Replacement Car Hire (Auxillis) After Accident - How Does the Excess Work?

Jonesbo

Hi,

I had an accident (no other vehicle involved). All being sorted by my insurance.

They offer a replacement car through a company called Auxillis, but the T&Cs are a bit confusing.

How does this normally work: if I total the replacement car for instance, would I have to pay the current excess on my own insurance?

And can you mitigate this by getting car hire excess insurance, or would this not be valid on a replacement vehicle arranged via insurance (I've only ever had car hire excess on holiday rentals).

Hope that makes sense. Thanks

DullGreyGuy

You unfortunately need to read the all the relevant terms... for some insurers a hire car they provide is covered by your normal policy so the normal excess applies, for others its covered by the hire car company policy in which case their excess applies. If a hire car excess policy will respond or not will depend on their terms as you aren't the one paying for the hire