Car Hire Excess (now only £1.99 a day was £2.25 @ carhireexcess.com) in Europe Save ££s over Rental Excess Cover with Hertz Budget etc
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Car Hire Excess (now only £1.99 a day was £2.25 @ carhireexcess.com) in Europe Save ££s over Rental Excess Cover with Hertz Budget etc

32
Found 15th May 2014
as it says in the header get excess cover for a car rental from £1.99 per day, if you get it direct with a rental company you'll pay a hell of alot more
please dont spam, this is a great deal for those who want to cover high excess on car rentals, book ahead, rather than paying the ridiculous rate when offered at the desk

32 Comments

Thanks for this. We have just booked a car for Oz and were going to pay the extra at the desk. Will look into this one.

Original Poster

mackie7722

Thanks for this. We have just booked a car for Oz and were going to pay … Thanks for this. We have just booked a car for Oz and were going to pay the extra at the desk. Will look into this one.



numerous companies do it, worldwide is £2.99 just google, hire car excess
I've used icarhireinsurance and it was simple to do, not heard much about people making claims..

I often wonder how successful a claim would be on this type of insurance.

The first thing you'd know is when you're back home and the car hire company takes money from the credit card you registered with them. In order to make a claim, you'd need to get a receipt from the car hire company. I suspect that would be very difficult when you're no longer in the country where you hired the car. Anybody with any experience of making a claim care to comment?

Direct car excess insurance offer from £1.99 and it is also 22% cashback on TCB. I just need to find out whether because we are hiring two cars we need two policies??

Would this be suitable if I booked a holiday to say, Florida and took the 'free car' that the package comes with and then simply booked this £1.99 excess per day?

Original Poster

PAUL7331

Would this be suitable if I booked a holiday to say, Florida and took the … Would this be suitable if I booked a holiday to say, Florida and took the 'free car' that the package comes with and then simply booked this £1.99 excess per day?


Yeah, this is the excess element only

Usually cars have £1,000 excess this insurance at £2-3 a day covers that only

whatyadoinsucka

Yeah, this is the excess element onlyUsually cars have £1,000 excess this … Yeah, this is the excess element onlyUsually cars have £1,000 excess this insurance at £2-3 a day covers that only



Cool, so I could then turn down their 'gold insurance' then and just tell them im covered already?

Cranklebody

Direct car excess insurance offer from £1.99 and it is also 22% cashback … Direct car excess insurance offer from £1.99 and it is also 22% cashback on TCB. I just need to find out whether because we are hiring two cars we need two policies??



No cash back on TCB! Can you please provide link.

mans0987

No cash back on TCB! Can you please provide link.



Sorry...been on holiday! Here it is...

topcashback.co.uk/dir…ss/

Just a "heads up" that if you have your own excess insurance then the Hire company will want to block a large amount on your credit card.

@cheap n nasty.

Not true at all in my experience. In fact, you are talking trash.

PAUL7331

Cool, so I could then turn down their 'gold insurance' then and just tell … Cool, so I could then turn down their 'gold insurance' then and just tell them im covered already?



whatyadoinsucka

Yeah, this is the excess element onlyUsually cars have £1,000 excess this … Yeah, this is the excess element onlyUsually cars have £1,000 excess this insurance at £2-3 a day covers that only



no that is not the same, you need to pay for SLI / CDW this is only if there is an actual excess, if you go just for SLI / CDW you will be seriously under insured in the US. this only pays for any excess but in the US most insurance covers the excess, could be asked for more insurance for likes of tyres, or other damage.


Edited by: "eslick" 11th Jun 2014

bankerscum

@cheap n nasty. Not true at all in my experience. In fact, you are … @cheap n nasty. Not true at all in my experience. In fact, you are talking trash.



I prefer to deal in facts rather than "my experiences"

You might want to tell Martin Lewis that he is talking trash as well then as this is an extract from his car hire page

"Ensure you've space on your credit card for a deposit

If you don't take a car hire firm's excess insurance, a holding deposit on a credit card is usually required on the pick-up of any hire car. This also applies to policies bought from external providers.

This money isn't charged against your account, but it is usually ring-fenced. So that means that if you bring the car back and it's damaged, your card might be charged. So you'll need a credit limit to cover typically between £300 and £500.

This often catches people out. They arrive to pick up their car without having the necessary funds, meaning they're left with little option other than to take an expensive policy from the pick-up desk - not a great start to the holiday. So check the deposit required and make sure there are enough funds on your credit card. "

Edited by: "Cheap_n_Nicety" 11th Jun 2014

think this company doesn't allow business use so check with them.

not something I ever thought wouldn't be covered so just a heads up.

i would never hire a car from these ever they will rip you off with the fuel as they did me many times.

terryread1

i would never hire a car from these ever they will rip you off with the … i would never hire a car from these ever they will rip you off with the fuel as they did me many times.



We hire cars for work through all the major hire companies and they all rip you off on fuel refilling.

Just fill the tank back up before you take it back, it's not hard.

You're far better off not crashing the thing in the first place......

You're even far better off not hiring a car in the first place ...

bankerscum

@cheap n nasty. Not true at all in my experience. In fact, you are … @cheap n nasty. Not true at all in my experience. In fact, you are talking trash.



Oh dear me! I've hired twice this year in Spain and Cheap_n_Nicety is 100% correct. Of course, you may have chosen a supplier that did not put a large (£800 to £1000) charge against your credit card. To write that he was talking/writing 'trash' was rather rude and uncalled for.

quezi

We hire cars for work through all the major hire companies and they all … We hire cars for work through all the major hire companies and they all rip you off on fuel refilling.Just fill the tank back up before you take it back, it's not hard.



That only works if you have an agreement to hire Full out and Full return. Otherwise you are just paying upfront for fuel and then filling the tank up for them and getting no refund.

Cheap_n_Nicety

Just a "heads up" that if you have your own excess insurance then the … Just a "heads up" that if you have your own excess insurance then the Hire company will want to block a large amount on your credit card.



yeah, you are right, ignore bankerScum -its in his name, can't believe he wrote that

Banned

Cheap_n_Nicety

I prefer to deal in facts rather than "my experiences"You might want to … I prefer to deal in facts rather than "my experiences"You might want to tell Martin Lewis that he is talking trash as well then as this is an extract from his car hire page "Ensure you've space on your credit card for a depositIf you don't take a car hire firm's excess insurance, a holding deposit on a credit card is usually required on the pick-up of any hire car. This also applies to policies bought from external providers.This money isn't charged against your account, but it is usually ring-fenced. So that means that if you bring the car back and it's damaged, your card might be charged. So you'll need a credit limit to cover typically between £300 and £500.This often catches people out. They arrive to pick up their car without having the necessary funds, meaning they're left with little option other than to take an expensive policy from the pick-up desk - not a great start to the holiday. So check the deposit required and make sure there are enough funds on your credit card. "



Owned

Cheap_n_Nicety

Just a "heads up" that if you have your own excess insurance then the … Just a "heads up" that if you have your own excess insurance then the Hire company will want to block a large amount on your credit card.



I think every car hire company must vary, we have just returned from France using a lesser known car rental company having purchased the car excess hire that I linked to above (which the rental company were informed of when we collected the keys) and they did not block any amount on my credit card. But it obviously does happen with some of them, so it may be worth checking with your rental company before purchasing.

Norman-B

That only works if you have an agreement to hire Full out and Full … That only works if you have an agreement to hire Full out and Full return. Otherwise you are just paying upfront for fuel and then filling the tank up for them and getting no refund.



This is something that I always check for before deciding on a rental company. It seems most now allow you to collect full and return full but its definitely worth checking before buying.

Hi all - (hope this helps someone) - I bought my excess car insurance from 'direct-carexcess.co.uk' for £39 last year as I was fed up paying for excess insurance when I picked up my rental car in Spain (at exorbitant rates). In Feb this year I hired a car from DICKMANNS in Alicante. When I returned to the UK they charged 480 euros to my account for supposed damage to the vehicle. I won't go into the details other than say it was a scam. They were difficult to contact but I did eventually get a 'receipt' for the so-called damage to the car. I supplied this together with all the info I had to the excess insurance company and found out I was actually dealing with AIG Ltd.
I cannot speak highly enough about them in terms of their support and the speed they dealt with my claim. The money was in my bank account within a week. Hope this helps someone.

What is covered by this insurance? For example is it covers problem to tyres? What about a chips or dent on car?

I could not find any information about what is NOT covered by this insurance.


Here is what my policy said:

SECTION 2 – EXCESS REIMBURSEMENT, KEY & BAGGAGE COVER

What is Covered

Please note that the limits detailed under each section below are specific to that section.

A. Damage and Theft

We shall reimburse you for the amount of the excess for which you are liable under the car rental agreement in respect of accidental damage (including damage to windows and tyres, the undercarriage and the roof to your rental car), fire, vandalism or theft during the period of insurance up to the amount of the policy limits below.

The policy limit for Section A is £4,000 (or equivalent in local currency) for any one claim but subject to a maximum total limit of £5,000 (or equivalent in local currency) in any one period of insurance.

B. Car Rental Key Cover

We shall reimburse you for costs incurred for replacing a lost or stolen rental car key and, if necessary, replacement locks and locksmith charges up to the amount of the policy limits below.

The policy limit for Section B is £500 (or equivalent in local currency) for any one claim but subject to a maximum of £2,000 (or equivalent in local currency) in any one period of insurance.

C. Baggage Cover

We shall reimburse each insured person against loss of or damage to baggage and/or personal effects as a result of theft or attempted theft following visible and forcible entry into the rental car, provided that such theft or attempted theft is proved and that the baggage and/or personal effects were at the time of the theft or attempted theft secured in the rental car in either a locked boot or out of sight in a glove box or luggage compartment.

The policy limit for Section C is £300 in total for any one claim but subject to maximum of £150 for any single item.


Does this help? I assume chips and dents would come under accidental damage. There are a long list of exclusions but its things like driving without a license, hiring longer than 62 days, business use etc.

Cranklebody

Here is what my policy said:SECTION 2 – EXCESS REIMBURSEMENT, KEY & B … Here is what my policy said:SECTION 2 – EXCESS REIMBURSEMENT, KEY & BAGGAGE COVERWhat is CoveredPlease note that the limits detailed under each section below are specific to that section.A. Damage and TheftWe shall reimburse you for the amount of the excess for which you are liable under the car rental agreement in respect of accidental damage (including damage to windows and tyres, the undercarriage and the roof to your rental car), fire, vandalism or theft during the period of insurance up to the amount of the policy limits below.The policy limit for Section A is £4,000 (or equivalent in local currency) for any one claim but subject to a maximum total limit of £5,000 (or equivalent in local currency) in any one period of insurance.B. Car Rental Key CoverWe shall reimburse you for costs incurred for replacing a lost or stolen rental car key and, if necessary, replacement locks and locksmith charges up to the amount of the policy limits below.The policy limit for Section B is £500 (or equivalent in local currency) for any one claim but subject to a maximum of £2,000 (or equivalent in local currency) in any one period of insurance.C. Baggage CoverWe shall reimburse each insured person against loss of or damage to baggage and/or personal effects as a result of theft or attempted theft following visible and forcible entry into the rental car, provided that such theft or attempted theft is proved and that the baggage and/or personal effects were at the time of the theft or attempted theft secured in the rental car in either a locked boot or out of sight in a glove box or luggage compartment.The policy limit for Section C is £300 in total for any one claim but subject to maximum of £150 for any single item.Does this help? I assume chips and dents would come under accidental damage. There are a long list of exclusions but its things like driving without a license, hiring longer than 62 days, business use etc.



That is what I was looking for. Thanks

I used wordwide insure for my excess insurance as the cover seemed far more comprehensive (i.e included wheels/interior) which many didn't.

Worth a look, as recall it was similar/less money.

Quick follow up if it helps anyone - I also queried what precisely was covered in my excess insurance and had some misgivings about thgings such as car tyres, exhaust (!!) etc., so I rang the insurance company. They were very helpful as I went on asking precisely what was covered and didn't even show any signs of being annoyed with me! So my advice would be to check, check again and if you are not sure, call them and, preferably, get their responses in writing.

As a new driver is this to hire the actual car for however many days you need, insurance cover etc ???

Original Poster

claire85x

As a new driver is this to hire the actual car for however many days you … As a new driver is this to hire the actual car for however many days you need, insurance cover etc ???

no this is excess insurance

You would hire car as normal with the standard insurance package, the pickup desk will then ask if you want to cover your excess, ie if you crash it, it's likely to be £1,000 excess.

This hukd £2-4 a day is to cover only this excess.. If you buy it from your rental company (hertz, budget etc) it will be upwards of £15-22 a day hence the big saving
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