Reduce My Excess Discount Codes in July 2026

Shopping with Reduce My Excess: A guide for Purpl members

Reduce My Excess is a specialist UK insurance provider that helps customers save money when hiring cars by offering car hire excess insurance. Instead of purchasing expensive excess waiver products directly from car rental companies, customers can buy standalone cover through Reduce My Excess, often at a significantly lower cost. The company has been providing car hire excess insurance since 2011 and has been recognised as a Which? Best Buy provider for multiple years.

When you hire a vehicle, the rental company will usually hold you responsible for an excess amount if the vehicle is damaged, stolen or involved in an accident. Reduce My Excess provides reimbursement cover for these excess charges, helping customers avoid large unexpected costs while travelling. Policies are available for UK, European and worldwide car hire, as well as van hire.

For many disabled people and people with long term health conditions, hiring a car can provide flexibility and independence when travelling. Reduce My Excess helps make car hire more affordable by reducing the cost of protecting yourself against expensive excess charges.

Reduce My Excess works with Purpl to help eligible members save money through a Reduce My Excess disability discount.

Other ways to save with Reduce My Excess

• Assess annual vs. single-trip cover: If you plan on hiring a vehicle for more than 14 separate days total across a single year, upgrading to an Annual Multi-Trip policy is significantly cheaper than buying individual short-term daily plans.
• Refuse the hard sell at the desk: Lock in your policy online before you travel so you have the confidence to say no to the car rental staff when they try to aggressively upsell you their internal zero-excess waivers.
• Check the excess capacity limit: Ensure the maximum reimbursement cap on your chosen tier (up to £10,000) completely maps over or exceeds the maximum liability structure listed on your main car hire rental agreement.
• Combine your travel windows: Grouping your trip dates consecutively under a single policy window keeps you from incurring multiple separate transaction fees.

Why Purpl members love Reduce My Excess

• Massive upfront savings: Standing as a highly competitive, low-cost alternative to expensive rental desk "Super Collision Damage Waivers" (SCDW).
• Highly endorsed protection: Backed by an independent Which? Best Buy rating alongside a Feefo Platinum Trusted Service Award.
• Comprehensive item cover: Reimbursement security limits extend to vulnerable vehicle features that rental desks routinely exclude, including tyres, windscreens, the vehicle underbody, lost keys, and engine misfuelling.
• Total global flexibility: Accessible configuration setups covering local UK day staycations, European driving trips, or broader international worldwide holidays.

Accessibility and helping the disabled community

• Online purchasing allows customers to arrange cover from home.
• MyAccount enables customers to manage policies online 24/7.
• Cover can help support accessible travel and independent mobility.
• Digital policy documents are available online.
• Claims can be submitted through an online claims portal.
• Helpful for disabled travellers who rely on vehicle hire while travelling.
• Worldwide cover options are available.
• Customer support is available for policy enquiries.
• Online account access reduces the need for telephone contact.
• Insurance can provide additional peace of mind when hiring vehicles.

Customer service and return policy

Customer service

General customer enquiries helpline: 0118 321 8197

Dedicated claims helpline: 0208 649 6762 (Lines open Monday to Friday, 9:15am to 5:00pm)

FCA compliance tracking: Trading explicitly under Eversure Limited, authorized and regulated in full by the Financial Conduct Authority (FCA Register No. 501311).

Return policy

• Statutory cooling-off window: Policyholders benefit from a standard 14-day cooling-off period from the moment of purchase to cancel their plan and receive a full refund.
• Strict cancellation barriers: Your 14-day refund right is immediately voided if your holiday has already commenced, your policy start date has passed, or you have already initiated an official damage claim.
• Crucial claim deadlines: In the event of a vehicle incident where the hire company charges your credit card, you must formally lodge your reimbursement claim via the digital portal within 90 days of being charged by the rental desk.

Purpl tips & insights about Reduce My Excess

• Annual cover can offer better value if you hire cars several times each year.
• Keep all hire agreements and receipts in case you need to make a claim.
• Check the rental company's excess amount before travelling.
• Download policy documents before your trip.
• Save your policy number somewhere accessible while travelling.
• Take photographs of rental vehicles when collecting and returning them.
• Register for MyAccount to manage your policy online.