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Please note that any rentals that have already commenced will not be covered. You must not sign the rental agreement until the cover has commenced as per the certificate of insurance in order for your policy to be valid

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Car Hire Insurance

Car Hire Insurance

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Demands and Needs Statement

This policy is suitable for any individual renting a car from a rental company where you are liable to the rental company for any damage to the rented car during the rental period.

You can purchase a daily policy covering a single rental (including cover for business trips) or an annual policy covering unlimited leisure rentals in the period of insurance.

What you get

  • Annual policy covers you for unlimited rentals, with an Annual Aggregate limit of €10,000
  • Option to increase the cover €75,000 where you need full Collision Damage Waiver
  • Includes cover for tyres, windscreen, under body, towing and loss of use plus other benefits
  • Policy includes cover for vehicles hired in your home country
  • Covers hired cars and MPVs up to 9 seats (excludes cover for motor homes, minibuses and vans)
  • Great optional extras to extend cover including Extended Rental, Dual Lead Driver & Battery Failure Cover


  • You must be aged between the ages of 21 and 84 years old.
  • Hold a valid internationally recognised driving licence or permit for the hire vehicle. This must be valid in the country in which you are travelling.
  • You must be a permanent resident in the European Economic Area (EEA) excluding UK, Channel Islands, Isle of Man or Gibraltar, at the time of purchase of this policy.
  • This policy covers cars with a maximum of 9 seats (including the driver), with a maximum value of €100,000 at the hire agreement’s start date and is a maximum of 20 years old since the date of first registration.

What’s Excluded

  • The annual car hire policy will not cover you for any loss arising from your occupation or profession. You will need to purchase a daily policy to be covered for this.
  • This policy will not cover any rental that has already commenced.
  • This policy will not pay any claim for third party death, injury or property.

No hidden fees or credit card charges and great customer service

Riverside Malta and our UK sister company Questor Insurance has been providing car hire insurance to our clients for more than 13 years. We pride ourselves on great customer service (take a look at our reviews). We are there with you every step of the way including help if you have a claim.

Buying car hire insurance from Riverside Malta will also save you money and provide a wide range of cover and benefits compared to buying the excess waiver offered by some car hire companies.

Claiming under this policy could not be easier. An online claims system allows you to submit your claim and supporting documents at a time to suit you. No need to call, simple, efficient and designed to make the process of making a claim as simple as buying your annual or daily car hire excess insurance - exactly the way it should be.

Did you know our claim handler has received a TrustPilot score of 4.7/5?

Please read the Policy Documents for a full list of all exclusions relating to this policy.

This policy meets the needs of any person renting a car with up to 9 seats from a car rental agency. The policy covers the renter’s liability to the car rental agency for loss or damage to the rented car up to the limit shown on the certificate of insurance.

This policy can be purchased as a single trip policy, covering a single rental up to a maximum of 180 days in length. It can also be purchased as an annual policy, covering unlimited rentals up to a maximum of 31 days in length per individual rental agreement. You can increase this to 62 days by purchasing the extended rental cover optional extra.

You must be at least 21 years of age and no more than 84 years of age at the time of purchase.

Trips for business purposes will only be covered on a single trip policy.

Dual Lead Driver

Allows two people to be named on the certificate of insurance as lead drivers and rent vehicles independently. Both persons must be close residents and permanently reside at the same address as listed on the certificate of insurance. They will be deemed as joint policy holders.

Extended Rental Cover

Extends the maximum limit from 31 days to 62 days per single trip on our annual policy.

Battery Failure

Covers you for any costs relating to the replacement of the hire cars battery during the rental period.

Collision Damage Waiver Insurance

Increases the amount insured from €10,000 to €75,000 for any loss or damage to the hired vehicle.


Means all countries which are members of the EEA: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom. And countries to the west of the Ural Mountains, including, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, and the Azores.


Anywhere in the world apart from Afghanistan, Belarus, Cuba, Conga, Iran, Iraq, Ivory Coast, Liberia, Myanmar, North Korea, South Sudan, Sudan, Syria and Zimbabwe. No cover is provided for claims arising as a direct result of a situation highlighted by the Foreign and Commonwealth Office where you have hired a vehicle in a specific country or area where, prior to the vehicle hire agreement commencing, the Foreign and Commonwealth Office has advised against all (but essential) travel.

When purchasing an annual insurance policy, customers can select an option to automatically renew their policy each year. This will allow our customers to have peace of mind knowing they have continuous cover in place. If selected, the customer’s policy will automatically renew each year on their expiry date. Policies will not automatically renew if the policy holder has previously advised us that they no longer wish their policy to auto-renew or they are no longer eligible for cover.

Renewal reminders will still be sent to the policy holder prior to the expiring policy’s renewal date to remind them that this policy is due to be renewed and confirm the renewal premium. We will also highlight if the renewal premium has changed, or there have been changes made to the terms and conditions of their policy.

Renewal premiums will again be collected from the specified credit or debit card that was originally used when setting up their policy.

We are entitled to assume, at renewal, that the policy holder’s details have not changed and they have the consent of the credit or debit card holder, unless the policy holder informs us otherwise. We will, through our administrative bank, charge the payment details to the credit or debit card held on record for the renewal premium due.

Policyholders should also be aware that we can only automatically renew this policy when:

  • They have made us aware of any changes to their circumstances and/or information previously provided, if any;
  • The credit or debit card details we have on record have not changed; and
  • The credit or debit card holder has given his or her consent for his or her card being charged at renewal.

If we are unable to auto-renew this policy (for example, due to payment card failure) or if the policyholder no longer meets the eligibility criteria for auto-renewal, we will notify the policyholder of this at least 14 days prior to the renewal date.

All persons to be covered under this policy are:

  • Aged between 21 and 84 years old.
  • Hold a valid internationally recognised driving licence or permit for the hire vehicle. This must be valid in the country in which you are travelling.
  • A permanent resident in the European Economic Area (EEA) at the time of purchase of this policy excluding residents of United Kingdom, Jersey, Guernsey, Isle of Man or Gibraltar.

Additional Information:

  • This policy is operative when the Policyholder or any other person named as lead driver on the certificate of insurance is shown as the lead driver on the rental agreement
  • Only rentals starting and finishing during the period of insurance are covered.
  • This insurance excludes rentals that have already commenced.
  • This insurance is only available to persons permanently resident in one of the countries listed below.
  • The contract of insurance is subject to Malta jurisdiction.

Claim Procedure

Our claim handlers, Orchard Administration have set up an online submission process to make it quick and easy to submit your claim. Please go to Orchard Administration, you will need your certificate number and policy recall code, both of which are shown on the certificate of insurance.

We are here to help

If after submitting your claim you encounter any service issues please feel free to contact us. Our staff have access to the claim systems and we can exert pressure to move matters along.

This insurance is provided by Riverside Insurance Agency Malta Limited (Malta Company Registration Number C94792 whose registered address is 102 Suite 3 St. Catherine Street Attard ATD 2605 Malta). Riverside Insurance Agency Malta Limited is authorised to act as an Insurance Agent under the Insurance Distribution Act and is regulated by the Malta Financial Services Authority of Triq-l-Imdina, Zone 1, Central Business District, Birkirkara, CBD, Triq L-Imdina, 1010, Malta.

This insurance is underwritten by Fortegra Europe Insurance Company SE (Malta Company Registration Number SE 17). Fortegra Europe Insurance Company SE is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business and is regulated by the Malta Financial Services Authority of Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta.