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    • Ystrad
    • By Ystrad 14th Jul 17, 8:47 PM
    • 3Posts
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    Ystrad
    Car hire excess insurance
    • #1
    • 14th Jul 17, 8:47 PM
    Car hire excess insurance 14th Jul 17 at 8:47 PM
    I hire a car a couple of times a year abroad, usually Spain. I normally take out full insurance with the car hire company for the peace of mind. Next holiday I'm flying into Reus where there aren't many car hire operators and their full insurance is prohibitively expensive so I'm thinking of taking out excess cover with a third party insurer. I'm wondering how reliable these companies are for paying out? Do they demand police reports etc. if the car is damaged in an accident? Like I say I'm used to using the companies own full insurance where for instance I was told last year in Malaga "bring the car back wrecked and you won't pay anything" so I'm a bit nervous about using a third party.
Page 1
    • pompeyrich
    • By pompeyrich 14th Jul 17, 9:26 PM
    • 3,036 Posts
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    pompeyrich
    • #2
    • 14th Jul 17, 9:26 PM
    • #2
    • 14th Jul 17, 9:26 PM
    I've used Questor and Insurance4carhire in the past but luckily I've never had an incident while covered by them. I've had 3 incidents but on those occasions I had taken out the car hire companies excess insurance and as you say it was just a case of signing a form and that was that.

    Having said that a lot of people use these excess cover companies and as a daily visitor to this site I can't recall a car hire excess policy nightmare/won't pay out type thread, so either no-one claims or those that do have a good outcome.

    I'm sure you're aware that if there was an incident, you would have to pay the excess upfront and claim it back. Looking on the claims section of the I4CH site HERE it shows what documentation they require, seems quite reasonable, police report if the police attend, however the requirement for police involvement would be part of the car hire company's T&Cs
    • Ystrad
    • By Ystrad 14th Jul 17, 9:33 PM
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    Ystrad
    • #3
    • 14th Jul 17, 9:33 PM
    • #3
    • 14th Jul 17, 9:33 PM
    Thanks, that's very helpful.
    • pompeyrich
    • By pompeyrich 14th Jul 17, 10:20 PM
    • 3,036 Posts
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    pompeyrich
    • #4
    • 14th Jul 17, 10:20 PM
    • #4
    • 14th Jul 17, 10:20 PM
    There is car hire section in the overseas holiday part of the site, where you might get more opinions/replies. HERE
    • Ystrad
    • By Ystrad 14th Jul 17, 10:27 PM
    • 3 Posts
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    Ystrad
    • #5
    • 14th Jul 17, 10:27 PM
    • #5
    • 14th Jul 17, 10:27 PM
    Ah OK thanks. A search found a thread on car hire excess in this section that's why I posted it here.
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