Car Rental Insurance – Guide to the UK

Posted: December 25th, 2009 | Author: | Filed under: Other Travel | Tags: , , , | 1 Comment »

 

This is a subject which causes a great deal of confusion with customers who are hiring cars in the UK.

The reason being there are many options available to you and you’re not quite sure what you need and what you can afford to refuse.

Seasoned can often get confused with this.

I am going to explain the section relating to customers arriving from Canada to the UK. North American credit card companies offer extra advantages with their credit card. Car rental insurance is one of these benefits . Often customers from North America when booking a car in the UK will ask that the car rental insurance is not included in the price  as they already have insurance with their credit card company.

The car rental company would only consider a Gold card or a Platinum credit card , as these credit cards have enough credit to cover the cost of the car.

The customer should be aware of this. If you choose to use a Gold credit card to cover the insurance cost and you are involved in an accident. If the damage to the car was extensive and the car had to be replaced, the car hire company would take the total cost of replacing a car from the credit card.


To be reinbursed the renter would have to contact his credit card companies insurance.

If you have an ordinary credit card, not the Gold or Platinum card, you can still offset insurance cost by making use of the credit card cover on your credit card . I am referring to the deductible when mentioning the insurance cost. In North America the damage excess could be referred to as the deductible. In summary this the maximum amount of money that the car hire company will make you responsible for if the car is returned damged. The sum could be in the region of £600.

You cannot directly use your credit card to cover the excess in these circumstances. You would decline the optional insurance that would be offered by the car rental company representative. The representative would authorise your card for all the excess amount. If the car was returned damaged the car hire company would deduct the cost of the repair from your credit card up to the maximum amount of the deductible. You would then use your card cover to claim that amount back.

Various independent car hire companies will offer you cheaper insurance packages .

See Prestwick Airport Car Hire

 

 

One Comment on “Car Rental Insurance – Guide to the UK”

  1. 1 sell my life insurance policy said at 5:33 am on November 27th, 2010:

    Life insurance is an insurance coverage that pays out a certain amount of money to the insured or their specified beneficiaries upon a certain event such as death of the individual who is insured.

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