Third Party Liability, Damage Waiver & Excess Protection:
Members are covered to drive our vehicles with: (i) coverage that meets or exceeds the minimum required third party liability insurance against death, personal injury and damage to property; and (ii) a damage waiver standard excess of £1,000 for cars & £1,250 for vans (before 1st March 2026) and £1,250 for cars & £1,500 for vans (from 1st March 2026), per incident. All the statutory requirements are included along with our Damage Waiver. Hopefully you will never have a bump but if you do, you will only be asked to pay the standard excess (if the incident is caused by another driver, we may be able to refund your excess after the claim has been settled).
Please see full terms and conditions for more detail on the damage waiver.
Reducing Your Excess:
We give our members the option to reduce the standard 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 £15 per month (before 1st March 2026) and £25 per month (after 1st March 2026), £150 annually (before 1st March 2026) and £250 (after 1st March 2026)*, 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 £2.00/hour (up to £16.00/day before 1st March 2026) and £2.25/hour (up to £18.00/day after 1st March 2026)*. 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.