Self Drive Hire Insurance
Compare Self Drive Hire Insurance
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Why compare self drive fleet insurance at MultiQuoteTime?
MultiQuoteTime understands the hassle and stress of comparing self hire fleet insurance quotes from multiple UK insurance providers.
To cater to your needs, we have partnered with Quotezone to provide you access to an online comparison tool. Complete one easy online form to obtain multiple quotes – and it’s 100% free!
Compare Self Drive Hire Insurance – Pay As You Go or Annual
The self drive hire insurance is how renters of vehicles protect themselves with road risk cover. It includes those that rent out cars, vans, minibuses and caravans. This cover financially protects the driver and the vehicle being rented, and this cover is required by UK law to protect the renter and the businesses renting the vehicle. Self drive insurance is normally the reserve of car rental companies, but it will also provide fleet van insurance that are available for self hire.
We work in partnership with Quote Zone who provide a simple form which once completed is submitted to a specialist panel of brokers. To get multiple quotes, select GET A QUOTE and provide basic information. The panel of UK brokers also offer comparative quotes for fleet van insurance, a product that is geared towards a business that relies on vans in their day-to-day business.
Self-drive Hire Cover Payment Structures
Some self drive hire businesses only operate in a seasonal basis, others operate year-round. Providers of this type of cover can normally provide a pay-as-you-go policy (payg) for seasonal operators and an annual policy with monthly payments for all year round operators. The pay as go scheme should work out more cost-effective for seasonal operators than an annual policy.
What is Included in a Self hire Business Insurance Policy
Different providers will offer different levels of cover, and some will exclude certain elements that others include as standard. We have put together the list below to guide you on what should be included in a good policy. Take note, if you only operate a seasonal hire business, you may wish to agree on a miles used policy rather than a no limit’s policy.
What vehicle categories can this type of Insurance cover?
Examples include:
The list is not exhaustive; for example, if you rent out your van or minibus to members of the public or bands, then you will need a self-drive hire policy. For those asking, a splitter van is normally used by touring bands, with living quarters in the rear separated from the driver’s cab upfront.
A good feature of a self-drive insurance plan is that flexibility in the vehicle type being hired. Most polices will you give you the freedom to provide a range of self hire vehicles. These type of polices are not limited to cars, you can take out self-drive van hire insurance for a removals or van rental company, other examples are listed below.
How much does Self Drive Hire Insurance cost?
The cost of self-drive hire insurance is determined by a number of factors. The size and overall cost of the fleet is one of the largest determining factors.
What factors influence the cost?
What Add-ons can be included in a Self Drive Hire Insurance Policy?
You can select a range of extras to add to your self-drive policy, ranging from legal cover to lost keys.
Breakdown Cover
Breakdown cover is the most common add-on for self drive hire insurance. This will provide assistance when the vehicle becomes disabled on the road and can take the occupants to their final destination if repairs are not possible on the roadside.
Legal cover
Legal cover for any legal expenses protects your self-hire business financially against these often substantial costs. With the number of uninsured motorists on the roads and scams, it should be given serious consideration.
Liability cover
Liability cover is also available with a self-drive hire insurance policy. This is legal protection if a third party files a claim against the renter of the vehicle for damages. This covers both the legal fees and any claim assessed to the renter by the courts.
Replacement keys
Getting car or motorhome keys replaced is expensive, and with so many keys, losing one can be easy. Having replacement key cover will help pay for the replacement of lost or stolen keys.
Public Liability Insurance
If you are dealing with the public, be aware that they can make claims against you for any injury, for example, from failure to maintain your premises. Along with legal costs, public liability insurance provides financial protection against third-party claims.
Self-drive hire insurance is a legal requirement for anyone renting out a vehicle, whether for a short or long period. It’s important to understand your rights: you have the option to secure your own policy rather than being obligated to accept the rental agency’s insurance. This can often lead to significant cost savings.
How to compare self drive insurance quotes at MultiQuoteTime.co.uk
Self Drive Insurance FAQ’s
Fleet Insurance Related
The panel of insurance brokers that we have access to can provide you fleet insurance for all types of business that have multiple vehicles, including:
- Updated: 28 Feb 2025
- Reviewed by Eamonn Turley Insurance Expert