Reducing your Excess
All members are covered by our Standard Excess which includes a £1,250 excess for cars and £1,500 for vans.
If you're aged 22 or over, you can choose to reduce your excess to £250 per incident with our Excess Protection option. This lowers what you'd need to pay if something happens during your trip.
Whether you’re running quick errands or heading out on a longer trip. Excess Protection is a simple way to enjoy lower excess every time you drive.
3 ways to reduce your excess
How to add Excess Protection to your account
To add this to your account, simply submit your member ID on this form. Our Clubhouse will contact you to take the first payment by card. After that, fees will be collected from your default payment method.
Please note that this reduction in excess will only be applicable once first payment has been taken.
What is not covered by Excess Protection
While Excess Protection can significantly reduce the amount you’re liable to pay if a vehicle is damaged or stolen, it doesn’t cover everything.
Members are still responsible for certain types of damage and costs, including:
Tyre Damage - Any punctures, blowouts, or damage to tyres remain your responsibility.
Lost, Stolen, or Damaged Keys - This includes keys, key fobs, key rings, and accessories such as key holders.
Misfuelling - If the wrong type of fuel is added to the vehicle or if fuel becomes contaminated, the associated costs are not covered.
Failure to Secure or Care for the Vehicle - If the vehicle, its keys, or any device used to access or start it is not properly secured or cared for, you remain liable for resulting costs.
FAQs
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Damage protection
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What if I wish to cancel or change my excess reduction plan?
If you currently pay for Excess Protection either monthly or annually and would like to switch to a different payment option (for example, from monthly to annual) you can request this change by completing this form.
If you'd like to cancel your excess protection payment, please contact us at Operations@EnterpriseCarClub.co.uk
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What is Standard Excess?
The Standard Excess reduces the liability you are responsible for in the event of damage to and or theft of the vehicle, including any towing, storage and impound fees reasonably incurred by us as a result of the damage to and loss or theft of, the Vehicle. Damage Waiver is included in your reservation and comes with an excess, as standard this amount is £1,000 for cars (before 1st March 2026) or £1,250 (after 1st March 2026) & £1,250 for vans (before 1st March 2026) or £1,500 for vans (after 1st March 2026) per incident. This is the money you are liable for in the event of accidental damage to, or theft of, the vehicle.
If the repair cost is less than the applicable excess, you’ll only need to pay that amount.
We have over 1,300 vehicles nationwide in 180+ towns, cities and communities. Click here to find one near you.
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Damage Protection - is this included?
If you have a personal membership (with your own personal payment details), all of our vehicles are covered by damage protection so you do not need to take any insurance out to drive our cars or vans. Third party and passenger liability cover is in place. A damage waiver excess of £1,250 & £1,500 for vans applies if you do have a bump, but you’ll only have to pay this if the accident is deemed to be your fault or a third party can’t be traced. If the repair cost is less than the applicable excess, you’ll only need to pay that amount. For more information, click here.
If you are a member of a corporate account, please check with your employer or Enterprise Car Club account manager for details about your insurance cover.
If you have any questions about our damage protection and damage waiver options please call the Clubhouse team for further details on 0345 266 9290.
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Can I reduce my excess?
We give our members the option to reduce their excess for extra peace of mind. If you are 22 or over, you may be able to reduce your excess to £250 per incident for just £250/year or £25/month*, meaning you’ll never pay more than £250 for a claim for any particular incident, we call this ‘Excess Protection’
Simply enter your member ID on this form or call the Clubhouse on 0345 266 9290.
Alternatively, you can reduce your excess for a particular reservation to £250 per incident by paying an hourly fee of £2.25/hr (up to £18.00/day)*. You can select this option at time of making your reservation.
If you are a member of a corporate account, please check with your employer or Enterprise Car Club account manager for details about your damage protection.
If you have any questions about our damage protection and damage waiver options, please call the Clubhouse team for further details on 0345 266 9290.
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