cdwsli.com - Car Hire Excess Insurance. Annual rental waiver protection.

cdwsli.com – Car Hire Excess Insurance Review

Policy name	CDWSLI insurance. Daily and annual policies available.
Price	From £6.99 a day (daily, worldwide policy) and from £119 per year (for yearly, USA and Canada policy).
Number of trips/days covered	Up to 62 continuous days under one rental.
Area covered	Worldwide in the worldwide policy, or USA/Canada in that policy.
What is covered?	Covers damage, theft and loss of use of the rental vehicle- up to US$ 100,000 Supplemental Liability Insurance (SLI) covering third party liability up to US$1 million (or equivalent in local currency). Covers damage to windows/glass, tyres/wheels, undercarriage and roof up to US$4000 (or equivalent in local currency).
Amount of cover	Excess as declared in the rental agreement is covered, and loss damage waiver of up to US$100,000 or the value of the car or the value of the claim (whichever is the lesser amount).
Multiple drivers covered?	Yes. The policy covers the policyholder, plus any other persons named on the car rental agreement.
Rentals in home country covered?	Yes, but not by residents of the USA, Canada, the Caribbean or South/Central America in their country of residence.
Rentals near home covered?	Yes.
Restrictions on drivers’ ages?	Drivers must be between 21 and 74.
Additional items included	Restitution of holiday: $25 per day if the rental is cancelled or cut short on medical advice. The rental must be for at least 7 days. You must be confined to hospital/a hotel/private accommodation on the relevant day(s). Maximum amount payable per claim is $300. Drop off charges: Up to $300 for drop off charges you incur by being in hospital when you were meant to drop off the car. Lock Out Cover: Up to a maximum of $60 for costs incurred if you’re unintentionally locked out of the car, as long as you use an approved locksmith. Supplemental liability insurance is included.
Small print/exclusions to beware of	You are not covered for: Driving by people who are not named on the rental agreement. The rental of “Expensive or Exotic” vehicles not considered to be a conventional and usual rental vehicle, or “Antique” vehicles, which are over 20 years old or which have not been manufactured for 10 years or more. Any vehicle with a retail purchase price above US$ 100,000 (unless specifically agreed by the underwriters (minimum of 4 working days) prior to rental). The rental of certain vehicles, namely: motor homes, trailers or caravans, trucks, commercial vehicles, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles, vans and vehicles with more than 9 seats (unless specifically agreed by the underwriters). Losses occurring from driving whilst not on a public highway or while taking part in racing competitions, rallying or speed testing. The policy must have been purchased before the start of the car hire agreement that you wish to cover.
Policy underwritten by	Chartis Insurance UK Limited. *(Note that cdwsli.com is part of insurance4carhire.com).*
Procedure for claiming	You must contact Travel Guard (the claims handling agent) within 31 days of the loss/damage to notify them and request a claim form to be sent to you by email, fax or post. Alternatively, a claim form can be downloaded from the website. You must fully complete, sign and date the claim form and return it with all supporting documentation:- 1. Copy of your certificate of insurance 2. Copy of rental agreement 3. A copy of your charge receipt (if separate from the rental agreement) 4. A copy of the law enforcement / police report (if applicable) f5. Your copy of the car hire 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 involved in the accident (the driver) 9. Name and address of your bank together with the sort code and account details. This will facilitate payment, as the insurance company prefers to make the payment directly to your bank.