out to us via www.insurance4carhire.com/contact

Kind regards,

Chris @ Insurance4CarHire

Rated 5 out of 5 stars

Excellent company to deal with

Excellent company to deal with. Great cover and price.

24 February 2026
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Reply from insurance4carhire

Thank you so much for your kind words!

We're delighted to hear that you found our cover and pricing excellent. It's always our goal to provide the best service possible at insurance4carhire, and your feedback means a lot to us.

If you ever need any assistance or have questions, please don't hesitate to reach out.

Kind regards

Chelsea @ Insurance4CarHIre

Rated 1 out of 5 stars

Avoid!

We have been with Insurance4car hire for many years. Several years ago we had to make a small claim and it was an easy process and we were refunded the excess we had paid the car hire company.
However, after returning from holiday three days ago, I have been trying to submit a claim- online- which is the only way to do so, and each time I am either timed out ( even answering ‘do you need more time?’ and pressing the ‘yes’ button didn’t work).
Apart with running out of time, I have not been able to submit the online form, as several times when pressing ‘proceed’, I am sent back to the log in page and have to start again.
This is the third day I am attempting to submit a claim, but IT IS IMPOSSIBLE.
I decided to look at reviews and realise I am not the only one having problems.
This product no longer gives peace of mind and I will be looking for an alternative policy to cover car hire abroad. I would advise strongly against using them. I really do wonder if it’s a blatant scam.

17 February 2026
Unprompted review
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Reply from insurance4carhire

Thank you for reaching out and for being a loyal customer of insurance4carhire over the years. I’m sorry to hear about the difficulties you’ve been experiencing while trying to submit your recent claim online.

We understand how frustrating it can be to be timed out during the process, despite your efforts to extend the session.

If you would like to discuss your concerns further or to log a complaint, please use the below link:

https://www.swinton.co.uk/contact-us

Kind regards,

Michelle @ Insurance4CarHire

Rated 5 out of 5 stars
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Reply from insurance4carhire

Thank you for your feedback! We're delighted to hear that you found the application easy to complete. If you have any further questions or need assistance, please don't hesitate to reach out.

Kind regards,

Michelle @ Insurance4CarHire

Rated 5 out of 5 stars

Good service

I have had two claims with this company and both have been settled without a problem

19 February 2026
insurance4carhire logo

Reply from insurance4carhire

Thank you for sharing your positive experience with us. We're delighted to hear that both of your claims were settled smoothly. If you ever need assistance in the future, please don't hesitate to reach out.

Kind regards,

Michelle @ Insurance4CarHire

Rated 1 out of 5 stars

Poor confirmation and contact ability

It is 24 hours since I bought my policy and I have still not received a confirmation e-mail regarding my policy purchase. I tried to use the LiveChat service and it did not work as no-one got in touch with me for over 2 hours. I tried to find a telephone number and there was nothing for insurance 4 carhire. I got through to a Swinton number and they could not give me a number to get through and said it is only an online service - that's helpful!

16 February 2026
insurance4carhire logo

Reply from insurance4carhire

Thank you for reaching out and bringing this to our attention. I sincerely apologise for the inconvenience you've experienced with your policy confirmation and the difficulties you've had trying to contact us.

I understand that it has been 24 hours since your purchase and you have yet to receive your confirmation email.

Regarding the LiveChat issue and the lack of a direct phone number for insurance4carhire, our product is an online product. I apologise but we were experiencing a high volume of chats yesterday, please try us again today on the below link and one of our team will be able to send your document to you.

https://www.swinton.co.uk/hire-excess-insurance/contact-us

Kind regards,

Michelle @ Insurance4CarHire

Rated 5 out of 5 stars

A good policy

Have previously bought numerous policies. All good.

15 February 2026
insurance4carhire logo

Reply from insurance4carhire

Thank you for your continued trust in insurance4carhire and for your positive feedback. We're delighted to hear that your previous policies have met your expectations and served you well.

If you have any questions or need assistance with your current or future policies, please don't hesitate to reach out. We're always here to help.

Kind regards,

Michelle @ Insurance4CarHire

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