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Self drive hire insurance is vital if you rent out a vehicle to members of the public. Policies are primarily made up of motor insurance, which covers the driver and your vehicle while it is in use under a rental contract. Not only is it a legal requirement, but it provides peace of mind that your investment is protected if the worst happens.

Unlike pay-as-you-go self-drive hire insurance, our comprehensive annual insurance not only includes the motor insurance element but also provides off-hire cover. That means you and other named drivers are insured if you want to use the vehicle without a rental contract.

  • Full annual comprehensive cover
  • Unlimited hires and mileage
  • Theft by hirer cover
  • EU cover
  • 21-75-year-old drivers
  • Excess from only £500

The S-Tech Difference

S-tech difference 1

Our sister company Alan Boswell Group is a self-drive hire insurance specialist. We’ve been arranging insurance cover for businesses for more than 30 years and have access to a panel of the country’s leading insurers.

Our dedicated team looks after self-drive hire clients from across the UK; everything from large fleets of commercial hire vans, to small family-run motorhome hires, from storage companies who also offer their customers a hire van, to splitter vans taking bands on tour. We can even help you with claims, supporting you through the process.

Self-Drive Hire Insurance in detail

We arrange self-drive hire insurance for a selection of vehicles, including motorhomes, campervans, splitter vans, horseboxes, prestige cars, classic cars and vans. We also offer self-drive hire breakdown cover, liability cover and legal expenses insurance to cover all your needs.

With us you’ll get fully comprehensive annual insurance for your vehicle(s) while on hire or static at the home or business address.

  • No surprising costs The premium you pay will cover as many hires as you wish with no limit on mileage
  • Fire cover Some motorhomes and horseboxes can get additional cover for fire damage caused by cooking and heating risks.
  • Entertainers welcome We can offer splitter van cover without restrictions on people in the entertainment industry.
  • EU cover Can be included free of charge.

We won’t expect you to complete online forms for every hire you arrange; you can hire your vehicle(s) whenever you want to whomever you want within a given criteria.

If you’re not sure about a customer, give us a call, we can guarantee you’ll be talking to helpful specialists from our exclusive self-drive hire insurance team.

There are also additional covers available that we would recommend:

  • Breakdown cover UK and EU use available.
  • Commercial Legal Expenses Covers a variety of legal issues including motor disputes, contract cover and tax investigations. Also gives access to a legal helpline 24/7/365.
  • Liability Whether you're running your business from your home or from a commercial unit, you risk being sued if a visitor is injured on your premises or by your vehicle. Liability insurance will cover the subsequent legal expenses and compensation claims.

In the event you need to make a claim, you will be assigned a dedicated claims handler who will understand the importance of getting the vehicle back on the road with minimal disruption.


  • Self drive hire insurance is a specific insurance for vehicle hire companies. Businesses that want to rent out their vehicle(s) must have an insurance policy to cover them when a vehicle is out on hire and give cover when it’s not on hire as well. Something a standard vehicle policy cannot offer. A vehicle rental company must have Self Drive Hire Insurance.

  • We will normally be able to indicate a premium immediately by call our self drive hire insurance team 

  • We can cover self-drive hire risks in most regions of the UK subject to insurer’s acceptance.

  • Yes. In most cases we can arrange for you to pay for your self drive hire policy in six or ten monthly installments at competitive rates. Credit terms are subject to acceptance of your application and full written details are available on request.

  • The main factors include the type of vehicle involved, the value of the rental vehicles, the area of the country in which your operation is based and the claims history of the business.

  • As long as they pay the deposit via a cleared and traceable method. This can include Paypal, bank transfer, credit or debit card. Even a cheque is acceptable as long as it is cleared before the vehicle is hired.

  • Yes. You must verify the hirer’s identity using a form of photo identity such as a passport and two recent utility bills (dated within 60 days) sent to the same address as on the driving licence. You also need to take a copy of their photocard driving licence and a rental agreement must be completed per hire per driver.  We recommend all evidence obtained is kept for a two year period in addition to the rental agreement and proof of the hire deposit payment.

  • ‘Off-hire cover’ means insurance for your hire vehicles when not on hire – for example, when being driven by an employee of the business or when parked at your premises. We automatically include this cover at no cost to you.

  • Usually there will simply be an increased excess for the hirer, however sometimes you may need to charge an additional premium. The precise terms will be confirmed on a case-by-case basis.

  • A co-insurance clause makes you responsible for a proportion of any loss. For example, a 25% co-insurance clause would mean that you are responsible for a quarter of any loss with the insurer covering the remaining 75%. On self-drive hire insurance policies, a co-insurance clause is often applied to ‘theft by hirer’ and, in the case of motorhomes, campervans and certain horseboxes, fire damage claims caused by cooking or heating appliances.

  • You may be required to pay a ‘minimum and deposit premium’ even if you don’t complete the first year of cover or change to a vehicle that commands a lower premium. Insurers normally remove this on your first renewal.

  • Theft may occur when a hirer fails to return a vehicle at the end of a hire period or treats the hired vehicle as his or her own property – for example by selling it to another party.

  • Your excess will vary depending on the type of vehicle, age of driver and the track record of your business. The minimum excess on our self-drive hire insurance policies is generally £500, which applies to most damage claims. A co-insurance clause of between 25% applies to theft claims and fire claims caused by cooking and heating appliances.

    High value and performance vehicles will generally have a higher excess but these will be shown in your quote. The policy will generally include an additional excess for young drivers, typically £300 for a driver aged between 21 and 24 years.

  • We can arrange self-drive hire insurance for most types of vehicle including motor homes, motor caravans, camper vans, horseboxes, splitter vans; everyday car and van rental. We can also consider some prestige vehicles and supercars, although these are subject to more stringent terms and conditions

  • No. We realise that you need to concentrate on hiring your vehicles and don’t want to be swamped by paperwork so we try to keep this to a minimum. In most cases you will be able to continue to use your standard hirers form but the insurer may want to vet this to make sure it contains acceptable and compliant wording.

  • Yes. We realise that you need an insurance partner with a flexible and realistic approach to help you maximise value from your self-drive hire fleet. We contact the insurer directly and get a swift response so you won’t miss the opportunity to hire.

  • Yes. Generally, drivers aged between 21 and 75 will be accepted at normal terms provided they have held a full license for at least 2 years and have a good driving record. Drivers aged over 75 may be accepted but at a higher rate. For splitter vans, performance cars or high risk vehicles there may be further age restrictions applied.

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01603 649744
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