Annual car hire excess insurance - £39 ..... 30% quidco making it £27 @ direct car excess
478°Expired

Annual car hire excess insurance - £39 ..... 30% quidco making it £27 @ direct car excess

78
Found 21st Apr 2013
Don't get stung at the carhire desk for excess insurance... It can cost upto 9.99 PER DAY of hire..... This annual policy covers you with even better cover (ie for windscreen, tyres and undercarriage )

Direct Travel Insurance is now offering a new product for travellers – Direct Car Excess Insurance. Travellers who plan on hiring a car abroad can save a significant amount of money by taking out an excess policy in advance rather than obtaining one at a rental desk. All policies are underwritten by AIG Europe Limited meaning travellers can feel secure when exploring a new country in a hire car.
According to a recent report* British holidaymakers are collectively wasting an estimated £800m a year by buying expensive ‘excess’ insurance from car rental firms, as opposed to buying online from somewhere like Direct Car Excess before they go.
When hiring a car, a person is required to insure it as if it was their own and many people believe that the insurance policies offered by car rental services will cover any damage a car sustains during the hire period, which is certainly not always the case. The average price charged for top-up insurance by car rental desks is £9.99 a day – and this figure is on top of what has already been paid for the rental charge! In most situations, customers can feel under huge pressure to take it out when they pick up the car. In a lot of cases, travellers will reluctantly cough up the cash, unaware of the full facts and the money they can save.
If the worst happens during a rental agreement, the driver will be required to pay a portion of the costs to the car rental company – the ‘excess’ – which can be as much as £2,000. In addition, damage to tyres, windscreens and the undercarriage are often the responsibility of the hirer. All in all, even if the the most sensible thing has been done, hiring a vehicle abroad can mean ending up paying the cost of the rental, the cost of the top-up insurance and the cost of damages which often are not covered by the top-up insurance. In a worst case scenario the bill can be significantly higher.
However, there is a simple way around this; buying the excess insurance beforehand from an insurer who will provide excellent cover at a competitive price. Direct Car Excess policies remove the excess from as little as £1.99 a day in Europe, £5.99 a day in the Americas & the Caribbean and £2.99 a day in the rest of the world, so in the event of an accident or theft there's no nasty bill to dent holiday memories. Car Excess Insurance gives peace of mind that, should the worst happen will not yield a hefty bill at the end of a holiday. Buying excess only cover will insure the excess as well as providing cover for damage to tyres, windscreens and the undercarriage. With the Collision Damage Waiver product, in addition covering excess, insures up to $100,000 for damage to the rental car and $1,000,000 for Third Party Liability.
All policies offer baggage cover, car rental key cover and Personal Accident. Not only that, but policies also cover all other named drivers, providing they are UK residents, have a full licence and are aged between 21 and 85 years.
Disruption to a holiday is bad enough, but facing a car rental excess fee can ruin it completely. Choose car hire excess insurance from Direct Car Excess Insurance so that, wherever the holiday, one can benefit from great prices and great cover.

78 Comments

Original Poster

yankyg

There is another website called directtravelinsurance.com is this a … There is another website called directtravelinsurance.com is this a different site?



Same company I believe but a different product.... This insurance is underwritten by AIG

Does it apply to car hire in uk aswell?

Do they do annual van hire?

Original Poster

Yes in the uk.

No doesn't include van hire but there are other company's that do... Will get you a link

Van hire link

Edited by: "sbfc" 21st Apr 2013

This is hot.

I'm always getting hire cars as I generally hate owning cars. I've never bought the premium insurance but they always try and scare you into it at the desk.

If it covers Vans, I'm getting this.

edit:

Are all vehicles covered? No. Our policies do not cover the following … Are all vehicles covered? No. Our policies do not cover the following vehicles:Motor homes, camper vans, trailers or caravans, trucks, commercial vehicles, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles and passenger vans and vehicles with more than 9 seatsAny vehicle which has a retail value when new in excess of £50,000 and has a 0-62mph (0-100kph) time of less than 7.5 secondsAny vehicle which is over 20 years old



I use cargo vans, sometimes for commercial reasons; but not always. Hmmms.

It is also worth noting that it looks like the quidco offer expires at the end of today.

Edited by: "geeadamg" 21st Apr 2013

You'll still get the hard sell from some companies, I've even seen reports of them wanting to refuse car hire to people with this kind of insurance. Oh and they'll still hold a large sum on your card and take it if you do have damage to the vehicle.
At least you can relax with this cover as you will get this back. Good deal, hot.
Edited by: "davelfc" 21st Apr 2013

carhireexcess.com/ (found this site from MSE ) was cheaper for my 3 week trip to Florida

Original Poster

BritishDragon

http://www.carhireexcess.com/ (found this site from MSE ) was cheaper … http://www.carhireexcess.com/ (found this site from MSE ) was cheaper for my 3 week trip to Florida



Same price but without the quidco

sbfc

Yes in the uk.No doesn't include van hire but there are other company's … Yes in the uk.No doesn't include van hire but there are other company's that do... Will get you a linkVan hire link


Thanks very much.
sbfc

Yes in the uk.No doesn't include van hire but there are other company's … Yes in the uk.No doesn't include van hire but there are other company's that do... Will get you a linkVan hire link

Gahh, doesn't include cars above £50k or faster than 0-60 in 7.5 seconds. Sixt have a lot of cars at a great price over those thresholds.

Edit. Seems that the carhireexcess.com above doesn't have a performance limit and is £70k.
Edited by: "courtster" 21st Apr 2013

Has anyone used this company? I'm always worried as with most of them you have to pay the hundreds or thousands of euros in a deposit to the car hire company and then try and get it back from the insurance company (this one) in the event of an accident.

Knowing what insurance companies are like, I could imagine getting back to the UK after your holiday and they say its not covered because of some little item in their ts and cs.
Edited by: "thespiderpig" 21st Apr 2013

Banned

or save £39 and go with a proper car hire company that has excess and collision damage waiver! oO

example of decent ones:-

http://www.economycarhire.com/

arcarhire.com/car…php (canaries only)

it amazes me that people still go with the likes of easycar, goldcar, malagacars etc without reading the small print (e.g easycar excess is often around £2000!)

Edited by: "csiman" 21st Apr 2013

I tend to use Autoeurope, which includes excess insurance on some of its hires. And is always the cheapest for me in central and Western Europe. Plus TCB too.

could I use this if I had bought a car and wanted to drive it home instead of paying a fortune to put it on my normal policy as a temporary cover?

[quotecould I use this if I had bought a car and wanted to drive it home instead of paying a fortune to put it on my normal policy as a temporary cover?][/quote]

no

You can buy cover for private vehicles online. Works out about £20 a day for a mid range vehicle. Not got a link but a google will find you one.

csiman

or save £39 and go with a proper car hire company that has excess and … or save £39 and go with a proper car hire company that has excess and collision damage waiver! oOexample of decent ones:-http://www.economycarhire.com/



I just looked at them, and they are very expensive

Also, "insurance4carhire", They give cash back as well.

thanks

Might be a stupid question but is this the only insurance you need when renting a vehicle?

Heat for picture.

Cheers, just got this. Going to Sicily in July and I hear the drivers there are even worse than mainland. We shall see!

Guys i'm off to spain landing at Malaga in a few weeks anyone know the best car hire to use with full insurance.

Original Poster

jalfrezi365

Might be a stupid question but is this the only insurance you need when … Might be a stupid question but is this the only insurance you need when renting a vehicle?



European and uk car hire come with the minimum insurance you need... You don't need to take out any extras but you would be liable to pay the excess charges on the insurance for instance if you had an accident or the vehicle was stolen..... This insurance covers the excess charges should that happen.... It's not uncommon for the excess charges to be as high as £2000

Original Poster

den169

Guys i'm off to spain landing at Malaga in a few weeks anyone know the … Guys i'm off to spain landing at Malaga in a few weeks anyone know the best car hire to use with full insurance.



Would be cheaper to get one without full insurance and get this cover.... Shop around.... Look at travelsupermarket.com and carrentals.co.uk they are good comparison sites.... Also be careful of the fuel policy... Some companies charge you for a whole tank of fuel when you pick up the vehicle and expect you to return it empty.

[quoteGuys i'm off to spain landing at Malaga in a few weeks anyone know the best car hire to use with full insurance.][/quote]

Try "doyouspain" most companies charge for a -full to empty fuel policy- can be expensive if you do not use full tank. If you go -full to full- the hire charge goes up!. I found 1 company that did -half full to empty- that was best for me. You can easily pay more than £27 in super CDW at the hire desk. If you buy one of these policies at least you have it for a year.

I need to make a reservation in the near future for a 2 week car rental in the USA. If purchasing this, what else would I require when renting, and what sites are best to search for US car rental?

Thanks

sbfc

Would be cheaper to get one without full insurance and get this cover.... … Would be cheaper to get one without full insurance and get this cover.... Shop around.... Look at http://www.travelsupermarket.com and http://www.carrentals.co.uk they are good comparison sites.... Also be careful of the fuel policy... Some companies charge you for a whole tank of fuel when you pick up the vehicle and expect you to return it empty.


For hires over three days most charge for a full tank with no choice of full-full hire, expect around 80 Euros for Golf size diesel. I use Centauro as I've found them to be helpful and have had nice cars from them (just back from Easter hols, had a Golf with 900Km on the clock which I doubled - I return empty!). I just paid 109 Euros for my weeks hire (CDW is 6ish per day extra). The rental location is a three minute drive from the terminal at Malaga though there's a free shuttle, it's a small issue IMO.

Hire Car excess insurance is a money spinner for the holiday hire companies, but bear in mind that in many popular places it is almost used as a scam, where they quote you with low prices in the UK, but then say their own excess insurance is compulsory when you arrive. If you refuse, then they say "fine no car then" - which is then a major issue for many people, as they'll be stood in the airport with their family ready to drive to their accommodation.

Choose your hire company very carefully (research them well on google and tripadvisor forums - and not just the broker, but the actual hire company as well). This is a widespread practise, so be careful that you don't buy this insurance and then get stung for it again on holiday!

Good price, i currently pay £39 annually

Is anyone else finding the annual cover cheaper than a single trip (ie: 3 week Florida)?

Wish I had this on recent trip to canaries. Had a blowout on rear tyre, wasted a day searching for a garage to get a new tyre, costing me E70

we had a crash last year and had taken out excess insurance but two points to be aware of -

1) we had to pay £1200 excess there and then to the hire company to cover the damage and it took us 3 months to get it back

2) the other party admitted liability so we got the full amount back from the hire company and therefore didn't even have to claim from this insurance policy

questor insurance.co.uk have great price too.

General exclusions ...

"We will not cover the following:

... 15. Loss or damage due to: (i) smoke, lightning, wind, water, flood, earthquake, volcanic eruption, tidal wave, landslide, hail, vermin, insects or act of God ..."

So, for example, if your hire car is parked in the street next to a tree, it happens to be a windy day, the wind blows the tree down which falls on to your car and writes it off, it won't be covered.

csiman

or save £39 and go with a proper car hire company that has excess and … or save £39 and go with a proper car hire company that has excess and collision damage waiver! oOexample of decent ones:-http://www.economycarhire.com/http://www.arcarhire.com/car-hire/car-hire.php (canaries only)it amazes me that people still go with the likes of easycar, goldcar, malagacars etc without reading the small print (e.g easycar excess is often around £2000!)



I always use economycarhire but even they do not cover tyres, windscreens, locks and damage under the car. They offer you another insurance for that and I have just been quoted £32 for sixteen days so this looks good for the year.


Im of to Florida in November. Car hire is included in the price but of course I know that I'll be forced in to paying about £350 if I choose to collect the 'included' car. SO - if I choose this deal do I literally get to the car hire desk, wave this in their face and collect my 'free' car?

PAUL7331

Im of to Florida in November. Car hire is included in the price but of … Im of to Florida in November. Car hire is included in the price but of course I know that I'll be forced in to paying about £350 if I choose to collect the 'included' car. SO - if I choose this deal do I literally get to the car hire desk, wave this in their face and collect my 'free' car?



Yes, just make sure there are no hurricanes in the vicinity! ;-)

Thanks OP just the ticket.
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