Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • aiHandle
    • By aiHandle 21st Oct 19, 5:23 PM
    • 29Posts
    • 3Thanks
    aiHandle
    car hire excess insurance
    • #1
    • 21st Oct 19, 5:23 PM
    car hire excess insurance 21st Oct 19 at 5:23 PM
    so in general i get how car hire excess insurance works in a standard scenario:

    e.g.
    1) car hire company insures against collision damage/theft/windscreen damage
    2) if an accident happens I pay the car hire company an excess and they pay for the rest
    3) i claim the excess back from insurance

    so i get that.

    what i'm rather confused about is what happens in the case where:

    1) car hire company says their standard insurance policy only covers collision damage i.e. i pay an excess for collision damage and they pay for the rest
    2) theft and windscreen are NOT included in the standard excess

    so in this scenario if the car is stolen or windscreen is chipped can i still make a claim under car hire excess insurance? Are these amounts still deemed to be an "excess"?

    i have spoken to various insurance firms and car hire firms but no one seems to be able to give me a straight answer

    anyone had any experience?

    thanks!
Page 1
    • mgfvvc
    • By mgfvvc 22nd Oct 19, 2:39 PM
    • 452 Posts
    • 175 Thanks
    mgfvvc
    • #2
    • 22nd Oct 19, 2:39 PM
    • #2
    • 22nd Oct 19, 2:39 PM
    what i'm rather confused about is what happens in the case where:

    1) car hire company says their standard insurance policy only covers collision damage i.e. i pay an excess for collision damage and they pay for the rest
    2) theft and windscreen are NOT included in the standard excess

    so in this scenario if the car is stolen or windscreen is chipped can i still make a claim under car hire excess insurance? Are these amounts still deemed to be an "excess"?
    Originally posted by aiHandle

    The last policy I had states "We will pay up to the amount shown in the table of benefits for:
    the excess for which you are liable to pay under the terms of the car rental agreement as a
    result of:
    o accidental damage;
    o fire;
    o vandalism;
    o theft; and
    damage to your rental carís windows and tyres, the undercarriage and the roof."

    so theft and windows are specifically covered, subject to standard exclusions.

    The exclusion that may apply, if there is no theft cover:

    "What you are not covered for under section A
    1. Any claim where the policyholder has not accepted the rental companyís insurance (Collision
    Damage Waiver) at the rental counter or where insurance (Collision Damage Waiver) is not
    included in the total price of the car rental agreement"

    It's not clear to me that you would be covered for theft as part of the excess cover if it wasn't primarily covered under the CDW policy. Also the limits on an excess policy wouldn't normally be enough to cover theft of the vehicle anyway.

    In short, you don't want to take a rental where the CDW policy doesn't cover theft.
    • sal_III
    • By sal_III 23rd Oct 19, 10:38 AM
    • 1,565 Posts
    • 1,463 Thanks
    sal_III
    • #3
    • 23rd Oct 19, 10:38 AM
    • #3
    • 23rd Oct 19, 10:38 AM
    I have used car hire (abroad no in the UK) several times and in each case theft was included in the cover.

    The bits that are usually excluded are stuff like damage to tires, undercarriage and windscreen - these are included in many car hire excess policies or available as options to them, so the end result is you have full coverage between the car hire company insurance and your excess insurance.

    If you are so concerned about it, just pay the extra for the full "no hassle" insurance that most/all car hire companies offer.
    • aiHandle
    • By aiHandle 26th Oct 19, 3:09 PM
    • 29 Posts
    • 3 Thanks
    aiHandle
    • #4
    • 26th Oct 19, 3:09 PM
    • #4
    • 26th Oct 19, 3:09 PM
    thanks for the replies! i'm thinking to avoid headaches later on to probably cancel the booking and go with a big name supplier instead... like you've mentioned usually these items are included and i've checked with the usual places like avis/budget/hertz/europcar and they all have at least theft and collision damage as part of the standard excess... it is like about twice the price but all up probably the better option!
    • Victorthe2nd
    • By Victorthe2nd 8th Nov 19, 5:08 PM
    • 37 Posts
    • 23 Thanks
    Victorthe2nd
    • #5
    • 8th Nov 19, 5:08 PM
    CDW and SLI
    • #5
    • 8th Nov 19, 5:08 PM
    I travel to the US regularly and have an annual policy with Blue Insurance. On my last trip, I rented a car and declined CDW and SLI on the basis that Blue had advised me that they would dea directlyl with any claims 'beyond a fender bender'. In
    other words, the norm would be that if, for example, I faced a bill of say $1000, then I would pay that and seek reimbursement from Blue but if the bill was, say, $20,000 and therefore above my credit card limit, then Blue would deal with the whole thing.

    The agent I spoke to had to go and get advice from a colleague. So I'm still not convinced!!!

    I'd appreciate any responses from anyone who had used these sort of policies before!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

129Posts Today

1,529Users online

Martin's Twitter