Carhire-excess-insurance.co.uk - Comparison of rental waiver cover protection.

car-hire-insurance.co.uk – Comparison of extra holiday waiver protectio

Policy name	Express Car Hire Insurance.
Price	Daily policy £4.50 per day, annual policy (Europe) £49 and annual worldwide from £65.
Number of trips/days covered	Daily policy covers up to a maximum of 62 continuous days. Annual worldwide policies available for multiple trips of up to either 31 or 60 days per rental in the relevant year.
Area covered	European, worldwide and USA/Canada-specific policies available.
What is covered?	Covers excess on theft of and damage to the rental vehicle including undercarriage, windows and tyres.
Amount of cover	Excess up to £2,000 per claim and up to a total of £3,000 per year.
Multiple drivers covered?	Yes, but number of extra drivers depends on policy chosen.
Rentals in home country covered?	Yes.
Rentals near home covered?	No. Rentals must be more than 150km from your home, except if you are taking the daily policy.
Restrictions on drivers’ ages?	Drivers must be between 21 and 74. Special policies are available for drivers between 75 and 85.
Additional items included	Policies are also available that cover two family members, whether travelling together or separately. So, for example, you and your spouse could travel to different countries at the same time, and both be covered on your separate car rentals. Car Rental Key Cover: This insurance also covers you for costs incurred up to a maximum of £500 (or equivalent in local currency), for each and every claim, up to a maximum of £2,000 in any one year, for replacing a lost or stolen rental car key, including replacement locks and locksmith charges. CDW/SLI policy also available (useful for worldwide hire which will include USA/Canada).
Small print/exclusions to beware of	You are not covered for: The rental of vehicles with a value above £50,000, or of vehicles which are more than 10 years old. The rental of certain vehicles, namely: motor homes, camper vans, trailers or caravans, trucks, commercial vehicles, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles and passenger vans and vehicles with more than 9 seats. Losses occurring from driving whilst not on a public highway. Loss or damage to the rental car as a result of its fuel tank being filled with the incorrect fuel type.
Policy underwritten by	Chartis Insurance UK Limited. (Note that www.car-hire-insurance.co.uk is part of insurance4carhire.com.)
Procedure for claiming	In the event of any accidents, proceedings or any other events that may give rise to a claim, you must contact Travel Guard (who administer any claims) within 31 days of the incident – to notify them and request a claim form to be sent to you by email, fax or post. You can also use the email link on the claims page of the website www.insurance4carhire.com to notify Travel Guard. You must fully complete, sign and date the claim form and return it with all supporting documentation – outlined below – by email, fax or post: 1. Copy of your insurance policy. 2. Copy of the car rental agreement. 3. A copy of your charge receipt (if separate from the rental agreement) 4. If the incident by law requires the attendance of the police, send a copy of the police report. 5. Your copy of the rental company’s accident damage report. 6. Invoices / receipts / other documents confirming the amount you have paid in respect of accident / damage / loss etc. for which the car hire company holds you responsible. 7. Copy of your credit card statement showing payment of the damages claimed. 8. Copy of the driving licence of the person driving the rented vehicle involved in the accident (the driver). 9. 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.