Car Hire Excess Insurance - which provider and any discount
Discussion
Got hire hire booked in Malaga (Thrifty).
No intention of buying their version of Excess Waiver
I've bought Car Hire Excess Insurance in the past, can't remember where from. had to use it once too, in the UK with a known scrupulous car hire firm. Worked out fine. Sent evidence and then they sent me refund (I had to pay the car hire firm initially) within a week or so.
So, any recommendations on providers and any discount codes knocking about?
Similarly any to avoid?
Might work out more cost effective to get annual policy.
Which recommends these as a good buy (in order of best to good)
Cover4Rentals
WorldWide Insure
Chew Insurance (not longer quoting)
Reduce My Excess
No intention of buying their version of Excess Waiver
I've bought Car Hire Excess Insurance in the past, can't remember where from. had to use it once too, in the UK with a known scrupulous car hire firm. Worked out fine. Sent evidence and then they sent me refund (I had to pay the car hire firm initially) within a week or so.
So, any recommendations on providers and any discount codes knocking about?
Similarly any to avoid?
Might work out more cost effective to get annual policy.
Which recommends these as a good buy (in order of best to good)
Cover4Rentals
WorldWide Insure
Chew Insurance (not longer quoting)
Reduce My Excess
Truckosaurus said:
I've had a policy with Eversure for the past few years. About £50 for worldwide cover. Never claimed, so no idea how good it is.
Thanks. Incidentally... they don't cover Green Motion... and that is exactly the unscrupulous hire car company I had to claim against a few years ago!
Used Allianz a few years back when I had to claim.
They couldn't have been more helpful with a named advisor seeing the claim from start to finish and quickly paying out once they received the requested paperwork.
Took out my home insurance with them afterwards on the strength of the service received with the excess cover.
They couldn't have been more helpful with a named advisor seeing the claim from start to finish and quickly paying out once they received the requested paperwork.
Took out my home insurance with them afterwards on the strength of the service received with the excess cover.
I use Swinton.
Be aware though that many car hire companies now insist on pre-authorising and blocking the amount of the excess on a credit card if you refuse their excess insurance. We had this at Geneva recently with Enterprise and they wanted 3,000 CHF from memory if not using their insurance.
Be aware though that many car hire companies now insist on pre-authorising and blocking the amount of the excess on a credit card if you refuse their excess insurance. We had this at Geneva recently with Enterprise and they wanted 3,000 CHF from memory if not using their insurance.
Guyr said:
I use Swinton.
Be aware though that many car hire companies now insist on pre-authorising and blocking the amount of the excess on a credit card if you refuse their excess insurance. We had this at Geneva recently with Enterprise and they wanted 3,000 CHF from memory if not using their insurance.
To be honest, I expect that to be standard, in the UK too. Obviously the amount will differ.Be aware though that many car hire companies now insist on pre-authorising and blocking the amount of the excess on a credit card if you refuse their excess insurance. We had this at Geneva recently with Enterprise and they wanted 3,000 CHF from memory if not using their insurance.
If you are going to need it regularly, I would recommend getting a platinum AmEx. It comes with the rental car excess coverage. I used it in Italy a few weeks ago, had a slight bump in the car - totally my fault. Hertz charged the excess to my card, and AmEx refunded it it with a week. All very simple a never any suggestion of not paying out.
Jonathan27 said:
If you are going to need it regularly, I would recommend getting a platinum AmEx. It comes with the rental car excess coverage. I used it in Italy a few weeks ago, had a slight bump in the car - totally my fault. Hertz charged the excess to my card, and AmEx refunded it it with a week. All very simple a never any suggestion of not paying out.
That card comes with a pretty punchy fee of £650 pa so you would want to be sure you were making use of a lot more than the hire car excess insurance. I use https://www.carhireexcess.co.uk/ and they've been fine. Usually much cheaper than any alternatives, and the one time I had an issue I submitted all the documents and the money was in my account less than 7 days later.
Questor fan here
Used them in places as varied as the US when being heavily sold extra cover which was immediately dropped and Italian airports where I had previously been the victim of attempted scams for scratches and scrapes. But not the subsequent times when they knew I had Questor
Have a great trip
loofer said:
To be honest, I expect that to be standard, in the UK too. Obviously the amount will differ.
The EU car hire co.s don't take any reservation if you pay for their insurance. Its only when you self insure, and its usually between £650 and £850 block/hold on your CC.I've used insurance4carhire in the past. I now have annual cover as part of HSBC premiere banking
Its going to be on a company by company basis, I can't imagine many will include it by default. There will always be an excess unless otherwise stated. (and I'd not trust AI at all - it is consistently wrong when offering up answers on google searches, worryingly so, considering people believe it without checking). I've modified my browser so I don't get AI search answers, its that bad.
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