HIRING
A CAR/ RENTING A CAR?
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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of Page
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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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of Page
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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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of Page
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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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of Page
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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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of Page
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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
_________________________________________________________________________________________________
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
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
See
also
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of Page
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.
See
also: Renting
a Car Can Prove More Expensive Than Originally Budgeted For
Annual
Car Rental Insurance Renewal is here again
Louer
une voiture?
Insurance
4 Car Hire Agents Ltd fournit une
assurance pour la personne qui loue la voiture. Ses polices d'assurance
offrent une couverture mondiale, y compris une série de polices
répondant aux différentes exigences en matière d'assurance de
voitures de location applicables en Europe et aux USA.
Moyennant
une faible prime annuelle, Insurance4carhire.com fournit
une assurance complémentaire qui protège le client contre les
suppléments de coûts à chaque location de voiture.
La plupart des sociétés de location
de voitures appliquent une franchise sur leurs locations, certaines
jusqu'à concurrence de £1,000(1,468 ).
La plupart des sociétés de location de voitures offrent leur propre
assurance complémentaire, mais un grand nombre de ces polices
excluent les dégâts des vitres et pneus et coûtent jusqu'à £12
(17,62 )par jour. “Souvent,
le client est le premier à remarquer ces coûts supplémentaires
quand il se présente au guichet de la société de location.”
Cliquez
ici pour plus de détails
Insurance
4 Car Hire Agents Ltd est agréée et réglementée par la Financial
Services Authority. Notre numéro d’inscription FSA est le
307953. Toutes les primes seront placées sur un compte de fiducie
à titre de protection, conformément au Règles sur l'argent des
clients de
la Financial Services Authority.Jeffrey
Milner Ltd - jml Property Services actes comme introducers à Insurance
4 Car Hire Agents Ltd. Sous la propriété BRITANNIQUE de jml de
règlements de FSA les services ne peuvent pas donner des conseils
verbalement ou par écrit concernant l'assurance ou aider avec
des changements aux polices d'assurances d'assurance que vous
avez sorti. Vous devez contacter l'assureur direct. Nous ne pouvons
pas donc fournir toutes les citations par téléphone
_____________________________________________
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
Confusing
car rental jargon, unclear insurance policies and excessive excess
– The Big 3 pitfalls that can leave you out of pocket when hiring
a car on holiday, warns Insurance4car.com - April 2008
Age
no barrier to protection for older drivers – Low cost excess waiver
policy helps over 75s stay on the Road - March 2008
Brits
set to get stung this Easter with Sky-High excess insurance costs
– EU car rental firms cash in on UK drivers with massive excess
charges - March 2008
insurance4car
hire.com - March 2008
Brits
go holiday crazy reckons major survey – but Insurance4carhire.com
says watch out for excess car hire charges - March 2008
Trusting
travelers tripped up by Holiday Car Hire pitfalls – Wise up or
pay up, says Innsurance4carhire.com - March 2008
The
Great Excess Insurance rip-off - EU Car Rental firms fleece Brit
drivers with massive excess Penalties - February 2008
Towergate
Partnership announces the acquisition of Insurance 4 Car Hire
Agents Ltd - January 2008
Lower
prices for car hire excess insurance from December - December
2007
Annual
Car Rental Insurance Renewal is here again - October 2007
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