insurance4carhire

insurance4carhire: car hire excess insurance

insurance4carhire is a trading name of Atlanta Insurance Intermediaries Limited, operating under the umbrella of Swinton Insurance. Its business focuses on arranging car hire excess insurance, an alternative to the policies offered by car hire companies at the rental desk. The company was founded in 2002 by Larry Ursich and John Jansson and has since changed hands several times: it was acquired by Henley Media Group in 2005, by Towergate Underwriting Group in 2007, by Atlanta Insurance Intermediaries in 2020 and by Markerstudy in 2024. Today it forms part of Swinton Insurance and is known commercially as insurance4carhire at Swinton.

Excess cover and geographical scope

The main product reimburses the policyholder for excess charges they have had to pay upfront when a claim is made on the hire vehicle. The maximum damage and theft cover is up to £6,500 per policy. The company offers specific policies for different regions: Europe, the UK, Australia, the USA and Canada, as well as a worldwide option that covers rentals anywhere in the world, including the countries mentioned. The European policy reimburses excess charges in countries such as France, Germany and Spain, among others.

Additional policy benefits

In addition to excess reimbursement, the policies include cover that is often excluded from car hire companies' offers. These include protection for damage to the roof, windows, tyres, undercarriage and headlights. Misfuelling and car key loss are also covered, with a limit of £500 per claim in each case. The policy allows up to seven additional drivers per rental without the need to add them individually to insurance4carhire. Policies can be purchased up to 364 days in advance or just before collecting the vehicle.

Claims handling and customer service

The company has a claims procedure for policyholders who have suffered damage to or theft of the hire vehicle and have purchased an insurance4carhire at Swinton excess policy. Customer service is provided via live chat, with opening hours Monday to Friday 8:30am to 8:30pm and Saturdays 9am to 5pm. Existing customers can contact the company through the Swinton Insurance website. For press and media enquiries, there is a dedicated email address exclusively for accredited journalists or corporate information requests, with no access to policy data or direct customer service.

Guides and resources for drivers

The company's website includes a guides section aimed at helping users understand car hire costs, driving in high temperatures and driving hire vehicles abroad. These materials are designed to make it easier to interpret rental agreements and offer practical tips before getting behind the wheel.

Regulatory framework and corporate details

insurance4carhire is a trading name of Atlanta Insurance Intermediaries Limited, authorised and regulated by the UK Financial Conduct Authority under firm reference number 309599. The company is registered with number 756681 and its registered address is Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB. The company offers a 14 working day cancellation period, provided that a rental agreement has not already been taken out and no claim has been made or is intended to be made.

Location and contact

Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB