Insurance4CarHire - Car hire excess insurance

 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,

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 Details here

TYPES OF POLICIES AVAILABLE

Europe:   July 2010 - New Low Price £39.20

• 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 only£49 -  BUY HERE  New Price £39.20

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 only  £65 -  BUY HERE

• 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 only £79 -  BUY HERE

• 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

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 only £109 - BUY HERE

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 only £129 -  BUY HERE

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Policies available for 75 - 85 year olds 

Europe 75-85 Cost: £ 65 -   BUY HERE

Excess Worldwide  75-85 Cost: £ 75 -BUY HERE

New Worldwide Daily CDW/SLI Policy

Insurance4carhire.com is pleased to announce a new product to our expanded excess line of car rental products. We now feature the CDW/SLI Worldwide at a daily price of £5.99 including Insurance Premium Tax

In the USA and Canada the CDW/SLI offered by the car rental companies will generally cost the client $30 per day for coverage. As an added bonus our policy is valid Worldwide and can be used with ANY car rental company.

The daily CDW/SLI policy covers:

- Collision Damage Waiver (CDW/LDW) up to $100,000 per vehicle

- Supplemental Liability Insurance (SLI) covers up to £1 million

- Un-insured and Under-insured motorist to $100,000

- Hit and run is covered up to $100,000

- Lock-out provision, covers up to $60 per vehicle.

BUY HERE

insurance4carhire.com is a tradining 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.

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.
• 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 of Trans-World House, 100 City Road, London EC1Y 2BP England

WANT A GOLD POLICY THAT INCLUDES CAR RENTAL KEY REPLACEMENT? - FIND OUT MORE HERE

Insurance4carhire.com's 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

More Information about insurance4carhire.com

Founded in 2002 by Larry Ursich, Insurance4carhire is an innovative internet insurance company whose core business is the provision of car rental Excess insurance. For 10 years, Larry ran his own car rental broking company, working closely with Dollar and Budget. After noting the high costs being charged by the car rental companies for Excess cover, Larry decided to develop a better alternative: annual car rental Excess insurance products offering customers convenience, peace of mind and very significant savings. The resultant business has grown rapidly and we have already sold more than 90,000 policies.

This organic growth has been achieved through providing exceptional value for money and high standards of customer service. Most of their customers renew year on year, and referrals from their customers to their family and friends account for a large proportion of their business. What's more, the travel and motoring press have been consistent in their praise and recommendation of their policies. 

In 2005, for the second year running, we received the accolade of "World's Leading Innovative Ecommerce Travel Product" from The World Travel Awards. These annual awards celebrate achievement in the travel industry and are based on votes cast by travel industry professionals throughout Europe. 

Their car rental insurance policies are underwritten by AIG from the 1st December 2007.

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.

 För en låg årlig premie, ger Insurance4carhire.com självriskförsäkring som skyddar kunden världen runt mot självriskkostnader närhelst de hyr en bil.

I din bilhyra ingår försäkring för självriskeliminering (CDW). Dock är du fortfarande ansvarig för självriskkostnader för CDW. När en hyrbil skadas eller blir stulen, ombeds föraren att betala en del av reparationerna eller ersättningskostnaderna. Det här är känt som självrisken.

Insurance4carhire ersätter dig inte bara för det totala självriskbeloppet du är ansvarig för om bilen skadas eller blir stulen, utan också för skada på bilens underrede, fönster och däck.

Hur vår självriskförsäkring Excess fungerar
Vi försäkrar försäkringstagaren, inte hyrbilen. Excess självriskförsäkring är frivillig. Avböj biluthyrningfirmans självriskskydd vid disken, då du hämtar ut bilen. Om bilen skadas eller stjäls kommer biluthyrningsföretaget belasta ditt kreditkort med självriskbeloppet och du ska då kräva ersättning från ditt försäkringsavtal.

Klicka här för mer detaljer om våra försäkringar 

 Insurance4carhire.com gewährt gegen eine geringe Jahresprämie Selbstbeteiligungsversicherung, die Kunden - wann immer sie ein Auto mieten - vor Selbstbeteiligungskosten schützt.

Ihre Wagenmiete schließt CDW-Versicherung (Haftungsausschluss) mit ein. Sie haften jedoch bei CDW dennoch für die Selbstbeteiligung. Wird ein Mietwagen beschädigt oder gestohlen, wird von Fahrern verlangt, einen Teil der Reparatur- oder Ersatzkosten zu zahlen. Dies wird als Selbstbeteiligung bezeichnet.

Insurance4carhire deckt sie nicht nur für den gesamten Betrag der Selbstbeteiligung, für den Sie haften, wenn der Wagen beschädigt oder gestohlen wird, sondern auch für Schaden am Fahrgestell sowie an Fenstern und Reifen.

Wie unsere Versicherung zum Ausschluss der Selbstbeteiligung funktioniert:
Wir versichern den Inhaber der Police, nicht das Mietfahrzeug. Ein Selbstbeteiligungsausschluss ist eine freiwillige Versicherung. Lehnen Sie den Selbstbeteiligungsausschluss des Fahrzeugvermieters ab, wenn Sie das Fahrzeug am Schalter abholen. Wenn der Wagen beschädigt oder gestohlen wird, belastet der Fahrzeugvermieter Ihre Kreditkarte mit der Summe der vereinbarten Selbstbeteiligung. Für die Rückerstattung nehmen Sie dann Ihre Police in Anspruch.

 Klicken Sie hier für weitere Einzelheiten zu unseren Policen 

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."

Assurance collision sans franchise (ACSF) et Assurance responsabilité supplémentaire (ARS)

Les exigences en matière d'assurance location de voiture aux USA, au Canada et dans les Caraïbes sont différentes de celles de l'Europe. Lorsque vous louez une voiture dans ces pays, la franchise n'est pas facturée et aucune assurance n'est incluse dans le prix de la location. Le client doit bien sûr contracter une assurance Collision sans franchise (ACSF) pour couvrir les dégâts de la voiture de location et une Assurance responsabilité supplémentaire (ARS) pour couvrir la responsabilité civile, c.-à-d. les dommages personnels ou matériels. L'ACSF/ARS coûte entre US$20,00 et US$ 30,00 par jour. Nos Polices annuelles coûtent au minimum £99,00 (145,00 )(et autorisent une utilisation illimitée tout au long de l'année.

Cliquez ici pour plus de détails

Insurance4carhire.com c'est un nom de Towergate Underwriting Group Ltd quie est agréée et réglementée par la Financial Services Authority. Notre numéro d'inscription FSA est le 313250. Siret no: UK 4043759. Towergate House, 2 County Gate, Staceys Street, Maidstone, Kent ME14 1ST.Angleterre.

Attention à partir de sociétés de location de voitures de location

Lors d'une récente visite en France de la compagnie de location de voitures avait inclus un très utile "Attention pour les locataires» en français et en anglais

Si vous louer une voiture ces jours-ci, il est bien utile d'examiner les conseils suivants sur la sécurité des véhicules:

 Restituez les clés exclusivement à nos comptoirs au personnel en uniforme.
 La non resitution des clés du véhicule peut entraîner la facturation de celui-ci.
 Activez le verrouillage centralisé lorsque vous êtes à l'intérieur.
 Roulez avec les fenêtres fermées.
 Ne laissez pas d'objets personnels visibles dans le véhicule lorsque vous le quittez.

Merci à Alamo, National et Citer location de voitures pour cette information  juillet 2009

See their other products - Click on logo below 

See also Blog Notes +-

insurance4carhire.com the Car hire insurance specialist lowers costs of Annual European Policies - July 10

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

Lower prices for car hire excess insurance from December - December 2007

Annual Car Rental Insurance Renewal is here again - October 2007

Carrentals.co.uk Teams up with Insurance4carhire.com - June 2007

Exercise your constitutional rights in the air - January 2001