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          Protect Your Car Hire Excess
Car Hire Excess Reimbursement Insurance
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Don't risk! Remove your Car Hire Excess! What is Car Hire Excess? 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, which is sometimes as high as 1,000 GBP. 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 Car Hire Excess. What is Car Hire Excess Insurance? Most car rental companies will offer to sell you their own Excess insurance, but buying over the counter can cost you up to £12 per day. The policy from Insurance4CarHire is only GBP 4,75 per day and offers you full protection. What’s more, Insurance4CarHire provides cover for window and tyre damage, excluded from most alternative policies. How does the Excess Insurance Work? Insurance4CarHire insures 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. Benefits: • covers Excess on damage to the rented vehicle, Excess on theft; • covers damage to windows, tyres, undercarriage and the roof; • valid worldwide: can be used at all car rental locations and with all car rental compa- nies; • covers the policy holder & all additional drivers; • you choose the start date (up to 6 months in advance). Conditions applicable: • drivers must be aged 21-74 years; • valid up to a maximum of 62 days. Who can purchase the Excess Policy? The Excess policies can be purchased by people resident anywhere in the world. If you travel a lot and often rent cars - Annual European Excess Insurance from only GBP 49,00! What is Annual Excess Insurance? Annual policies from Insurance4CarHire allow unlimited use in the course of the annual cover period. For example, if you hired a vehicle for 20 days in July, you could also hire another vehicle and be fully covered in September, October, December etc. without the need to buy a new policy. What cover is provided by the Annual Excess Policies? Annual Excess policies cover any one incident up to 2,000 GBP and up to 3,000 GBP in any one year. They cover: • Excess damage to the vehicle, including the undercarriage; • Excess on theft; • Window and tyre damage. What are the restrictions on the Annual Excess Policies? • Policy Holders must be aged between 21 and 74 (except for those purchasing the Europe Seniors and Excess Worldwide Seniors policies, who must be aged between 75 and 85. Named drivers can be aged between 21 and 85). • Rentals must not be longer than 31 continuous days except for the Excess Worldwide  60 Policy which allows rentals of up to 60 continous days.• Passenger vans with more than 9 seats are not covered. • It is not valid to rent a car within 150 kilometres of your usual place of residence. For example, you live in London, you cannot rent a vehicle with 150 km of your London home. |
  F.A.Q. on Excess InsuranceMust I take Excess Cover? No, Excess is a voluntary insurance, still it reduces your liability when renting a car. Car Hire Excess Insurance policy from Insurace4CarHire covers you for: Excess on damage to the vehicle, Excess on theft, and damage to windows, tyres, the undercarriage and the roof. Are other people travelling with me covered? Yes, policies from Insurance4CarHire cover the policyholder, who must always be the person renting the car, and all drivers named on the car rental agreement, up to a maximum of seven. Can vehicles such as Camper Vans, Caravans and Motor Bikes be covered? No, Insurance4CarHire does not cover camper vans, caravans, motor bikes, vintage cars or commercial vehicles. The Excess policies cover rental cars and people carriers with up to 9 seats, and with a value up to 100,000 USD. How do I make a Claim on my Excess Insurance? You should contact a claims management compa- ny within 31 days to notify them of the loss and request a Claim Form. Their contact details are contained in your Policy document. You should then complete and submit the claim form, supported by the documentation that is relevant in your case. The full list of supporting documentation is as follows: • Copy of your Insurance4CarHire Certificate of Insurance. • Copy of Car Rental Agreement. • A copy of your Charge Receipt (if separate from the Rental Agreement). • A copy of the Law Enforcement / Police Report (if the incident has been serious enough to merit calling the police). • The Renter's copy of the Vehicle Rental Company accident damage report. • Invoices / Receipts / other documents confirming the amount you have paid in respect of Accident / Damage / Loss etc. for which the Vehicle Rental Company holds you responsible. • Copy of your credit card statement showing payment of the damages claimed. • Copy of the driving licence of the person involved in the accident (the driver). • Name and address of your bank together with the sort code and account details. This will facilitate reimbursement as the insurance company prefers to make the payment directly to your bank. Alternatively you can contact Insurance4CarHire and they will send you the Claim Form and notify their claims management company of the impending claim on your behalf. |
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