If you’re heading out on a crazy, spontaneous road trip, it’s easy to get caught up in the adrenaline and forget about things like insurance. Being covered is important no matter where the road takes you, particularly if you’ve opted for a rental car. Whether you’re driving across Europe or just tootling around the UK, investing in car hire excess insurance is definitely worth your while.
Car hire excess insurance will stop you having to pay any fees for damage to the vehicle, as well as a few other handy extras. You might assume that the rental company covers all this for you already, but unfortunately that isn’t always the case. Investing in car hire excess insurance will give you full protection and stop you having to pay any unexpected fees.
What is Included with Car Hire?
In the UK, most vehicle rental packages will include cover for Collision Damage Waiver (CDW) and Third-Party Liability (TP). However, rental companies will charge you an excess (an amount of money that you must pay towards any repair costs). This means that depending on the kind of damage, you could end up spending a considerable amount of money on a car that isn’t even yours. Not the best way to end a road trip…
Voluntary Excess Insurance
Excess reimbursement insurance (voluntary excess insurance) is a great investment as it covers you even if you decide to change the hire company or choose a different rental option. In the UK, the policy covers several payments that the hire company does not reimburse you for, including fees regarding:
• Damage to windows, roof, tyres and headlights (that are not otherwise covered by damage waivers) • Damage caused by using the incorrect fuel • Theft • Injury to you, and up to seven other persons noted on your rental contract
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