Damaged a hired van

bigjl

rs65 wrote: »

Depends on how long and how often you hire.

I have annual excess cover for £39.99 less £12 Quidco so £27.99.

The excess policy also covers things that your £5 a day doesn't.

I appreciate that the policy you speak about may be very good. But you haven't seen the agreement i signed so how can you judge what it does and doesn't cover.

The one week hire of a 3 months old Discovery 4 was free so i was happy to pay £5 a day for piece of mine.

Everytime i have hired a vehicle i always pay the extra to ensure i am not liable for any excess.

rs65

bigjl wrote: »

I appreciate that the policy you speak about may be very good. But you haven't seen the agreement i signed so how can you judge what it does and doesn't cover.

Obviously I can't but I hire cars frequently and am aware of what most cover.

The policy I have covers the excess up to £6,000, tyres, roof, windows, windscreen and undercarriage, vehicle key replacement, vehicle rental cancellation and towing, breakdown and missfuelling excess costs.

londonTiger

Nebulous2 wrote: »

Cars were £10 earlier in the year. Given the hire was only around £20 it made the difference between the hire being worth doing or not. It's the equivalent of paying £3650 a year to reduce your excess from £750 to £150.

I too fell for that silly logic and opted out of full damage waiver and paid £600 forand accident plus ddisclosure for my personal insurance for the next 3 years.

I always go for full waiver. I use zip an for my business and the full damage waiver is cheap at just 9‰ of hire.

I hear personal full waiver is expensive though at a fixed £15.

Captain_Flack.

londonTiger wrote: »

I too fell for that silly logic and opted out of full damage waiver and paid £600 forand accident plus ddisclosure for my personal insurance for the next 3 years.

I always go for full waiver. I use zip an for my business and the full damage waiver is cheap at just 9‰ of hire.

I hear personal full waiver is expensive though at a fixed £15.

It's five years to disclose and you'd need to do it if you had the cover or not.

arcon5

Nebulous2 wrote: »

Cars were £10 earlier in the year. Given the hire was only around £20 it made the difference between the hire being worth doing or not. It's the equivalent of paying £3650 a year to reduce your excess from £750 to £150.

Not a great way of looking at the cost, it's a short term service not designed for 365 day cover.

nobbysn*ts

rs65 wrote: »

Obviously I can't but I hire cars frequently and am aware of what most cover.

The policy I have covers the excess up to £6,000, tyres, roof, windows, windscreen and undercarriage, vehicle key replacement, vehicle rental cancellation and towing, breakdown and missfuelling excess costs.

Sounds like both you and bigjl have been done up like a pair of kippers. Covering the excess for things that aren't covered by the hire insurance, typically, tyres, roof, windows, windscreen and undercarriage, vehicle key replacement, vehicle rental cancellation and towing, breakdown and missfuelling, won't really give a great benefit. Now, if you insure these things for the full cost, that would be different, but as an excess, if the excess is going to be zero, as you can't make any claim in the first place.........

Captain_Flack.

nobbysn*ts wrote: »

Sounds like both you and bigjl have ben done up like a pair of kippers. Covering the excess for things that aren't covered by the hire insurance, typically, tyres, roof, windows, windscreen and undercarriage, vehicle key replacement, vehicle rental cancellation and towing, breakdown and missfuelling, won't really give a great benefit. Now, if you insure these things for the full cost, that would be different, but as an excess, if the excess is going to be zero, as you can't make any claim in the first place.........

The extra insurance is a collision damage waver and covers the hire companies high excess or damage charge if it makes it simple for you.

nobbysn*ts

Captain_Flack. wrote: »

The extra insurance is a collision damage waver and covers the hire companies high excess or damage charge if it makes it simple for you.

What? You psychic or something? As you're not rs65, or bigjl, I assume you're just letting your imagination fill in the gaps here? You do know what "excess" means right? You do understand excess insurance, as opposed to collision damage waiver? I can't be bothered making it simple for you, someone else can if they want to.

Captain_Flack.

nobbysn*ts wrote: »

What? You psychic or something? As you're not rs65, or bigjl, I assume you're just letting your imagination fill in the gaps here? You do know what "excess" means right? You do understand excess insurance, as opposed to collision damage waiver? I can't be bothered making it simple for you, someone else can if they want to.

I think you're the one who misunderstands.

rs65

nobbysn*ts wrote: »

Sounds like both you and bigjl have been done up like a pair of kippers. Covering the excess for things that aren't covered by the hire insurance, typically, tyres, roof, windows, windscreen and undercarriage, vehicle key replacement, vehicle rental cancellation and towing, breakdown and missfuelling, won't really give a great benefit. Now, if you insure these things for the full cost, that would be different, but as an excess, if the excess is going to be zero, as you can't make any claim in the first place.........

I think you misunderstand. The policy I have covers the excess and also covers things that aren't covered under your rental agreement. They are covered in full by the separate policy.

If I am misunderstanding, please do make it simple for me.