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carhire-excess-insurance.com – Rental insurance review

Policy name Excess Insurance.
Price Daily rates from £1.90 in Europe and £2.95 worldwide. Annual European policy £45, annual worldwide policy £55.
Number of trips/days covered Up to 180 consecutive days under the daily policy, and up to 31 consecutive days for any one rental under the annual policy.
Area covered European or worldwide policies available.
What is covered? Covers any excess charged for theft of or damage to the rental vehicle, including undercarriage, windows and tyres.
Amount of cover Excess up to the maximum of £2,000 (or equivalent in local currency) per claim and £3,000 per rental agreement in total.
Multiple drivers covered? Yes.

The policy covers the policyholder, plus any other persons named on the car rental agreement (as long as those other people would have been eligible to buy this insurance themselves).
Rentals in home country covered? Yes, for an additional premium.
Rentals near home covered? Yes, if home country premium paid.
Restrictions on drivers’ ages? Drivers must be between 21 and 84.
Additional items included Lost or stolen car keys – up to £500.

Misfueling cover – up to £500*.

Towing costs – up to £500

(*not including repair or replacement of any mechanical parts or damage to the engine due to use of incorrect fuel).
Small print/exclusions to beware of You are not covered for:

  • The rental of “Expensive or Exotic” vehicles, namely vehicles with a Retail Purchase Price in excess of £50,000 and “Antique” vehicles which are over 20 years old or which have not been manufactured for 10 years or more.
  • The rental of certain vehicles namely, motor homes, trailers or caravans, vans, trucks, non-passenger carrying vehicles, vehicles that carry more than 9 people including the driver, motorcycles, mopeds, motorbikes, off-road vehicles and recreational vehicles.
  • Losses occurring from driving whilst not on a public highway.
Policy underwritten by White Horse Insurance Ireland Limited.
Procedure for claiming Contact AXA Assistance Claims Centre Ltd within 31 days of the end of the rental agreement to notify loss and request a claim form to be sent to you by email, fax or post. You must complete, sign, date and return the claim form with all supporting documentation requested.

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