ReduceMyExcess

ReduceMyExcess is an online-only UK specialist that sells car-hire excess reimbursement insurance, covering cars, vans, motorhomes and minibuses. Policies start at £2.19 per day or £42.99 for an annual multi-trip plan, placing the brand in the budget-to-mid-range segment compared with rental-desk rates. All cover is sold direct through reducemyexcess.co.uk; there are no high-street branches or call-centre upsells. The firm reimburses the excess a customer has to pay when a hire vehicle is damaged or stolen, rather than buying the rental company’s own waiver. Policies include windscreen, tyres, undercarriage and misfuelling—areas usually excluded by mainstream cover—and claims are settled within five working days. A single annual policy can be used on unlimited trips worldwide, making it a repeat-purchase product for frequent travellers. Core buyers are UK leisure and business travellers who book rental cars online and resent paying £15-£30 per day at the counter for equivalent protection. The brand appeals to value-driven, web-savvy consumers who plan ahead, compare prices and prefer to “pay once and forget” rather than risk hidden charges abroad. ReduceMyExcess competes with standalone excess-reimbursement insurers and price-comparison listings, undercutting them on headline price while matching or exceeding cover limits. Differentiation lies in zero excess on the reimbursement policy itself, instant digital documentation accepted at every major rental desk, and a Trustpilot score above 4.8 built on rapid claims payment.