Excess Reimbursement Insurance
Excess reimbursement insurance flips the usual model around. Instead of paying the rental company to lower your excess, you buy a cheaper policy — often from an independent insurer online — and if you do get charged for damage, you claim that money back afterwards.
The mechanics matter: with this cover you still pay the agency first, and the deposit can still be taken from your card. You then submit the rental agreement, the damage invoice and photos to your own insurer, who reimburses you up to the policy limit.
It is usually far cheaper than the desk-sold Super CDW, and a single annual policy can cover multiple trips if you rent often. The trade-off is paperwork and a short wait for your refund.
It pairs well with a Moroccan rental where the agency insists on its own excess: you keep their cover for legal reasons and let the reimbursement policy protect your wallet.
Related terms
Excess (Deductible)
The maximum amount you pay out of your own pocket for damage or theft before the waiver covers the rest.
Super Collision Damage Waiver (SCDW)
An upgrade that shrinks your excess to a small amount — sometimes to zero — for an extra daily fee.
Collision Damage Waiver (CDW)
A waiver that caps what you pay if the rental car is damaged in an accident — though usually not down to zero.