Insurance Excess Minefield
Every UK car rental includes basic Collision Damage Waiver (CDW) and Theft Protection. However, this is not all-inclusive insurance. It comes with an excess, which is the UK term for a deductible. This is the amount you are liable for in case of damage or theft, and it is often alarmingly high—typically between £1000 and £2000. This means even a minor, barely visible scratch on a bumper, or a scuff on an alloy wheel, could see the rental firm charge you hundreds of pounds directly from your credit card to cover their repair cost within that excess.









