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xswaiver.com – Car excess waiver review

Policy name Car Rental Excess Waiver Insurance.
Price Daily policy from £2.80 per day, annual policy (Europe 31 days) from £40.
Number of trips/days covered Choice of 31 or 60 days per rental when choosing an annual policy.
Area covered European or worldwide policies available. The worldwide policy excludes the USA and Canada.
What is covered? Covers the excess on theft of and damage to the rental vehicle, including damage to windows, tyres, the undercarriage and the roof.
Amount of cover Excess up to £2,000 (or the equivalent in local currency) per claim and up to £3,000 (or the equivalent in local currency) per year.
Multiple drivers covered? Yes. Covers the policy holder and all additional people specified in the rental agreement.
Rentals in home country covered? Yes.
Rentals near home covered? No. Rentals must be more than 150km from your home.
Restrictions on drivers’ ages? Drivers must be between 21 and 74.
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).

SLI cover available (useful for trips to USA/Canada).
Small print/exclusions to beware of You are not covered for:

  • The rental of “Expensive or Exotic” cars not considered to be a conventional and usual hire car, and “Antique” cars, which are over 20 years old or which have not been manufactured for 10 years or more.
  • The rental of any car with a retail purchase price in excess of £50,000.
  • 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.
Policy underwritten by Chartis Insurance UK Limited.
Procedure for claiming Contact the claims administrator within 31 days of the incident to notify them of the claim and request a claims form. You may be asked to provide (at your own expense) the following details and documents by email, fax or post:

1. Copy of the insurance document.

2. Copy of the rental agreement.

3. A copy of the charge receipt (if separate from the rental agreement)

4. If the incident by law requires the attendance of the police, a copy of the police report may be required.

5. A 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 driving the hire car involved in the accident.

9. Name and address of your bank together with the sort code and account details. This will facilitate reimbursement directly to your bank.

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