Car Hire Excess Insurance
Discussion
Admittedly this was in 2017, but I had a very good experience with https://www.carhireexcess.com/
The other driver failed to negotiate a steep Italian hill adequately, and ended up scraping a lot of the bumper/front wing. My credit card (taken by the hire company) was charged £1200. I sent the receipts off to CHE and received a cheque within a few days. No quibbles or hassle. All for £30 as well!
The other driver failed to negotiate a steep Italian hill adequately, and ended up scraping a lot of the bumper/front wing. My credit card (taken by the hire company) was charged £1200. I sent the receipts off to CHE and received a cheque within a few days. No quibbles or hassle. All for £30 as well!
I hire (boring) cars a lot, I look at it as the insurance excess (~£1000) being the same as my vol. excess on my own insurance (e.g. I'm generally only claiming if it's serious).
So the way I look at it I save more by saving the 20-30% increase in hire-car cost vs. taking the excess.
>Fingers crossed< I've only ever had to pay it once in 20yrs of maybe 10-15 rentals a year.
Your mileage may vary... but it's a massive rip-off/upsell (like the £20/day GPS rental - Avis, I'm looking at you) - esp when a lot of current car stock has built-in nav or car-play.
So the way I look at it I save more by saving the 20-30% increase in hire-car cost vs. taking the excess.
>Fingers crossed< I've only ever had to pay it once in 20yrs of maybe 10-15 rentals a year.
Your mileage may vary... but it's a massive rip-off/upsell (like the £20/day GPS rental - Avis, I'm looking at you) - esp when a lot of current car stock has built-in nav or car-play.
SaTTaN said:
I hire (boring) cars a lot, I look at it as the insurance excess (~£1000) being the same as my vol. excess on my own insurance (e.g. I'm generally only claiming if it's serious).
So the way I look at it I save more by saving the 20-30% increase in hire-car cost vs. taking the excess.
>Fingers crossed< I've only ever had to pay it once in 20yrs of maybe 10-15 rentals a year.
Your mileage may vary... but it's a massive rip-off/upsell (like the £20/day GPS rental - Avis, I'm looking at you) - esp when a lot of current car stock has built-in nav or car-play.
I think the OP is looking for a recommendation on the policies you can buy that cover you for a year, rather than the ones added on as a daily charge by the hire company (which are sometimes the same cost as the hire itself).So the way I look at it I save more by saving the 20-30% increase in hire-car cost vs. taking the excess.
>Fingers crossed< I've only ever had to pay it once in 20yrs of maybe 10-15 rentals a year.
Your mileage may vary... but it's a massive rip-off/upsell (like the £20/day GPS rental - Avis, I'm looking at you) - esp when a lot of current car stock has built-in nav or car-play.
The last one I used (before I stopped needing to use hire cars frequently) was with Questor. No experience of the claims process as I never had to claim, but it was £45 for the year.
https://questor-insurance.co.uk
I've used a few providers in the past, the most recent being Leisure Guard. However, I haven't had to claim so I can't comment on that critical part of the process.
Moneymaxim is a useful price comparison site: https://www.moneymaxim.co.uk/car-hire-excess-insur...
Also, the Martin Lewis site has some discount codes if you go direct: https://www.moneysavingexpert.com/travel/cheap-car...
Moneymaxim is a useful price comparison site: https://www.moneymaxim.co.uk/car-hire-excess-insur...
Also, the Martin Lewis site has some discount codes if you go direct: https://www.moneysavingexpert.com/travel/cheap-car...
The travel insurance provided by Revolut on their Metal and Ultra plan has served me well, it’s XCover I think. Had a self inflicted incident in a car park that ran up over a grand and once I got the repair estimate from Europcar (took a week) and gave the other documents I was paid out in 18 hours. Nobody called me back.
To their credit, Europcar also waited until I had all the docs before charging my card so I was only out of pocket for…a day.
To their credit, Europcar also waited until I had all the docs before charging my card so I was only out of pocket for…a day.
scottygib553 said:
The travel insurance provided by Revolut on their Metal and Ultra plan has served me well, it’s XCover I think. Had a self inflicted incident in a car park that ran up over a grand and once I got the repair estimate from Europcar (took a week) and gave the other documents I was paid out in 18 hours. Nobody called me back.
To their credit, Europcar also waited until I had all the docs before charging my card so I was only out of pocket for…a day.
That sounds good but there’s an exclusion for hiring within 200 kilometres of home. That doesn’t work for me.To their credit, Europcar also waited until I had all the docs before charging my card so I was only out of pocket for…a day.
I use https://www.insurance4carhire.com
I was conned in Nice in April, got a thread here somewhere. Claim against me from Europcar was 270 quid, policy id bought for the 4 days was 17 quid.
Hardest bit was getting all of the documentation right, you'll have to admit liability on the claim and settle it with the pre agreed excess then they'll refund the excess you paid.
It took a few weeks but got there.
It's a must do now days.
I was conned in Nice in April, got a thread here somewhere. Claim against me from Europcar was 270 quid, policy id bought for the 4 days was 17 quid.
Hardest bit was getting all of the documentation right, you'll have to admit liability on the claim and settle it with the pre agreed excess then they'll refund the excess you paid.
It took a few weeks but got there.
It's a must do now days.
Edited by fourstardan on Saturday 16th December 17:31
Did many years at a car hire firm, these insurances often don't cover the whole vehicle.
You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
InfamousK said:
Rubbish, I've had a no quibble pay out before from Carhireexcess
Me too. Twice.To be frank, nowadays go to a car hire desk with your eyes open. Wide open. Check everything when you pick up and notify even the slightest blemish before you drive off. If my recent experience with Firefly was anything to go by. Flyb
ds would be more apt. Thankfully I had photos to back up the evidence was there at pick up that saved my wallet.....InfamousK said:
Did many years at a car hire firm, these insurances often don't cover the whole vehicle.
You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
It’s because they aren’t supposed to cover the whole vehicle. None of them claim to do so. It’s car hire excess cover where you are insured up to to the amount in the damage waiver which is commonly £€1500-2000. The car hire company has always been on the hook for the rest.You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
Gibbler290 said:
InfamousK said:
Did many years at a car hire firm, these insurances often don't cover the whole vehicle.
You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
It’s because they aren’t supposed to cover the whole vehicle. None of them claim to do so. It’s car hire excess cover where you are insured up to to the amount in the damage waiver which is commonly £€1500-2000. The car hire company has always been on the hook for the rest.You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
InfamousK said:
Gibbler290 said:
InfamousK said:
Did many years at a car hire firm, these insurances often don't cover the whole vehicle.
You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
It’s because they aren’t supposed to cover the whole vehicle. None of them claim to do so. It’s car hire excess cover where you are insured up to to the amount in the damage waiver which is commonly £€1500-2000. The car hire company has always been on the hook for the rest.You'll find tyres or glass isn't covered, roofs aren't covered, or even the doors aren't covered. Just read the fine print.
If these insurances can do you insurance annually for a year for fifty quid - Do you really think they're that good?
"Excess Reimbursement
We will pay up to the amount stated on the certificate of insurance which you are liable for under your rental agreement
for the following types of claim:
1. Weather related claims
2. Damage caused by fire or explosion
3. Accidental and malicious damage
4. Collisions with animals
5. Theft or attempted theft
If you have purchased an annual policy the limit shown on the certificate of insurance is the total amount you may claim
in the period of insurance.
Loss Damage Waiver
We will pay up to the amount stated on the certificate of insurance which you are liable for under your rental agreement
for the following types of claim:
1. Damage to Tyres, Wheels, Rims and Alloys
2. Windscreen and other glass on the vehicle
3. Damage to undercarriage and roof"
The cover sold by the hire companies does seem to exclude just about anything that might actually get damaged though, certainly I've always recommended to people to buy excess cover from a 3rd party rather than the hire company as it seems much better frankly.
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