Car Hire Excess Insurance - Car Rental Excess Insurance
Protect yourself against paying the excess if you have a scrape in your hire car abroad with car rental excess insurance. Car rental insurance covers your rental car excess payment - which could cost up hundreds of pounds - when you take out a hire car.Selecting the "get a quote" button will direct you to Insurance 4 Car Hire.
Posts Tagged ‘Rental car insurance coverage’
Getting an insurance for car hire quote
If you’re looking for an insurance for car hire quote, then you are probably only too well aware that the typical insurance that comes with your car rental perhaps provides only some of the cover that you may wish to have when driving a rental car.
What you may find is that you could still be liable for some of the repair costs if you were to damage the rental car during the period of your hire.
That is because car hire insurance tends to carry an excess. So, if you damage the car this could mean you having to fork out up to £1600 as your contribution to repair costs.
The car hire company will typically offer additional insurance cover known as excess insurance when you pick up your rental car.
This may also cover you against having to pay for damage to other parts of the car, which are typically not covered by the basic collision damage waiver cover.
This could be an additional cost that may bump up the price of your hire quite considerably. Understandably, you may be keen to spend as little as possible on this additional insurance.
Buying car excess insurance from the car hire company is certainly an option and nobody can claim that it is anything other than convenient.
You do have options though and using one of the independent online car hire insurance specialists may be the answer.
Getting an insurance for car hire quote may be the first step on the road to you getting the cover you need and at a price that makes sense.
Rental car insurance coverage
Rental car insurance coverage is often seen as essential by drivers travelling abroad for business or pleasure. Some may be uneasy about the thought of taking a vehicle on foreign roads they are unfamiliar with, possibly driving on what is the ‘wrong’ side of the road for them while facing unfamiliar traffic signs and directions.
But anyone who has rented a car before will know that while it is easy to sign up to an insurance deal provided by the rental company, there will nearly always be an excess.
As with other forms of insurance, car insurance excess is an initial fee you agree to pay before the insurance kicks in properly. So if the policy has an excess of £300 pounds and there is an incident which damages the car to the tune of £600, the policyholder will be liable for the first £300 in costs.
When you take out a rented car insurance deal, attached to it the excess can be anything from a couple of hundred pounds all the way up to over £1000 depending on the country and the type of vehicle. This can mean you may end up paying out a considerable amount of money even though you have an insurance policy covering the car.
Rental car insurance coverage can therefore sometimes make drivers uneasy as they know they are driving an unfamiliar vehicle on unfamiliar roads with an excess hanging over them. However, it is possible to take out excess insurance which will protect you in the event you do have an accident or suffer a theft.
This is a kind of independent policy which is like a bolt on to the insurance the rental company will provide. You can take it out before you travel and some companies even allow you to cover yourself for up to a year, guarding your excess on a number of trips.
So in the event of an accident or theft the rental car company may take the excess off your credit card automatically – and you can then apply on your independent excess insurance to have this refunded.
Rental car insurance coverage therefore need not always come with that irritating catch of an excess, and for what is often a competitive price, you can protect yourself against even this unwanted charge while you get on with enjoying your holiday or business trip.