Reduce My Excess Insurance Deal — Refund of your car hire excess, bought before you collect

£255. That is the headline saving Reduce My Excess shows against a hire desk excess waiver, in one representative example. Its stand-alone policy covers the damage excess you would otherwise owe, so you can turn the waiver down at the desk. It suits UK residents aged 21 to 84 who hire a car or van in the UK, Europe or worldwide and want to avoid paying the hire company's excess waiver. Here is what you get, set out in figures.

What you get, in numbers

What you get	Reduce My Excess figure
Headline saving	Up to £255 against hire desk excess waivers, in a representative example
Example trip	40-year-old UK resident, compact car, Madrid Airport, 14 days from 15 February 2026
Policy price	Shown only in the quote tool
Policy types	UK/EU, Worldwide or Van Hire (up to 31 days)
Trip type	Single trip or annual
Driver age	21 to 84
Car value	Up to £65,000
Car age	Up to 10 years old
Seats	Up to 9

The £255 is one example, not a promise for every trip. Choose the policy that matches your hire, then let the quote tool show your own cost. All figures come from the Reduce My Excess homepage, checked on 16 October 2026.

How the reward lands

No code is needed, and nothing discounts automatically. The saving comes from the policy itself, so timing matters. Each policy is a stand-alone product, bought separately from the car hire. Open the quote tool through the https://topreferrals.co.uk/go/reduce-my-excess. Pick UK/EU, Worldwide or Van Hire, then single trip or annual. Get the policy in place before you pick up the vehicle. At the desk, decline the excess waiver. Vans need the van policy, so choose Van Hire for a van. Reduce My Excess doesn't say how quickly a refund of the damage excess arrives.

What the policy actually does

Hiring a car can leave you facing a large excess if something goes wrong. Reduce My Excess sells stand-alone excess insurance. You buy the policy before you collect the car, then decline the hire desk's excess waiver. Reduce My Excess is the trading name of Eversure Limited, underwritten by AIG. The policy covers the damage excess you would otherwise pay.

The brand's homepage headline says you can save up to £255 against hire desk waivers. That figure is a representative saving only. It is based on a 40-year-old UK resident, a compact car, Madrid Airport and 14 days from 15 February 2026. Your own saving depends on your trip, your car and the excess the hire firm charges.

There is no code to enter and no automatic discount on the homepage. The saving comes from buying the policy and declining the waiver. Open the quote tool through the TopReferrals link to see your figure.

Cars, vans and trip types

Choose the policy that matches your journey:

• UK/EU policy for hires in the UK and Europe
• Worldwide policy for hires further afield
• Van Hire policy for vans, with hires of up to 31 days
• Single trip or annual cover

You need to be a UK resident aged 21 to 84. Cars must have up to 9 seats, be worth up to £65,000 and be up to 10 years old. Vans need the van policy. Non-UK residents are excluded.

Reduce My Excess doesn't show a fixed price on its homepage. The quote tool gives the price for your trip and policy. The brand lists its exclusions in the policy documents, so read those before you buy.

The fine print, in plain words

Reduce My Excess is the trading name of Eversure Limited. It is open to UK-resident drivers aged 21 to 84. Non-UK residents are excluded. Cars must have up to 9 seats, be worth up to £65,000 and be up to 10 years old. Van hires need the separate van policy. Exclusions and eligibility apply. Policies come as UK/EU, Worldwide or Van Hire cover. Each policy price appears only in the quote tool. The £255 headline is a representative saving only, based on one example: a 40-year-old UK resident hiring a compact car at Madrid Airport for 14 days. The policy has to be in place before you collect the vehicle. Reduce My Excess doesn't say how refunds on cancelled policies work.

Promo codes, coupons and vouchers

These are the phrases shoppers type when looking for this brand.

• "Reduce My Excess promo code": no code is needed. The homepage shows no code and no automatic discount.
• "Reduce My Excess discount code": nothing to enter there. Open the quote tool via https://topreferrals.co.uk/go/reduce-my-excess, and no code is needed there either.
• "Reduce My Excess voucher code": the homepage lists no voucher.
• "Reduce My Excess insurance": the stand-alone excess policy itself, in single-trip or annual form.

Who gets the most out of it

• UK drivers hiring in Europe or further afield: pick UK/EU or Worldwide cover to match your trip.
• Van hirers: the van policy covers hires of up to 31 days.
• Frequent hirers: choose annual cover instead of single-trip cover.
• Winter-sun and New Year road-trippers: set the cover up before you collect the hire car.

How TopReferrals checked this

TopReferrals read the Reduce My Excess homepage at reducemyexcess.co.uk on 16 October 2026. That one page shows the offer, who can apply, the policy types and the example saving.

Everything in this section comes from that page. The offer, the eligibility rules and the policy options (UK and Europe, worldwide, van hire, single trip or annual) were all taken from it. Eligibility on the page covers UK residents aged 21 to 84, with cars up to 9 seats and vans needing the van policy. The homepage shows no code and no automatic discount, so the saving appears only when you use the quote tool.

Reduce My Excess doesn't publish policy prices on the homepage. Prices appear only inside the quote tool. The homepage example is labelled a representative saving, which means it is one illustration, not a promise for every hire.

TopReferrals re-checks the offer on the date shown at the top of the page. If the homepage changes, the page changes with it. Each figure above matches that page on the date shown.