Insurance & Protection Policies for your Car Hire - Sixt FAQs

For your protection and peace of mind, Sixt includes a variety of insurance policies for your car rental so you can select the ideal package for your comfort and experience. See below a list of our most frequently asked questions regarding insurance, but we also offer resources regarding commercial claims and roadside protection. If we were unable to answer your question, feel free to contact our friendly customer service team here who will be happy to help.

Sixt Car Hire insurance policies

1. Is insurance included with my car rental booking?

When you rent a vehicle from Sixt, Third Party Liability cover for bodily injury and property damage will always be provided, in accordance with the legal requirements. Sixt also includes loss damage waiver (LDW) in all of its UK rates.

2. What is LDW (Loss Damage Waiver)?

Loss and damage waiver is a cover.  It relieves any or part of the customer's responsibility for loss of or damage to the rental vehicle, provided the vehicle is used in accordance with the terms of the rental agreement. LDW is often offered with a standard excess amount, with an option to reduce that amount with additional cover (Top Cover LDW or Super Top Cover LDW).

3. Can I reduce OR remove my excess amount?

Sixt offers protection packages which allow renters to further reduce the excess, by either a proportion or the full amount (Top Cover or Super Top Cover). 


Please see the Terms of Rental for full information of excess reduction options and prices.

4. Does the insurance cover Glass and Windscreen?

Glass and Windscreen is not covered by the inclusive Loss Damage waiver, we offer separate cover for Glass and Windscreen, however should Super Top Cover LDW be selected this would cover all damages to a £0 excess.

5. Is cover available for any injury to the Driver and/or their passenger(s)?

The inclusive Third Party Insurance would provide cover for any injury occurred to any passenger(s) of their rented vehicle (but the Driver would not be covered).

6. What if I am under 25 years of age, do I have to pay extra insurance?

Drivers under the age of 25 are required to pay a Young Driver Surcharge, which currently stands at £36.00 (includes VAT) per day.

7. What about second or additional drivers, are they covered on the insurance? 

All (potential) second or additional drivers need to be added on the rental agreement (RA), so they can benefit from Sixt insurance and protections.  A charge for second/additional drivers will apply.

8. What happens if the vehicle is damaged during my rental period?

If there is new damage that has occurred on the vehicle, this will be noted when the vehicle is returned and you will be charged the applicable cost of repair.

9. When will I be charged the cost of repair for damaged to a vehicle?

Our Damage department will contact you as soon as they can to advise you of the details.

10. Can I use my own insurance for a hire car?

No, it is not permitted to use personal insurance for a hire car unless the hire is on a business account.

What is included in our Protection Programme


Third Party Protection Programme

  • This provides cover for claims made against you for the death or injury of the other party in an accident. Third Party injury liability is unlimited.
  • It also provides cover for damage to their property, (liability limited to £5,000,000). However, the hirer, as the main driver, will be responsible for any costs in excess of this in respect of third party damage.


Damage Protection Programme

  • Damage Protection covers the cost of any repairs to damage on the vehicle caused be yourself (without purposes) or a third party.

Theft Protection

Theft Protection covers the cost of replacing the vehicle or its parts, should it be stolen. All drivers are liable for a damage deposit.


Damage Deposits

With our Protection Programme, we will provide cover for loss or damage to the vehicle but there are damage deposit amounts, which you are personally responsible for. The damage deposit amount you have to pay is shown on the front of the Rental Agreement.


Loss Damage Waiver

  • Loss Damage Waiver removes the drivers responsibility to a part of the vehicle in case of damage or theft. LDW is mandatory in Great Britain unless the customer is from the US or Canada and has insurance cover through their own credit card.
  • Under the Damage Protection Programme you are only responsible for the damage and our reasonable administration fees, which arise when we deal with these matters. However, you still have to pay an amount up to the damage excess amount every time you damage the vehicle or any replacement vehicle and if any replacement vehicle is lost or stolen. If the accident is third party's fault, we will try and recover the cost of the repair to our vehicle from the other party. If we are successful, we will be able to refund all or part of your damage deposit at that time.



Damage Excess Amounts

With Loss Damage Waiver, customer is only responsible for the following amounts in case of loss or damage to the vehicle:

  • £1,000.- for vehicle groups M***,E***,C***,I***,S***
  • £1,500.- for vehicle groups F***, L***, P***, X***

Northern Ireland:

  • £750.- for vehicle groups M***, E***, C***, I***
  • £950.- for all other car groups

Please note: The FAQs within this section refer only to England, Wales and Scotland. For rental FAQs within Northern Ireland or any other country outside of the UK, please refer to the rental information page and select your destination country within the drop-down menu.


Breakdown Assistance: Telephone Number: +44 (0) 344 4 993399

Please note there will be no service charge for calling this number, only landline cost applies.