Insurance4carhire

HIRING A CAR/ RENTING A CAR for your holiday in Wales? Insurance4carhire offers Car Rental Insurance – Car Hire Insurance – Car Rental Excess Insurance

Insurance for car rental for Europe, USA and Canada and worldwide from Insurance4CarHire.com

Do you know that the Excess can cost more than the car? This insurance is a great way to save money and have peace of mind when you rent a car - a great selection of policies available

Do you know that it could cost you £500 or more for any damage to your rental car? EVEN IF IT'S NOT YOUR FAULT!!

For a low, annual premium, Insurance4carhire.com provides excess insurance protecting the customer against excess charges whenever they rent a car.

Your car rental agreement normally includes cover for Collision Damage Waiver (CDW) and Theft. However you are still liable for the Excess on CDW and Theft. When a rental car is damaged or stolen, the driver is asked to pay the first portion of the repair or replacement costs. This is known as the Excess.

Insurance4carhire covers you not only for the total amount of Excess for which you are liable if the car is damaged or stolen, but also for damage to the roof and undercarriage of the car, and windows and tyres.

How our Excess Insurance Works - We insure the Policy Holder, not the rental vehicle. Excess is a voluntary insurance. Decline the car rental company's Excess cover at the counter when you collect the car. If the car is damaged or stolen, the car rental company will charge your credit card for the Excess amount and you then claim for reimbursement on your Policy.

Policies available for 75 - 85 year olds - Are you over 75 and need car Rental Excess insurance? New Products now available from insurance4carhire Details here

TYPES OF POLICIES AVAILABLE

Europe:

• Covers Excess on damage to the rental vehicle including the undercarriage, Excess on theft, and damage to windows and tyres

• Valid at all European car rental locations • One low, annual premium allows unlimited use within the 12 month cover period

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

Annual Policy-covering Europe £49 - BUY HERE

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Excess Worldwide 31:

• Covers Excess on damage to the rental vehicle including the undercarriage, Excess on theft, and damage to windows and tyres

• Valid at all car rental locations worldwide where Excess is charged (Excess is not charged in the USA)

• One low, annual premium allows unlimited use within the 12 month cover period

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

Annual Worldwide Excess cover - 31 days per car rental agreement £59 - BUY HERE

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Excess Worldwide 60

• Covers Excess on damage to the rental vehicle including the undercarriage, Excess on theft, and damage to windows and tyres

• Coverage for an extended period of up to 60 days on any one rental agreement

• Valid at all car rental locations worldwide where Excess is charged (Excess is not charged in the USA)

• One low, annual premium allows unlimited use within the 12 month cover period

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

Annual Worldwide Excess cover - 60 days per car rental agreement £69 - BUY HERE

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Europe Family & Partners

• Covers Excess on damage to the rental vehicle including the undercarriage, Excess on theft, and damage to windows and tyres

• Valid at all European car rental locations

• One low, annual premium allows unlimited use within the 12 month cover period

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

• Cover is for 2 Policy Holders, who must be family members (defined as spouse, partner, parent, brother, sister, adult child or fiance), travelling together or separately

Annual Europe Excess Policy covering 2 Family Members - 31 days per car rental agreement only £79 - BUY HERE

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USA-Canada CDW/SLI

Take out annual Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI) before you travel and avoid costly insurance charges of as much as US $30 per day, sold at the car rental counter.

• Covers the rented vehicle for CDW/LDW (Collision Damage Waiver/Loss Damage Waiver = damage, theft and loss of use) up to US$ 80,000

• Supplemental Liability Insurance (SLI) covering third party up to US $1 million

• Lock-out provision to cover up to US $60.00 for a locksmith

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

Annual policy covering USA and Canada 31 days per car rental agreement only £109 - BUY HERE

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Combined CDW/SLI & Excess

This policy covers: CDW/LDW (damage, theft and loss of use of the rental vehicle)and SLI (third party) in the USA, Canada, the Caribbean and South America: and it covers Excess charges worldwide. Car rental companies in USA and Canada generally charge between US$20 and US$30 per day for Collision Damage Waiver (CDW/LDW) and Supplemental Liability Insurance (SLI). Car rental companies charge up to £12 a day for Excess at the car rental counter

• Covers the rented vehicle in the USA, Canada, South America and the Caribbean for Collision Damage Waiver (CDW)/Loss Damage Waiver (LDW) up to US$80,000

• Provides Supplemental Liability Insurance (SLI), in the USA, Canada, South America and the Caribbean, up to US $1 million

• Covers Excess on damage to the rental vehicle, Excess on theft and damage to windows/glass, tyres/wheels, the undercarriage and the roof anywhere in the world where Excess is charged.

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

• Unlimited use within the 12 month cover period

Annual Policy covering SLI & CDW in USA & Canada and Excess worldwide £129 - BUY HERE

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Policies available for 75 - 85 year olds

With the age of the traveling public increasing, these new policies will help those aged 75 to 85.

• Covers excess on damage to the rental vehicle including the roof and the undercarriage, excess on theft, and damage to windows and tyres

• Valid at all car rental locations in Europe (and worldwide for Excess Worldwide 75-85 policy holders)

• One low, annual premium allows unlimited use within the 12 month cover period

• Covers the Policy Holder, who must be the person hiring the car, and all additional drivers named on car rental agreement

Europe 75-85 Cost: £65 - BUY HERE

EXCESS WORLDWIDE 75-85 Cost: £75 -BUY HERE

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The above information has been prepared by Insurance 4 Car Hire Agents Ltd of Trans-World House, 100 City Road, London EC1Y 2BP England

Insurance4carhire.com is a trading name of Towergate Underwriting Group Ltd which is authorised and regulated by the Financial Services Authority, Register Number 313250. The company is registered in England and Wales, Company No. 4043759. The Registered Address is: Towergate House, 2 County Gate, Staceys Street, Maidstone, Kent ME14 1ST. .Jeffrey Milner Ltd T/A jml Property Services acts as introducers to Insurance 4 Car Hire Agents Ltd

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EXTRA BENEFIT with "Gold" FREE car key insurance find out more here...

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April 2007 Insurance4carhire.com is pleased to announce that it has launched a car rental Excess comparative site

The site shows the Excess amounts charged by the major car rental companies, as well as the daily rates they charge to reduce the Excess.

The information was compiled during April 2007 by Insurance4carhire staff calling each car rental company's airport location at the international airport in the capital city of each country – more than 180 locations in total - and the costs are based on the daily cost of excess for a compact size car.

The survey was conducted in more than 30 countries across Europe, South Africa, New Zealand, Australia, USA and Canada. The car rental companies surveyed are: Alamo, Avis, Budget, Europcar, Hertz and National

It clearly and simply shows the consumer:

What their exposure is to Excess on their rental – information that is often hidden and very difficult to get even when you call the car rental location

What it will cost them to take the car rental company’s own Excess cover
What the car rental company’s own cover excludes – generally damage to windows, tyres, the undercarriage and the roof.
Compares the car rental company’s charges to insurance4carhire’s prices, based on our Daily Policy, and illustrates the saving.

Follow this link to visit the site

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ADVICE ON CAR RENTAL

Before you leave home - Ensure thay you are carrying both your picture and paper driving licences. The paper licence is essential as it shows any endorsements you may have.

When you collect the car:

Check the vehicle for damage
Check the spare tyre

REMEMBER:

Most car rental locations require a credit card
Most car rental locations will not accept debit or switch cards
You must have held a valid driving licence for one year
British licence holders should note that many car hire outlets will not release the rental vehicle on sight of a photocard driving licence without also seeing the paper licence counterpart.They may also ask to see the paper licence counterpart of all named drivers.
Always ask what is included in the rates quoted
Never initial or sign an agreement without asking about each item
Do not over insure. If you have travel insurance you do not need personal effects or personal accident insurance
Pre-purchase or Pre-reserve your car rental
Purchase from agents within your own country in case you need refunds or assistance
When you pick-up your vehicle determine where the drop off point is for your return
Ask if the return area has an attendant. If not, who do you return the car to?
If you leave the vehicle without check-in, examine it for damage and photograph it from every angle.
Drink drive laws vary from country to country - for example in Italy if you have a glass of wine and a grappa with dinner and you are stopped by the police - you will be fined.
Know your speed limits - these vary from country to country.
Speed / Radar cameras certainly apply to rental cars as well! The rental company will be notified and the renter contacted by the authorities. Speed traffic camera information is now being sent from one country to another. e.g. someone caught speeding with a French registered car in Italy will find that the fine will be reported to the French authorities if it is not paid.
Check with the Hire company if you can take the car out of the country you are renting in.e.g. Going from France into Italy or if renting in Ireland can you take the car into Northern Ireland or into the Republic of Ireland.

The above information has been prepared in association with information from Insurance 4 Car Hire Agents Ltd

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At the World Travel Awards 2005 insurance4carhire won: World’s Leading Innovative Ecommerce Travel Product, for the second year

Additional Warning: Many car hire companies encourage the hirer to return the car empty. If you were to refill this yourself before taking it back, it is more than likely it would cost you less than the fuel deposit you paid when you took out the rental.

If you are renting a car via a company like Holiday Autos you will be provided with a voucher that you will have paid for in advance on line.

You then present the voucher to the car rental company. Some car hire companies will "swipe" your credit card so the details are stored on their computer, but will not actually debit your card at that stage. This is rather like when you book into a hotel.

They are taking your card details in case of accident, or any additional charges that are levied at the end of the rental like - out of hours collection - fuel charges - insurance etc.

Other companies will immediately debit your card as either they do no have this "swipe" and store facility or it is their policy to debit the account to cover a deposit, fuel charge etc. The downside to this is, if you are in a different currency e.g. renting in a "euro" currency country, but coming from the UK, Switzerland or the USA for example, your bank back home will charge for the conversion onto your card. On top of this exchange rates vary, so when you return the car and they "credit" your card again apart from being charged an exchange commission by your card/bank provider, the rate of the dollar, euro, Swiss franc might have gone up or down.

Unfortunately there is nothing you can do about this and the system does vary from company to company.

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See also Insurance4carhire.com Press Releases -

Drivers Down Under Hit by biggest Car Hire Excess Charges – Don’t go the distance without protection, warns INSURANCE4CARHIRE.COM - Excess charges incurred by drivers in Australia disproportionately high compared to other motorists - June 2008

Drivers Abroad are stumped by hefty Car Rental Excess costs, but could save £££’s on the holiday budget with an annual policy - April 2008