What Car Hire Excess Might Mean To You
ByIf you have spent time and effort searching for a good car hire deal, it would be a pity if all your work counted for nothing because you forgot about car hire excess protection.
Finding a great deal for car hire does not mean you are able to sit back and relax. Making sure that you’re getting a good deal on your car hire insurance cover without sacrificing levels of cover is typically equally important. Your policy will be subject to policy limitations, exclusions within its terms and conditions.
If you look carefully at the cover provided by the insurance protection included in the rental price of your hire car, you may find that it doesn’t necessarily offer a level of cover that you feel happy with.
Generally you may find that you have to put a certain amount of money towards a claim, called the excess.
There might typically also be parts of the car excluded from your collision damage waiver, for example, such as the:
l tyres;
l glass parts;
l under-body areas.
Therefore if any of these parts are damaged you may have to pay for them along with the excess for the repairs to things that are covered.
Having this charged to your credit card could come as quite a nasty shock. The total costs could easily run into thousands.
Car hire excess cover may help in situations like this.
This type of insurance typically covers all or most of the excess and may cover excluded parts.
Car hire companies will typically try to sell you this kind of insurance protection. However if you shop around you may be able to get the policy cheaper.
This cheaper protection may also typically be available as an annual policy, which you can use for rentals over a 12-month period. This same policy may also provide insurance for other drivers you name.
Purchased from an online provider, car hire excess insurance cover can work quite simply.
If you do cause damage to the hire car then the car hire company will typically still charge your excess contribution to the repair costs directly to your credit card. If that happens, you can then simply claim on you car hire excess protection for reimbursement.
