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Martin Lewis
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Car Hire company charged us for insurance when we already had paid for it

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Car Hire company charged us for insurance when we already had paid for it

edited 30 November -1 at 1:00AM in Overseas Holidays & Travel Planning
22 replies 1.6K views
langfordcloselangfordclose Forumite
9 posts
edited 30 November -1 at 1:00AM in Overseas Holidays & Travel Planning
We booked and paid for car hire through a broker (DoYouSpain) and paid for their full insurance package so that we would not have to pay again or leave the hefty credit card fee when we collected the car. When we collected the car we were asked for a credit card this was the only time they spoke to us as their English was very limited - we were told so it was held but no money to be taken - we get home and find money was taken . we have contacted them and they say we signed to agree to an extra insurance being taken. We explained we did not as there was no mention of an insurance as we showed them the certificate already purchased from their broker and the only thing we signed was for the car, they have now stopped replying - what can we do? Surely this is theft?
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Replies

  • eDickyeDicky Forumite
    5.3K posts
    1,000 Posts Fifth Anniversary Name Dropper
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    Showing the insurance purchased from the broker was of no interest to the hire firm, and it does not remove the requirement of leaving a deposit or preauthorisation on your card for the excess.

    Money was taken for what? Did you sign to agree purchase of their extra insurance, or not?
    Evolution, not revolution
  • langfordcloselangfordclose Forumite
    9 posts
    no, we told them we already had the full insurance so did not need any extra insurance from them. They say they took more money for another insurance and they say we agreed to it but they did not even ask us about it.
  • cubegamecubegame Forumite
    2K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    You were scammed. I suspect you didn't read every single piece of info against which you signed.

    The car hire industry works like this (sadly) so they can offer low headline rates.
  • eDickyeDicky Forumite
    5.3K posts
    1,000 Posts Fifth Anniversary Name Dropper
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    langfordclose wrote: »
    no, we told them we already had the full insurance so did not need any extra insurance from them. They say they took more money for another insurance and they say we agreed to it but they did not even ask us about it.
    But did you sign acceptance for it? Check your contract. If not, your might ask your card provider for a chargeback.

    Who is the hire firm, Goldcar?
    Evolution, not revolution
  • langfordcloselangfordclose Forumite
    9 posts
    it was a company called Orlando, they were the only ones that rented close enough to our hotel for us to collect.
    We could not read the paperwork they gave us either as they only gave it to us in Spanish so yes I assume we were scammed but how do we go about getting the money back - is a chargeback our best and only option?
  • cubegamecubegame Forumite
    2K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    langfordclose wrote: »
    it was a company called Orlando, they were the only ones that rented close enough to our hotel for us to collect.
    We could not read the paperwork they gave us either as they only gave it to us in Spanish so yes I assume we were scammed but how do we go about getting the money back - is a chargeback our best and only option?



    If you signed the paperwork it will be difficult to get the money back. The onus is on you to understand what you are signing.


    You could have translated with a smartphone well enough to understand that insurance was being offered.


    You'll have to chalk this one up to experience I'm afraid.
  • TELLIT01TELLIT01 Forumite
    9.3K posts
    Fifth Anniversary 1,000 Posts Name Dropper PPI Party Pooper
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    If you paid by credit card, take it up with the card provider. If the company is known for this sort of behaviour they may already be known to the CC company.
  • EveryWhereEveryWhere
    3.2K posts
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    cubegame wrote: »
    You were scammed. I suspect you didn't read every single piece of info against which you signed.

    The car hire industry works like this (sadly) so they can offer low headline rates.

    No. They were not scammed. They simply assumed that they would not have to leave a deposit. So when they refused to pay a deposit, the option was full insurance from the car hirer or no car.
  • EveryWhereEveryWhere
    3.2K posts
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    TELLIT01 wrote: »
    If you paid by credit card, take it up with the card provider. If the company is known for this sort of behaviour they may already be known to the CC company.

    Sorry, but this is nonsense. It's all down to the OP not taking note of the T&C of the policy they purchased from DoYouSpain.
  • Credit_StruggleCredit_Struggle Forumite
    82 posts
    The company I work for deal with this company on a regular basis and they make it very clear that you must pay a deposit in the name of the main driver.

    Regardless of this fact I am sure they added the insurance by the sounds of your post. If you signed for the charges you’ll be hard pressed to reclaim these
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