essentialtravel.co.uk - Car hire excess insurance. Annual waiver comparison.

essentialtravel.co.uk – Car excess insurance policy review

Policy name	Essential Travel Car Hire Excess Insurance. Daily and annual policies available.
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Price	From £1.94 a day (daily, Europe policy) and from £39.62 per year (for yearly, Europe policy).
Number of trips/days covered	Under the daily policy, a maximum of 180 continuous days. Under the annual policy, a maximum of 31 continuous days in any one rental.
Area covered	UK, European or worldwide cover available.
What is covered?	Your policy covers you for theft, loss or damage to any vehicle that you rent during the period of insurance, including tyres, windscreen and undercarriage. This includes Supplementary Liability Insurance (SLI) where the cover provided in the local territory is inadequate.
Amount of cover	Theft, loss or damage to the vehicle that you hire up to £2,000 per incident/ £3,000 per car rental agreement, increasing to $80,000 for rentals outside of Europe.
Multiple drivers covered?	Yes. The policy covers the policyholder, plus any other persons named on the certificate of insurance and the car rental agreement (as long as those other people would have been eligible to buy this insurance themselves).
Rentals in home country covered?	Yes.
Rentals near home covered?	No. Rentals in your home country must be at least 150km away from your home address.
Restrictions on drivers’ ages?	Drivers must be between 21 and 84.
Additional items included	NB Gold policy includes SLI cover (useful for rentals in the USA and Canada in particular).
Small print/exclusions to beware of	You are not covered for: Driving by people who are not named on the rental agreement. The rental of “Expensive or Exotic” vehicles not considered to be a conventional and usual rental vehicle, or “Antique” vehicles, which are over 20 years old or which have not been manufactured for 10 years or more. Any vehicle with a retail purchase price above US$ 80,000 (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. The policy must have been purchased before the start of the car hire agreement that you wish to cover.
Policy underwritten by	White Horse Insurance Ireland Ltd.
Procedure for claiming	You must contact White Horse Administration Services Ltd 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) for damage / loss over £50.00 5. 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.

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