ReduceMyExcess Reviews 1,435

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the straightforward and user-friendly website, which makes it easy to navigate and understand policy information. Many reviewers highlight the significant cost savings compared to purchasing excess insurance directly from car rental companies. Consumers also value the peace of mind that comes with knowing they are protected against unexpected charges. People who have filed claims express satisfaction with the speed and efficiency of the claims process. The general consensus is that ReduceMyExcess offers excellent service and is well worth having for worry-free car rentals. However, opinions on the outcome of claims vary, with some consumers expressing dissatisfaction.

Based on these reviews

Rated 5 out of 5 stars

I had taken out a policy last year when renting a car abroad and after the horrendous experience with Goldcar and charging us unnecessarily, I claimed the costs back by Reduce my Excess. The communica... See more

Company replied

Rated 4 out of 5 stars

Advice was easy to access, straighforward and in plain english, so easy to understand, With high charges that other providers and the car hire companies charges, with several car hires likely this yea... See more

Company replied

Rated 5 out of 5 stars

We just heard about your service from a family member and were delighted to see how much cheaper your cost was than from the hire car company that we had previously used. Your booking system online wa... See more

Company replied

Rated 5 out of 5 stars

Its was easy to look up exactly what the insurance covered. It was also good to be able to be given information about what a hire company abroad includes as basic insurance, CWD, and how you claim if... See more

Company replied

Rated 5 out of 5 stars

I have used this company many times on a one off policy basis to cover holiday car hire. I have luckily never had to claim until this year when I got ripped off by a Holiday Autos company Surprice Ren... See more

Rated 5 out of 5 stars

Really pleased with the service from ReduceMyExcess. I've used their policies for a few years without claiming until this week, so I was concerned about claiming with them as I don't make a habit of... See more

Rated 5 out of 5 stars

For peace of mind when hiring a car in Europe, this a must to protect your excess liability. ReduceMyExcess does just that at a reasonable price. The website is easy to use and quite straightforward a... See more

Company replied

Rated 5 out of 5 stars

I’ve been with Reduce My Excess for several years, using both short-term and annual policies depending on my trips. I recently had to make a claim for €500 after OK Mobility (Tenerife South - airpor... See more

Rated 5 out of 5 stars

I was recommended this provider by friends. Someone keyed our hire car whilst we were on holiday resulting in charges from the hire company of over £1k. The online claims process was extremely straigh... See more

Rated 5 out of 5 stars

Glad that this option exists as ridiculously the car hire company wanted to double my hire charge to move to zero excess!!!! That is a con and not a fair price for the risk reduction. Thanks maybe... See more

Company replied

Rated 5 out of 5 stars

Just simple - excellent service from the agent (Hannah in the main but a couple of others Beverly). Essentially I had taken a worldwide policy out for a year last year - hadn't realised it exp... See more

Rated 5 out of 5 stars

The website is easy to use. And I was very happy with the coverage, which was better than insurers, and also the price, which included a discount through MoneyMaxim a comparison website. I didn’t have... See more

Company replied

Rated 5 out of 5 stars

I have purchased excess cover from this company for years without a claim, until I returned a rental vehicle to Click Rent at Malaga Airport. A minuscule scratch to a plastic trim (not caused by mys... See more

Rated 5 out of 5 stars

We saw 'Reduce my Excess' in a WHICH recommendation and my recent experience has been excellent. We hired a car in Italy and were charged 500 Euros for a few scratches on the door (that we didn't do b... See more

Rated 1 out of 5 stars

Cancelled renewal using their online forms but the payment still came out. Used their online form to tell them about their error but still not heard back. Have now had to ask my credit card to recal... See more

Company replied

Rated 5 out of 5 stars

I highly recommend ReduceMyExcess. I have been using them for a number of years and they are far cheaper than the astronomical prices charged by the car rental companies. Their customer service is exc... See more

Rated 1 out of 5 stars

Refused my claim (for a shocking EUR800 charge by Sixt for a slightly grazed kerbed wheel damage). ReduceMy Excess refused the claim because Collision Damage Waiver was not taken out at the Sixt desk.... See more

Company replied

Rated 5 out of 5 stars

Excellent customer service. I received an immediate refund for the wrong policy I purchased, and they corrected a typo in my name free of charge. On top of that, they’re the cheapest online excess ins... See more

Company replied

Rated 1 out of 5 stars

Got a quote online for a one off 7 day trip, put start and end date. Was happy with price, so paid up. Then when documentation came through was only covered for a day. There was no number to contact,... See more

Company replied

Rated 5 out of 5 stars

Quick and efficient service to make a note on my file that I didn’t want to auto renew. Also sent confirmation though that I’d get a renewal notice for next year. Seems a small thing but it can be s... See more

Rated 5 out of 5 stars

Excellent service and prompt pay out for damages that the hire car company had said I had caused, which was absolutely false. There was no damage but Reduce My Excess didn't quibble my claim and paid... See more

Rated 5 out of 5 stars

Made a claim through ReduceMyExcess after Centauro (Mallorca) charged us for minor damage to the underside of the front bumper. We submitted a claim which was approved quickly, the money was in my... See more

Rated 5 out of 5 stars

My claim was paid by Reducemyexcess once they're received all paperworks. I was charged around 400 euro in Prague for a small scratch. I paid and took the claim to Reducemyexcess. They are very meticu... See more

Rated 1 out of 5 stars

I have used Reduce My Excess several times before so they have become my default place to get additional car hire insurance. Not any more. I entered all the required details then tried to pay 3 time... See more

Company replied

Rated 5 out of 5 stars

Reduce my Excess are a breath of fresh air. So nice to speak to a human being and be treated well. Charli, who dealt with my query, was kind and helpful and the query was dealt with efficiently. So... See more

Rated 5 out of 5 stars

I use Reduce my excess whenever I rent a car (usually between 5 -10 times a year). I have had to claim with them twice (firstly for a chipped windscreen and secondly for a damaged tyre) and both times... See more

Rated 5 out of 5 stars

My rental car was scratched in a car park in Spain. Sent off a claim for £292 which the car rental company charged me last night. This morning I received an email from Reduce My Excess confirming the... See more

Company replied

Rated 5 out of 5 stars

I made a mistake with the name on my policy being different to the lead driver on my hire agreement. I contacted ReduceMyExcess and after a few emails I managed to purchase a new policy in the correct... See more

Rated 1 out of 5 stars

My husband has a policy and I am trying to get myself added as we need to hire two cars on our next trip. I have filled out the online enquiry form several times and tried the web chat, but the web c... See more

Company replied

Rated 4 out of 5 stars

Great quick cover . User friendly online experience. Would appreciate an option to talk to a human contact if needed tho. Chat feature wasn't that helpful either.

Company replied

Rated 2 out of 5 stars

Had an accident in Italy. The amount of bureaucratic rigmarole I have to go through does seem too much and appears to be attempting to not pay. They have asked for paperwork I cannot find or has not b... See more

Company replied

Rated 5 out of 5 stars

Used Reduce my Excess 3 times before due to hire companies overcharging fior their own insurance. This is the first time I have had to make a claim. The car hire company which I've hired a car wi... See more

Rated 4 out of 5 stars

My renewal was due for ReduceMyExcess which is a really good way of of offsetting those hiked up charges at the Car Rental desk. I have had their insurance for a good while and been entirely happy. Ho... See more

Rated 5 out of 5 stars

Have had an annual policy for more than ten years with this company and, until April this year had never made a claim. Hire car was damaged in Spain,ReduceMyExcess responded promptly and dealt wit... See more

Rated 5 out of 5 stars

I've used these guys for years to get excess insurance, but I had to claim for the first time earlier this year. I'm pleased to say that the claims process was straightforward, and painless. I... See more

Rated 5 out of 5 stars

Have used this company a few times but haven't had incidents so did not need to claim and therefore really test the services. A recent van rental resulted in a charge from the hire company and the cl... See more

Company replied

Rated 5 out of 5 stars

Paid the full amount, £2000, very quickly as soon as they had all the information. No questions asked. Only hiccup is they seemed to lose the documents attached to the initial claim form. Highly recom... See more

Rated 5 out of 5 stars

Customer service has been good when amending policy . Haven’t actually had to claim which is always the actual test of these companies but can’t fault comms at this point .

Rated 1 out of 5 stars

When we went to pick up the rental car we found that my husband needed a doctor's letter to say he was fit to drive. As we didn't know this, I had to drive the car myself. I contacted Reduce my Excess... See more

Company replied

Rated 5 out of 5 stars

Easy to understand and navigate web site. I was confident about the company. Very good value for money compared with the price offered by rental company. I hope I don't have to review the claim proces... See more

Company replied

Rated 5 out of 5 stars

Easy user experience. Quick and straightforward. Peace of mind knowing I’m covered and much cheaper than going via rental companies

Company replied

Rated 3 out of 5 stars

I have claimed from this company in the past, and the process was straight forward, and I got the money in good time with no faff. But I'm only giving it three stars now, because their website i... See more

Company replied

Rated 5 out of 5 stars

Quick response to a change request - keen to make sure my contract details were correct as this policy saves us a lot of money every year as no need to pay extra when hiring a car.

Rated 1 out of 5 stars

The insurance is great the service you couldn’t fault. I’ve had a premium for a year and by chance I filled in a voluntary field in a recent application and found they don’t cover Green Motion... See more

Company replied

Rated 5 out of 5 stars

The website was very easy to navigate. The cost of insurance was very good value. I definitely recommend using reducemyexcess for car hire at home or abroad

Company replied


Company details

  1. #131 of 230 best companies in Insurance agency
  2. #128 of 165 best companies in Insurance broker
  3. #68 of 126 best companies in Insurance company

Written by the company

Stand-alone car hire excess insurance, providing you with an alternative to costly excess waivers from car hire companies. From as little as £2.15 per day.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

1K reviews

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Rated 4 out of 5 stars

Good process - make sure you are on right policy type!

Good process? But advert was for van and it tried to get me to buy car cover first form their link, and then the wording was a double negative which made it hard to tell if it was a car or van policy
Once went back onto their homepage found the right part for vans
Just be careful

10 February 2026
Rated 5 out of 5 stars

Definitely Recommend

Used this company for annual cover in Europe over several years now. Booking process is straightforward and although, fortunately, I haven’t had any occasion as yet to use the cover, I feel confident the claims process will be similarly easy to negotiate. Cost for annual cover is extremely competitive too.

11 February 2026
Rated 5 out of 5 stars

Quick and good price

11 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Tarik,

We're glad you purchasing car hire excess insurance from ReduceMyExcess was quick, and our policies affordable. Thank you for your positive feedback!

Kind regards,

Anna

Rated 5 out of 5 stars

Easy process

Easy process

10 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Nicholas,

We're really happy to hear that you found the ReduceMyExcess website easy to use.

Kind regards,

Anna

Rated 5 out of 5 stars

Nice and easy no problems

Nice and easy no problems

10 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Frederick,

We're happy you had a positive experience with the ReduceMyExcess website. Thank you for your feedback; we appreciate it.

Kind regards,

Anna

Rated 4 out of 5 stars

Simple to renew policy.

Simple to renew policy.

10 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Stephen,

We're glad renewing your policy was simple. Thank you for your feedback; we appreciate you taking the time to share.

Kind regards,

Anna

Rated 5 out of 5 stars

good service

10 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Christopher,

We're happy to hear you found our service to be good.

Kind regards,

Anna

Rated 5 out of 5 stars

Very easy to use interface

Very easy to use interface. Like that it shows how far I have progressed at each stage.

10 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Tim,

We're happy to hear that you find our interface easy to use. It's great you appreciate seeing your progress at each stage. Thanks for your feedback!

Kind regards,

Anna

Rated 5 out of 5 stars

Easy to buy and competitive price.

Easy to buy and competitive price.

2 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Amanda,

We appreciate you sharing your positive experience regarding the easy purchase process and competitive pricing. Thank you for your feedback!

Kind regards,

Anna

Rated 5 out of 5 stars

Simple. Easy. Good value.

Easy to use website with clear instructions. Very good value cover for what I need.

10 February 2026
ReduceMyExcess logo

Reply from ReduceMyExcess

Hi Clive,

We're happy to hear that our website was easy to use and the instructions were clear. We appreciate you mentioning the value of our cover!

Kind regards,

Anna

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