Car Hire Excess Waiver is an optional upgrade for InsureandGo policies that reimburses accidental damage or theft excess up to £5,000 and key replacement costs up to £500 for rental vehicles. It requires adherence to rental agreements, receipts, and a police report for theft. It excludes claims involving persons under 21, unapproved locksmiths, and non-compliance with rental terms.
Car Hire Excess Waiver is an optional upgrade that can reimburse certain rental vehicle excess or key replacement costs if the upgrade is shown on your policy schedule.
What this article helps you do
This article explains what Car Hire Excess Waiver can include. It also explains the key definitions, limits and exclusions.
Applies to
- Applicable policies: All InsureandGo policies with the optional upgrade
- Trip type: Single Trip and Annual Multi-Trip
- Who it applies to: People insured under the policy
- What to note: Car Hire Excess Waiver must be shown on your policy schedule and the extra premium must have been paid
- Not included if: The claim relates to any person under the age of 21
Quick answer
- Car Hire Excess Waiver is optional.
- It can reimburse the accidental damage or theft excess applied to your car hire insurance.
- It can help with rental vehicle key replacement costs.
- You must follow the rental agreement.
- You must provide receipts and invoices.
- Vehicle theft needs a written police report.
Car Hire Excess Waiver amounts
Car Hire Excess Waiver can include:
- Collision damage excess waiver: up to £5,000.
- Rental vehicle key cover: up to £500.
- Excess: Nil.
These amounts apply to all policies when the optional upgrade is selected and shown on the policy schedule.
Key definitions
- Rental company means a company that is fully licensed by the relevant regulatory authority in the country, state or local area where it operates and rents out vehicles for a fee.
- Keys means keys and key fobs used to lock and unlock the rental vehicle.
- Accidental damage means a sudden, unexpected and specific event that happens at a clear time and place, causing physical damage to the insured rental vehicle.
What Car Hire Excess Waiver can include
Car Hire Excess Waiver can include reimbursement of the accidental damage or theft excess applied to your car hire insurance if the rental vehicle is:
- Stolen.
- Damaged.
- Involved in an accident during the rental period.
It can also include the cost of replacing rental car keys if they are lost, stolen or damaged during the rental period.
Key cover can include necessary costs for:
- Replacing locks.
- A locksmith gaining access to the vehicle.
Examples:
Losing the rental vehicle key during the rental period:
Car Hire Excess Waiver can help with the cost of replacing it.
Key cover can include necessary costs for:
- Replacing locks.
- A locksmith gaining access to the vehicle.
Rental vehicle damaged:
If the rental vehicle is damaged in a collision during the rental period and the rental company applies an excess, Car Hire Excess Waiver can reimburse that excess. so long as the excess is below £5000.
What is not included
Car Hire Excess Waiver does not include claims resulting from, or relating to:
- Not following the terms of your rental agreement.
- Any person under the age of 21.
- Vehicle theft where no written police report is provided.
- Claims where receipts and invoices are not provided.
- A locksmith who is not approved by the rental company.
- Anything listed in the General exclusions.
What you need to do
If you need to use Car Hire Excess Waiver:
- Check that the upgrade is shown on your policy schedule.
- Keep the rental agreement.
- Keep receipts and invoices for the claimed costs.
- Get a written police report if the rental vehicle is stolen.
- Use a locksmith approved by the rental company if locksmith costs are involved.
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