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Excess casualty insurance is designed to cover events that happened when the policy was in force but that may not be discovered until years later. That means a customer's coverage is only as good as the ability of the insurer to stay in business and be around when a claim is finally made.
Put simply, if you hire a car and it gets damaged or stolen, the âExcessâ (sometimes called the âDeductibleâ) is the amount of money you have to pay the rental company upon returning the vehicle.ar hire excess insurance is an optional insurance policy, which protects you against any excess charges you may incur should your hire car become damaged or stolen. Other terms commonly used to describe car hire excess insurance include excess insurance, excess waiver insurance and Super CDW.