dailyexcess.com – Car rental excess review
| Policy name | Loss Damage Waiver Excess Reimbursement Insurance. | |
| BUY IT HERE! | ||
| Price | £4.75 per day. | |
| Number of trips/days covered | Up to a maximum of 62 continuous days. | |
| Area covered | Worldwide cover. | |
| What is covered? | Covers excess on theft and damage to the rented vehicle, including damage to windows, tyres, undercarriage & the roof. | |
| Amount of cover | Excess up to £2,000 per claim and up to a total of £3,000 per year. | |
| 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). |
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| Rentals in home country covered? | Yes. | |
| Rentals near home covered? | Yes. | |
| Restrictions on drivers’ ages? | Drivers must be between 21 and 74. Special policies are available for drivers between 75 and 85. | |
| Additional items included | Baggage Cover:
Cover for theft of, or damage to, baggage and/or personal belongings provided the items in question were in either a locked boot or glove box only. Cover is for £300 in total for any one claim and, within that, £150 for any single item. If you can’t provide an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) for the lost item then the maximum payment for that item is £75, and a total maximum £200 for all such items. (Note that cover does not extend to cash or valuables. Note also that claims must be reported to an appropriate police authority within 24 hours of discovery and an official police report obtained, and evidence of forced entry must be confirmed by the hire car company and/or police. Note also that the insurance will not pay out if your loss is recoverable under any other insurance, so if you already have separate travel insurance, this baggage cover inclusion is not a great benefit in your car hire excess policy). Car Rental Key Cover: This insurance also covers you for costs up to a maximum of £500 (or equivalent in local currency), per claim, subject 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. |
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| Small print/exclusions to beware of | You are not covered for:
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| Policy underwritten by | Chartis Insurance UK Limited.
(Note that www.dailyexcess.com is part of insurance4carhire.com.) |
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| 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. |
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