car rental vandalised

bigjl

Mercdriver wrote: »

That's not very MSE. The amount that hire companies charge is scandalous and means that hirers are reluctant to add it. Better to purchase annual excess insurance for £40 and be covered for multiple drivers than pay somewhere towards that a day...

If you only hire a car once a year then the annual Insurance would cost more.

So somebody could easily spend more by doing as you suggest.

Though as you singled out my post as being not very MSE you clearly believe paying the the SM all extra is wrong and the Op was right for not ticking it.

Mercdriver

bigjl wrote: »

What if every other New Poster is clearly a troll?

How do you know? Perhaps the real moderators can tell us rather than you as the self appointed honorary moderator who does very little apart from criticise.

Why do you constantly feel the need to be the one deciding that. I've asked you before. You aren't a mod, however you might wish to be. Accusing every other new member of being a troll puts off new members. Let's just say if I were a mod here you would have been barred ages ago. Your constant accusations are disrupting and unhelpful.

Mercdriver

bigjl wrote: »

If you only hire a car once a year then the annual Insurance would cost more.

So somebody could easily spend more by doing as you suggest.

Though as you singled out my post as being not very MSE you clearly believe paying the the SM all extra is wrong and the Op was right for not ticking it.

You're clearly not as bright as you think you are.

It only takes 4 days of hire in a year to save money on what enterprise for example charge for a large compact car.

It's up to the OP to decide what to do, but I suspect that paying £372 on top of the rental most likely put him/her off.

We aren't talking about anyone just hiring a car for a single day in a year. You were criticising the OP for not taking the cover.

you told the OP he should have ticked the extra cover box.

Which is more?

£372 or £39.98 (which is what I have paid for a year).

Which figure is better value to the OP?

Take some mathematics lessons if you still think the hire company's figure is best.

shaun_from_Africa

bigjl wrote: »

If you only hire a car once a year then the annual Insurance would cost more.

Absolute rubbish.
My annual car hire excess policy (Questor insurance) cost me £49.98 when I renewed it earlier this year.
It is an annual policy valid for worldwide car hire with only a couple of exempted countries.

In early May, I hired a car from Hertz and this was a Ford Focus at £169 per week. This included CDW but not their "super cover", and if the car was vandalised, I would be liable for the damage.
If I paid for "super cover" then I wouldn't have to pay for vandalism damage.

However, the difference between the rate 1 and rate 2 (which included super cover, personal accident insurance and personal effects cover) was £130 per week.

As my excess policy covers up to £6000 for vandalism, £40,000 for personal accident and £450 for personal effects, how exactly is my annual policy costing me more?

Mercdriver

shaun_from_Africa wrote: »

Absolute rubbish.
My annual car hire excess policy (Questor insurance) cost me £49.98 when I renewed it earlier this year.
It is an annual policy valid for worldwide car hire with only a couple of exempted countries.

In early May, I hired a car from Hertz and this was a Ford Focus at £169 per week. This included CDW but not their "super cover", and if the car was vandalised, I would be liable for the damage.
If I paid for "super cover" then I wouldn't have to pay for vandalism damage.

However, the difference between the rate 1 and rate 2 (which included super cover, personal accident insurance and personal effects cover) was £130 per week.

As my excess policy covers up to £6000 for vandalism, £40,000 for personal accident and £450 for personal effects, how exactly is my annual policy costing me more?

I used Questor too, and will renew it. A colleague of mine suggested it to me.

agrinnall

bigjl wrote: »

If you only hire a car once a year then the annual Insurance would cost more.

So take Daily excess cover instead, 3 days cost me £5.97 last time I did it (June 2014).

pompeyrich

agrinnall wrote: »

So take Daily excess cover instead, 3 days cost me £5.97 last time I did it (June 2014).

Questor charged £10.78 for 5 days in December.

bigjl

agrinnall wrote: »

So take Daily excess cover instead, 3 days cost me £5.97 last time I did it (June 2014).

I prefer to get it from the company I hire the car from.

For me that would be a total of 4 days in roughly 8/9 years.

Seems I am way ahead.

bigjl

agrinnall wrote: »

So take Daily excess cover instead, 3 days cost me £5.97 last time I did it (June 2014).

I did and I always will.

Some people want to argue about having an annual policy to cover this.

Preferring to be argumentative and missing the point that whichever way the OP did it he would have saved a fortune.

Mercdriver

bigjl wrote: »

I prefer to get it from the company I hire the car from.

For me that would be a total of 4 days in roughly 8/9 years.

Seems I am way ahead.

So you'd pay enteprise £11.98 a day?