Car Hire Excess Insurance claim - will it affect me when I take out motor insurance?

Clarissa88_2

Hi,

I returned a car that I hired, only to be told that there is a windscreen chip where £40 will be charged.

I protested, as I obtained the car when it was at night (with poor lighting), and I was probably over relaxed by a very friendly sales personnel and did not check everything in detail (to be honest though, being inexperienced in this field, I would not have spotted one anyway even if I looked carefully!)

Now I did take out Excess Insurance through a different website, so technically I can ask the company to just deal with that.

I do not own a car at present, so have no need for any car insurance. That may change in the future. If I do claim on the Excess Insurance now, will it affect me negatively in the future if I do take out motor insurance for my own car? If not, does it affect other kinds of insurance, e.g. future excess insurance quotes/travel insurance quotes?

Thank you for any advice!