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  • FIRST POST
    • sh856531
    • By sh856531 12th Jul 17, 4:24 PM
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    sh856531
    Hiring a Car - How well insured am I
    • #1
    • 12th Jul 17, 4:24 PM
    Hiring a Car - How well insured am I 12th Jul 17 at 4:24 PM
    Hi all

    I have used Enterprise Car hire a few times in the past and have accepted the Damage Waiver option which says my "excess" would be something like £1000 - which I'm fine and comfortable with. However, the last couple of times the sales guy in the branch has really pushed the excess protection insurance or whatever its called. He basically said that the default is meaningless as it only covers damage and wouldnt cover all sorts of things such as recovery fees, damage to another car, injury to someone etc etc. He gave an example that he was "currently dealing with" where he was billing someone 15K because he had been in a minor collision with 2 other cars.

    Reading through the terms and conditions on the enterprise car hire site does have a fairly extensive list of stuff they would bill me in the event of an accident. Which then begs the question - why are they referring to anything as an "excess" if my liability is effectively uncapped by a whole load of other costs?

    Can anyone advise on what car hire Damage Waivers actually cover and what they don't?

    Thanks in advance

    Simon
Page 1
    • jbainbridge
    • By jbainbridge 12th Jul 17, 6:10 PM
    • 1,716 Posts
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    jbainbridge
    • #2
    • 12th Jul 17, 6:10 PM
    • #2
    • 12th Jul 17, 6:10 PM
    My understanding is that you would have to pay the excess and no more. Sounds like they are trying to scare you.

    In any case I always take out car hire excess protection separately as it is relatively cheap and gives me peace of mind. The price they try to charge you at the desk is insane.
    • loskie
    • By loskie 12th Jul 17, 6:59 PM
    • 1,120 Posts
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    loskie
    • #3
    • 12th Jul 17, 6:59 PM
    • #3
    • 12th Jul 17, 6:59 PM
    you want xs insurance, not from the hire co but an annual policy.
    https://www.confused.com/car-hire-excess-insurance
    • sh856531
    • By sh856531 12th Jul 17, 7:30 PM
    • 380 Posts
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    sh856531
    • #4
    • 12th Jul 17, 7:30 PM
    • #4
    • 12th Jul 17, 7:30 PM
    Thanks guys - I've been looking at the excess protection stuff as well

    To be honest I don't mind having an excess of 1K as I very rarely write off cars ;-)

    My issue is the pressure sell and the lack of clarity around what is actually covered by default. As an example, I've asked them via email what the "Damage Waiver" covers and quite reasonably they came back and said - "Damage to the vehicle".

    What I can't get out of them is what would happen if I cause damage to a third party. The nightmare scenario would be badly hurting someone and causing them a lifetime of medical bills. That's the sort of horror scenario that standard comprehensive cover is designed to protect against but I can't for the life of me get Enterprise to say that they are protecting me against that.

    I'm sure they must be somehow otherwise it would be a bit of a scandal having thousands of unknowingly uninsured drivers blasting around, however I don't see why it's so hard to find the answer to such a rudimentary question :-|

    Many thanks

    S
    • Mercdriver
    • By Mercdriver 12th Jul 17, 7:38 PM
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    Mercdriver
    • #5
    • 12th Jul 17, 7:38 PM
    • #5
    • 12th Jul 17, 7:38 PM
    Thanks guys - I've been looking at the excess protection stuff as well

    To be honest I don't mind having an excess of 1K as I very rarely write off cars ;-)


    Many thanks

    S
    Originally posted by sh856531
    You might not do, but what if you hire a car and are hit by an uninsured driver or one who doesn't stop. For the sake of around £40-45 per annum you can save that £1000. Questor allow you add other people on it for no extra charge too.
    • sh856531
    • By sh856531 12th Jul 17, 7:43 PM
    • 380 Posts
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    sh856531
    • #6
    • 12th Jul 17, 7:43 PM
    • #6
    • 12th Jul 17, 7:43 PM
    Yeah - I think I'm going to give it a go the next time I hire. The only thing that gives me a slight doubt is the fact that all the excess places seem to be relatively niche and small outfits. I'd be happier giving them money if it were the likes of Direct Line with a track record of actually paying out.

    Still - for the price its probably worth getting it

    Cheers

    Simon
    • Mercdriver
    • By Mercdriver 12th Jul 17, 7:48 PM
    • 1,404 Posts
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    Mercdriver
    • #7
    • 12th Jul 17, 7:48 PM
    • #7
    • 12th Jul 17, 7:48 PM
    Yeah - I think I'm going to give it a go the next time I hire. The only thing that gives me a slight doubt is the fact that all the excess places seem to be relatively niche and small outfits. I'd be happier giving them money if it were the likes of Direct Line with a track record of actually paying out.

    Still - for the price its probably worth getting it

    Cheers

    Simon
    Originally posted by sh856531
    Questor are well thought of here from my experience and I know people that have used them and had to claim and didn't have any issues. I wouldn't pay the rate that the hire car companies charge, but, I'd be nervous about hiring a car without any protection at all. For the sake of £40 - 45 it's a no brainer. It's the idiots on the road you have to take into consideration.

    Avis etc don't like excess insurers - in their ts and cs Avis mention them and say that they will expect you to py them the excess and that you have to do the liaison with the excess insurance company.

    If Hire companies made their charges more reasonable, there wouldn't be a market for 3rd party companies.
    • agrinnall
    • By agrinnall 12th Jul 17, 8:44 PM
    • 18,515 Posts
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    agrinnall
    • #8
    • 12th Jul 17, 8:44 PM
    • #8
    • 12th Jul 17, 8:44 PM
    I've always used insurance4carhire when I've needed annual excess cover, although as I've never had to claim I've no idea how good they are when a claim is made. I'm pretty sure it was a recommendation on here that first led me to them. I now sometimes use the daily cover linked to from their website on the very few occasions that I need to hire a vehicle these days.

    One thing to watch out for in the annual cover is a proximity restriction, as I recall it wasn't meant for hiring a vehicle close to your home, more for holidays or trips where you fly and pick up a car at your destination. That's not the case with the daily cover.
    • forgotmyname
    • By forgotmyname 12th Jul 17, 9:49 PM
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    forgotmyname
    • #9
    • 12th Jul 17, 9:49 PM
    • #9
    • 12th Jul 17, 9:49 PM
    Your £1000 excess maybe payable because another driver scraped the door or wing or bumper though not just totally writing the car off.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

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    • AnotherJoe
    • By AnotherJoe 12th Jul 17, 10:50 PM
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    AnotherJoe
    I've always used insurance4carhire when I've needed annual excess cover, although as I've never had to claim I've no idea how good they are when a claim is made. I'm pretty sure it was a recommendation on here that first led me to them. I now sometimes use the daily cover linked to from their website on the very few occasions that I need to hire a vehicle these days.

    One thing to watch out for in the annual cover is a proximity restriction, as I recall it wasn't meant for hiring a vehicle close to your home, more for holidays or trips where you fly and pick up a car at your destination. That's not the case with the daily cover.
    Originally posted by agrinnall
    Ditto. I got into it from the 'Honest John' motoring column in the DT so i think its going to be reasonable.
    • Le_Kirk
    • By Le_Kirk 13th Jul 17, 11:43 AM
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    Le_Kirk
    I have used insurance4carhire, good price compared to others but didn't need to claim. Have just put in a claim via Questor (damaged paintwork driving past a cactus in villa entrance - Grrr!) let's hope they deal with it quickly and sympathetically.
    • wongataa
    • By wongataa 13th Jul 17, 12:04 PM
    • 1,074 Posts
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    wongataa
    What I can't get out of them is what would happen if I cause damage to a third party. The nightmare scenario would be badly hurting someone and causing them a lifetime of medical bills. That's the sort of horror scenario that standard comprehensive cover is designed to protect against but I can't for the life of me get Enterprise to say that they are protecting me against that.
    Originally posted by sh856531
    The insurance has to cover 3rd party costs. That is the law. The comprehensive bit of your car insurance covers claims you make against vehicles on your policy. All car insurance covers third party costs. You either get third party only (you can't claim for damages to your car on your policy) or comprehensive (third party cover plus you can claim on your policy for damage to your car)
    • DoaM
    • By DoaM 13th Jul 17, 12:35 PM
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    DoaM
    The insurance has to cover 3rd party costs. That is the law. The comprehensive bit of your car insurance covers claims you make against vehicles on your policy. All car insurance covers third party costs. You either get third party only (you can't claim for damages to your car on your policy) or comprehensive (third party cover plus you can claim on your policy for damage to your car)
    Originally posted by wongataa
    Yes ... but that's not what this thread is about (as far as I can tell). The hire company may have insurance that covers all that, but that doesn't stop the hire company (or their insurer) chasing the hirer for the costs.
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    • Nodding Donkey
    • By Nodding Donkey 13th Jul 17, 12:54 PM
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    Nodding Donkey
    Q When is Comprehensive Car Insurance not comprehensive

    A When it's provided by a hire company

    Let's face it, in any other industry selling something called 'Collision Damage Waiver' that didn't do what it said on the tin would be fraud.
    • sh856531
    • By sh856531 13th Jul 17, 1:07 PM
    • 380 Posts
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    sh856531
    Found the relevant section in Enterprise Terms and conditions.

    It turns out that your are insured by Enterprises Fleet policy if
    - You don't have your own third party insurance
    - You didn't breach any terms and conditions on the hire agreement



    Responsibility to third parties:
    Unless the words "3RD PARTY COVER INCLUDED" appear on the Rental Agreement Summary, if valid motor third party liability insurance is available on any basis to you, Additional Driver(s) or any other driver, and such insurance satisfies the Road Traffic Act 1988 (as amended by the Road Traffic Act 1991), Road Traffic (Northern Ireland) Order 1981 or any other legislation currently in force in any jurisdiction in which the Vehicle is operated during the rental period, that insurance is primary and our motor fleet insurance policy will not cover the use of the Vehicle by you, any Additional Driver(s) or any other driver (as the case may be). You are required to report the claim to your insurer and comply with the terms of any applicable insurance policy. You are required to disclose details of any such insurance to us or our insurer on demand. If such insurance is available to you, but does not cover the relevant third party claim, you agree that we or our insurers may handle the third party claim on your behalf through our motor fleet insurance policy, and that we will have the sole right to settle any claim as we or they may decide is necessary, and you assign any rights available to you under your insurance policy to us, which includes allowing us to make a claim under any policy in your name. You agree to fully cooperate with any claim that we or our insurer may make against your insurer in such circumstances. If the insurance available to you, Additional Driver(s) or any other driver (as the case may be) does not pay any third party the damages they are entitled to as a result of you, Additional Driver(s) or any other driver failing to comply with the terms and conditions of that policy, you will have to repay on demand all costs incurred by us or our insurers in settling and handling the claim.


    However, if the words "3RD PARTY COVER INCLUDED" appear printed on the Rental Agreement Summary, or no valid third party liability insurance is available on any basis to you or any Additional Driver(s), and you and any Additional Driver(s) are in compliance with the terms and conditions of this Agreement, we agree that the use of the Vehicle by you and any Additional Driver(s) will be covered, subject to all terms, conditions, limitations, exceptions and exclusions, under our motor fleet insurance policy against claims from a third party alleging injury, death or damage to property, as required by the Road Traffic Act 1988 (as amended by the Road Traffic Act 1991), Road Traffic (Northern Ireland) Order 1981 or any other legislation currently in force in any jurisdiction in which you operate the Vehicle with our permission. You may request a copy of our policy from our registered office. The policy gives the insurer the sole right to settle any claim as they may decide is necessary. You agree to fully cooperate and assist us and our insurers in the investigation of any third party claim. If our insurers are required to make any payment to a third party as a result of the use of the Vehicle which involved a breach by you or any Additional Driver of any of the terms and conditions of this Agreement or of our motor fleet insurance policy, you will have to pay on demand all sums paid by our insurers in relation to the claim. This is in addition to any damages which we may legally claim as a result of the breach. If you provide false information in relation to any third party claim, or if we or our insurers suspect fraud, we may notify fraud prevention agencies and databases, and you may be prosecuted.
    • mgfvvc
    • By mgfvvc 14th Jul 17, 8:58 AM
    • 220 Posts
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    mgfvvc
    Yeah - I think I'm going to give it a go the next time I hire. The only thing that gives me a slight doubt is the fact that all the excess places seem to be relatively niche and small outfits. I'd be happier giving them money if it were the likes of Direct Line with a track record of actually paying out.
    Originally posted by sh856531
    I have used and claimed from direct-carexcess.co.uk. They are part of AIG, a very big multinational, not a niche insurer. As the price is competitive and the claims process was reasonable, I am happy to recommend them.
    • mrmot
    • By mrmot 14th Jul 17, 2:20 PM
    • 186 Posts
    • 130 Thanks
    mrmot
    To be honest I don't mind having an excess of 1K as I very rarely write off cars ;-)
    S
    Originally posted by sh856531
    But it's not just your care of the car during the hire period, you can bet if it sustains damage from any source, they'll charge the excess.
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