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Carhirexs.com is a car hire excess insurance website operated by Online Travel Insurance Services Limited. Its core purpose is to let users purchase additional cover before renting a car, reducing their excess liability to zero in the event of claims from the rental company for accidents, theft, or damage. It is closer to an online insurance e-commerce/policy service than a standard SaaS or enterprise software product.
The website offers two types of policies: Single Rental and Annual Multiple Rentals, with coverage regions available for Europe or Worldwide. Cover includes reimbursement of car hire excess, physical loss or damage to the vehicle, windscreen/glass, roof, tyres, underbody, fire, theft, vandalism, towing costs, lost keys, personal belongings, additional rental items, roadside assistance costs, administration fees, and post-accident one-way return/vehicle relocation costs. The site also provides a price calculator, FAQ, policy wording, claims guidance, and an agent login portal.
An example in the main content shows that for a two-week car rental in Europe, the insurance costs around £28, or £2 per day. Compared with the rental company’s on-the-spot add-on insurance at £20.76 per day, the cost advantage is clear. The actual price must be calculated online based on policy type, region, and pick-up/drop-off dates and times. Payment methods include credit card, debit card, and PayPal. After purchase, the policy certificate is sent by email, and users can also choose to receive documents by post.
The main advantage is its relatively comprehensive coverage, especially the inclusion of tyres, windows, roof, and underbody, which are often excluded by rental company insurance. It also supports both single rentals and annual multi-trip rentals, making it suitable for frequent renters. In terms of compliance, OTIS states that it is regulated by the UK FCA and mentions data protection and encrypted payments.
The drawbacks are that the policy must be purchased before the trip starts and must originate from the UK. It does not cover car rentals in Iceland, high-value or antique vehicles, motorhomes, motorcycles, overweight vans, and similar vehicles. The car hire excess product is sold on a non-advised basis, so users need to read the terms themselves and decide whether it is suitable.
This service is suitable for individuals aged 21–84 who are departing from the UK and renting cars in Europe or worldwide, especially those looking to reduce the cost of add-on insurance at the rental counter. The main content does not provide information on access from mainland China, so its availability there is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on carhirexs.com official site.
carhirexs.com is an United Kingdom Insurance provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach carhirexs.com directly.