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Car
rental excess insurance
HIRING
A CAR/ RENTING A CAR?
Insurance
for car rental for Europe, USA and Canada and worldwide from
Insurance4CarHire.com
Do
you know that the Excess can cost more than the car? This
insurance is a great way to save money and have peace
of mind when you rent a car - a great selection of policies
available
Do
you know that it could cost you £500 or more for any damage
to your rental car? EVEN IF IT'S NOT YOUR FAULT!!
For
a low, annual premium, Insurance4carhire.com provides excess
insurance protecting the customer against excess charges whenever
they rent a car.
Your car rental agreement normally includes cover for Collision
Damage Waiver (CDW) and Theft. However you are still liable
for the Excess on CDW and Theft. When a rental car is damaged
or stolen, the driver is asked to pay the first portion of
the repair or replacement costs. This is known as the Excess.
Insurance4carhire covers you
not only for the total amount of Excess for which you are
liable if the car is damaged or stolen, but also for damage
to the roof and undercarriage of the car, and windows and
tyres.
How
our Excess Insurance Works - We insure the Policy Holder,
not the rental vehicle. Excess is a voluntary insurance. Decline
the car rental company's Excess cover at the counter when
you collect the car. If the car is damaged or stolen, the
car rental company will charge your credit card for the Excess
amount and you then claim for reimbursement on your Policy.
Policies
available for 75 - 85 year olds - Are you over
75 and need car Rental Excess insurance? New Products now
available from insurance4carhire
Details here
TYPES
OF POLICIES AVAILABLE
Europe:
Covers Excess on damage to the rental vehicle including the
undercarriage, Excess on theft, and damage to windows and
tyres
Valid at all European car rental locations One low, annual
premium allows unlimited use within the 12 month cover period
Covers the Policy Holder, who must be the person hiring the
car, and all additional drivers named on car rental agreement
Annual
Policy-covering Europe £49 -
BUY
HERE
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Excess
Worldwide 31:
Covers Excess on damage to the rental
vehicle including the undercarriage, Excess on theft, and
damage to windows and tyres
Valid at all car rental locations worldwide where Excess is
charged (Excess is not charged in the USA)
One low, annual premium allows unlimited use within the 12
month cover period
Covers the Policy Holder, who must be the person hiring the
car, and all additional drivers named on car rental agreement
Annual
Worldwide Excess cover - 31 days per car rental agreement
£59 - BUY
HERE
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Excess
Worldwide 60
Covers Excess on damage to the rental vehicle including the
undercarriage, Excess on theft, and damage to windows and
tyres
Coverage for an extended period of up to 60 days on any one
rental agreement
Valid at all car rental locations worldwide where Excess is
charged (Excess is not charged in the USA)
One low, annual premium allows unlimited use within the 12
month cover period
Covers the Policy Holder, who must be the person hiring the
car, and all additional drivers named on car rental agreement
Annual
Worldwide Excess cover - 60 days per car rental agreement
£69 - BUY
HERE
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Europe
Family & Partners
Covers Excess on damage to the rental vehicle including the
undercarriage, Excess on theft, and damage to windows and
tyres
Valid at all European car rental locations
One low, annual premium allows unlimited use within the 12
month cover period
Covers the Policy Holder, who must be the person hiring the
car, and all additional drivers named on car rental agreement
Cover is for 2 Policy Holders, who must be family members
(defined as spouse, partner, parent, brother, sister, adult
child or fiance), travelling together or separately
Annual
Europe Excess Policy covering 2 Family Members - 31 days per
car rental agreement only £79 - BUY
HERE
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USA-Canada
CDW/SLI
Take out annual Collision Damage Waiver (CDW) and Supplemental
Liability Insurance (SLI) before you travel and avoid costly
insurance charges of as much as US $30 per day, sold at the
car rental counter.
Covers the rented vehicle for CDW/LDW (Collision Damage
Waiver/Loss Damage Waiver = damage, theft and loss of use)
up to US$ 80,000
Supplemental Liability Insurance (SLI) covering third party
up to US $1 million
Lock-out provision to cover up to US $60.00 for a locksmith
Covers the Policy Holder, who must be the person hiring
the car, and all additional drivers named on car rental agreement
Annual
policy covering USA and Canada 31 days per car rental agreement
only £79 - BUY
HERE
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Combined
CDW/SLI & Excess
This
policy covers: CDW/LDW (damage, theft and loss of use of the
rental vehicle)and SLI (third party) in the USA, Canada, the
Caribbean and South America: and it covers Excess charges
worldwide. Car rental companies in USA and Canada generally
charge between US$20 and US$30 per day for Collision Damage
Waiver (CDW/LDW) and Supplemental Liability Insurance (SLI).
Car rental companies charge up to £12 a day for Excess at
the car rental counter
Covers the rented vehicle in the USA, Canada, South America
and the Caribbean for Collision Damage Waiver (CDW)/Loss Damage
Waiver (LDW) up to US$80,000
Provides Supplemental Liability Insurance (SLI), in the USA,
Canada, South America and the Caribbean, up to US $1 million
Covers Excess on damage to the rental vehicle, Excess on theft
and damage to windows/glass, tyres/wheels, the undercarriage
and the roof anywhere in the world where Excess is charged.
Covers the Policy Holder, who must be the person hiring
the car, and all additional drivers named on car rental agreement
Unlimited use within the 12 month cover period
Annual
Policy covering SLI & CDW in USA & Canada and Excess worldwide
£129 - BUY
HERE
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Policies
available for 75 - 85 year olds
With
the age of the traveling public increasing, these new policies
will help those aged 75 to 85.
Covers excess on damage to the rental vehicle including the
roof and the undercarriage, excess on theft, and damage to
windows and tyres
Valid at all car rental locations in Europe (and worldwide
for Excess Worldwide 75-85 policy holders)
One low, annual premium allows unlimited use within the 12
month cover period
Covers the Policy Holder, who must be the person hiring the
car, and all additional drivers named on car rental agreement
Europe
75-85 Cost: £65 - BUY
HERE
EXCESS
WORLDWIDE
75-85 Cost: £75 -BUY
HERE
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The
above information has been prepared by Insurance 4 Car Hire
Agents Ltd of Trans-World House, 100 City Road, London EC1Y
2BP England
Jeffrey
Milner Ltd T/A jml Property Services acts as introducers to
Insurance 4 Car Hire Agents Ltd
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Discover
the real costs of car rental excess
April
2007 Insurance4carhire.com is pleased to announce that it
has launched a car rental Excess comparative site
The
site shows the Excess amounts charged by the major car rental
companies, as well as the daily rates they charge to reduce
the Excess.
The information was compiled during April 2007 by Insurance4carhire
staff calling each car rental company's airport location
at the international airport in the capital city of each country
– more than 180 locations in total - and the costs are
based on the daily cost of excess for a compact size car.
The survey was conducted in more than 30 countries across
Europe, South Africa, New Zealand, Australia, USA and Canada.
The car rental companies surveyed are: Alamo, Avis, Budget,
Europcar, Hertz and National
It
clearly and simply shows the consumer:
What
their exposure is to Excess on their rental information
that is often hidden and very difficult to get even when you
call the car rental location
ADVICE
ON CAR RENTAL
Before
you leave home - Ensure
thay you are carrying both your picture and paper driving
licences. The paper licence is essential as it shows any endorsements
you may have.
When
you collect the car:
- Check
the vehicle for damage
- Check
the spare tyre
REMEMBER:
- Most
car rental locations require a credit card
- Most
car rental locations will not accept debit or switch cards
- You
must have held a valid driving licence for one year
- British
licence holders should note that many car hire outlets will
not release the rental vehicle on sight of a photocard driving
licence without also seeing the paper licence counterpart.They
may also ask to see the paper licence counterpart of all
named drivers.
- Always
ask what is included in the rates quoted
- Never
initial or sign an agreement without asking about each item
- Do
not over insure. If you have travel insurance you do not
need personal effects or personal accident insurance
- Pre-purchase
or Pre-reserve your car rental
- Purchase
from agents within your own country in case you need refunds
or assistance
- When
you pick-up your vehicle determine where the drop off point
is for your return
- Ask
if the return area has an attendant. If not, who do you
return the car to?
- If
you leave the vehicle without check-in, examine it for damage
and photograph it from every angle.
- Drink
drive laws vary from country to country - for example in
Italy if you have a glass of wine and a grappa with dinner
and you are stopped by the police - you will be fined.
- Know
your speed limits - these vary from country to country.
- Speed
/ Radar cameras certainly apply to rental cars as well!
The rental company will be notified and the renter contacted
by the authorities. Speed traffic camera information is
now being sent from one country to another. e.g. someone
caught speeding with a French registered car in Italy will
find that the fine will be reported to the French authorities
if it is not paid.
- Check
with the Hire company if you can take the car out of the
country you are renting in.e.g. Going from France into Italy
or if renting in Ireland can you take the car into Northern
Ireland or into the Republic of Ireland.
The
above information has been prepared in association with information
from Insurance 4 Car Hire Agents Ltd
See
also
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At
the World Travel Awards 2005 insurance4carhire
won: World’s Leading Innovative Ecommerce Travel Product,
for the second year
Additional
Warning: Many car hire companies encourage the hirer to return
the car empty. If you were to refill this yourself before
taking it back, it is more than likely it would cost you less
than the fuel deposit you paid when you took out the rental.
If
you are renting a car via a company like Holiday
Autos you will be provided with a voucher that you
will have paid for in advance on line.
You
then present the voucher to the car rental company. Some car
hire companies will "swipe" your credit card so
the details are stored on their computer, but will not actually
debit your card at that stage. This is rather like when you
book into a hotel.
They
are taking your card details in case of accident, or any additional
charges that are levied at the end of the rental like - out
of hours collection - fuel charges - insurance etc.
Other
companies will immediately debit your card as either they
do no have this "swipe" and store facility or it
is their policy to debit the account to cover a deposit, fuel
charge etc. The downside to this is, if you are in a different
currency e.g. renting in a "euro" currency country,
but coming from the UK, Switzerland or the USA for example,
your bank back home will charge for the conversion onto your
card. On top of this exchange rates vary, so when you return
the car and they "credit" your card again apart
from being charged an exchange commission by your card/bank
provider, the rate of the dollar, euro, Swiss franc might
have gone up or down.
Unfortunately
there is nothing you can do about this and the system does
vary from company to company.
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See
also: Renting
a Car Can Prove More Expensive Than Originally Budgeted For
Annual
Car Rental Insurance Renewal is here again
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