The important thing to understand is what the terminology means. Many of the problems over car hire and insurance can be put down to language and country.
If you insure your own car Fully Comprehensive then that is exactly what it is. Everything is covered. The excess typically £100 is a voluntary contribution you agree and it helps to keep the cost down.
Typically the hire company may quote in this manner which I have pasted from a site.
Collision Damage Waiver (CDW)*
Vehicle Theft Waiver*
Liability Insurance*
Premium Location/Airport Fee
VAT Local Tax
Road Fund Tax (RFT)
Unlimited Mileage
Break Down Assist
* Subject to deductible/excess
The important thing to take note off is the item in small print at the bottom.
"Subject to deductible/excess"
CDW is what it says - If you have a bump then you are covered - Sort off
Vehicle Theft Waiver - If it is nicked then you are covered - Sort off
Liability Insurance - You are in theory covered if anyone is injured and makes a claim against you - Sort off
SORT OFF - What it means.
CDW may cover you but you may be liable for say the first £100 of a claim - Just like the excess on your own car insurance.
Vehicle Theft Waiver - Covers you if the car is stolen - again there may be an excess but typically it does not cover your personal items in the car.
Liability Insurance - Again there may be an excess - covers you against claims by third parties - BUT - it may not cover members of your party who subsequently claim against you.
You can usually pay an additional premium that covers you for any excess. Insurance for your passengers can also be taken for payment of a premium. Remember that often they will be named on the policy so if you give a lift to someone then they may not be covered.
ALWAYS ask the question when you book/take delivery of the vehicle - make sure that the relevant boxes are ticked on the agreement. Should there be a claim then what it says on the document will decide liability. If the box is not ticked then it is not covered.
People often start to add up all the additional premiums. Just like booking a cheap flight it is the "add on" items that make car hire offers seem expensive. Many people take a chance and decide not to pay them.
Ask yourself "Do you feel lucky?"
Always ensure that you
inspect the vehicle with a representative of the hire company
Before you drive off and when you return it. Many complaints arise because everyone is in a hurry.
Always pay by Credit Card - Should a problem arise then you can appeal to them - A Debit card does not give you the same cover.
Bookings can often be made through agents in the UK - If you do so then you have additional protection under UK law.
In all the years I have hired a car I have always taken the cover yet never had a claim. I will be hiring cars on my next holiday and will still be taking the cover - there is always a first time. But there are a lot of people who have not and are still paying for it - Save yourself £50 and spend the rest of your life regretting it.
Sometimes booking through the TO can be an advantage. The one I use has a policy - The firms they use have to quote a price that covers all these.
Finally you must remember, if you hire a car in another country then the agreement is subject to the laws of that country -
what you think it means may not mean the same to them.
Tyres and Wheels It is normal practice both here in the UK and abroad that punctures and tyre and wheel damage are excluded from the agreement. If you damage them then you have to pay for repair or replacement
Breakdowns All hire cars have breakdown cover. Here in the UK it is typically AA or RAC - In the event of a breakdown you should call them - not the hire company. The number is normally on the windscreen - check when you collect the vehicle just in case they have a different system.
Hope the above is some help.
As an update following some problems people have reported here on HT.
Always make sure you return the vehicle to where the hire company say. They may have more than one site at the airport and people have been surcharged because they have delivered it back to the wrong one.
Don't be tempted to save a few pence filling up miles before you get to the hire depot. If they think it is not full then they will charge you.
No matter how much of a rush you are in when collecting or returning the car make sure you inspect it thoroughly. That includes the spare tyre. Not unknown for the vehicle tp be sent out with a damaged spare only for you to be blamed on return. Make sure all the lights and horn work and you have the right items in case of a breakdown. Warning triangle and Hi Vis vest in some countries. At the end of the day it is you who will have to pay any fines.
fwh
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Edited by
fwh
2009-07-10 13:40:31