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  • FIRST POST
    • richy4
    • By richy4 20th Apr 17, 10:22 PM
    • 74Posts
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    richy4
    Urgent help - car hire damage (UK)
    • #1
    • 20th Apr 17, 10:22 PM
    Urgent help - car hire damage (UK) 20th Apr 17 at 10:22 PM
    I hired out a car with easirent just for 2 days locally in UK as I do not have my own car.

    Whilst I was out shopping today, I returned to the car (Fiat 500x) and it has its rear right hand side bumper on the corner dented in.

    I have no idea where or how the damage occurred and I'm fairly confident I didn't do it myself!!

    Absolutely livid and obviously very worried about what the car hire company will do/say?

    I return the car tomorrow night, I have got a £1250 excess with easirent however I did purchase car excess insurance from Leisure Guard, as advised on MSE website.

    Has anyone got any experience on how to handle this??

    Should I inform the car rental ASAP to report it? Or just wait till I return it to see what they say? Similarly, when should I make the claim for the excess amount?

    Am I right in thinking that the £1250 excess will be totally covered by my Leisure Guard policy?
Page 1
    • rich13348
    • By rich13348 20th Apr 17, 10:27 PM
    • 721 Posts
    • 392 Thanks
    rich13348
    • #2
    • 20th Apr 17, 10:27 PM
    • #2
    • 20th Apr 17, 10:27 PM
    Report the incident to hire company asap. You will be responsible for excess until you claim from the insurance company, who you should also notify. Your terms and conditions will tell you for how much you can claim. And here they are
    You claim up to £6000 so your £1250 should covered. Also it tells you what you need to make a claim and who to make that claim to. As I said above you will have to pay the £1250 first if the hire company want that while amount
    Last edited by rich13348; 20-04-2017 at 10:37 PM.
    • AndyMc.....
    • By AndyMc..... 20th Apr 17, 10:32 PM
    • 359 Posts
    • 224 Thanks
    AndyMc.....
    • #3
    • 20th Apr 17, 10:32 PM
    • #3
    • 20th Apr 17, 10:32 PM
    All here. https://leisureguard.insureforcars.com/docs/Policy_Wording.pdf
    • richy4
    • By richy4 20th Apr 17, 10:40 PM
    • 74 Posts
    • 10 Thanks
    richy4
    • #4
    • 20th Apr 17, 10:40 PM
    • #4
    • 20th Apr 17, 10:40 PM
    I'm going to take it over to the hire company tomorrow to show them in person/report it.

    On the 'condition report' form I was given, the 'damage policy' says a dent is anything 'up to excess value'. I estimate the damage to be about £200-500 tops. It is literally a squashed in bumper (plastic) and a few scratches to the plastic!

    So how does this work, they charge the excess (all or in part) to my credit card, then I eventually get it all reimbursed by the insurance I took out?

    I can imagine this is going to be a very lengthy process! Almost tempted to find a garage and spend all day tomorrow repairing it myself!!!
    • debtdebt
    • By debtdebt 20th Apr 17, 10:56 PM
    • 101 Posts
    • 62 Thanks
    debtdebt
    • #5
    • 20th Apr 17, 10:56 PM
    • #5
    • 20th Apr 17, 10:56 PM
    Given that you have insured the excess through a different company, you'll be charged the excess on your credit card and will have to claim this back from the insurance company. Maybe with hindsight, it would have been easier to pay the Collision Damage Waiver with the hire company which will mean you won't have to pay anything

    Where do you get the £200-£500 estimate from? If the bumper has been squashed in, it may be beyond repair and will require a new bumper to be sprayed and fitted. Plus the loss of income whilst the car is off the road for repairs.
    • shaun from Africa
    • By shaun from Africa 20th Apr 17, 11:10 PM
    • 9,102 Posts
    • 10,218 Thanks
    shaun from Africa
    • #6
    • 20th Apr 17, 11:10 PM
    • #6
    • 20th Apr 17, 11:10 PM
    Maybe with hindsight, it would have been easier to pay the Collision Damage Waiver with the hire company which will mean you won't have to pay anything
    Originally posted by debtdebt
    They wouldn't have to pay anything apart from the extortionate damage waiver fees charged by the car hire company.

    I've just done a dummy booking for the same type of car that the OP booked and I could get this for two days for a total of £13.09.
    If I opted for their "Zero excess rate", the price goes up to £57.09 which means that you are paying £44 for two days excess cover.
    When you consider that you can a one year multi hire excess policy (UK only) for £39.25 or a two day policy for £6.85 from Leisure guard I would say that provided you have the funds available in the bank or on a card to cover the excess until the insurance pays out, getting a policy from an independent company make sound financial sense.
    • debtdebt
    • By debtdebt 21st Apr 17, 2:05 AM
    • 101 Posts
    • 62 Thanks
    debtdebt
    • #7
    • 21st Apr 17, 2:05 AM
    • #7
    • 21st Apr 17, 2:05 AM
    Have you seen the Terms and Conditions of the Leisure Guard scheme? One of them is that you have to include as part of your claim you have to present them with the final repair invoice from the repairing garage detailing the breakdown of parts and labour expended on the repair. Given that most hire companies don't even bother repairing the damage, you're facing an uphill struggle already.

    Personally, I'd always pay the CDW with the hire company to save on any hassle.
    • richy4
    • By richy4 21st Apr 17, 3:27 AM
    • 74 Posts
    • 10 Thanks
    richy4
    • #8
    • 21st Apr 17, 3:27 AM
    • #8
    • 21st Apr 17, 3:27 AM
    Well that's fine if that's your preferred method. It's not something recommended by this website.

    I would have thought if the insurance company find problems with easirent with obtaining the final repair bill then that's between them and easirent. Has anyone else had real proper experience of claiming on a car rental excess policy?
    • marlot
    • By marlot 21st Apr 17, 5:19 AM
    • 2,962 Posts
    • 2,125 Thanks
    marlot
    • #9
    • 21st Apr 17, 5:19 AM
    • #9
    • 21st Apr 17, 5:19 AM
    ...I estimate the damage to be about £200-500 tops...
    Originally posted by richy4
    You may be in for a shock!
    • Ganga
    • By Ganga 21st Apr 17, 9:01 AM
    • 505 Posts
    • 222 Thanks
    Ganga
    If the damage occurd in a car park or supermarket car park they might have cctv which may show you who damaged your car,if so you can always claim of them and report them for not reporting an accident/collision
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
    • richy4
    • By richy4 22nd Apr 17, 10:57 AM
    • 74 Posts
    • 10 Thanks
    richy4
    Car returned yesterday, as expected, got charged nearly all of the original excess.

    Easirent provided me with copy of damage report, receipt of amount I have had to pay and said they will 'be in touch'. Not sure why, I have everything I need except the final repair invoice which might be tricky depending on how long it takes them to actually do it and then provide the proof.

    Luckily (ironically!) they were quite miffed about how 'badly' it was damaged and said they'd take it out of service immediately for repair. Hopefully that will expedite the process a little, rather than some minor scratch which they'd probably never repair for months and months
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