Car Hire Excess Insurance - Optional Extras

Get A Quote

Dual Lead Driver

This option allows two Lead Drivers to hire vehicles independently of each other at the same or at different times.

Both drivers must be Close Relatives who permanently reside at the same address shown on the Certificate of Insurance and are deemed to be joint Policyholders.

Cover benefits, exclusions and conditions apply to both drivers during the Period of Insurance. References to ‘You’ in this document are amended to mean both drivers.

This option is only available on Annual Multi Trip policies and must be purchased prior to collecting a vehicle.

Extended Rental Agreement

This option allows You to hire a vehicle for up to sixty-two (62) calendar days as opposed to thirty-one (31) calendar days.

This option is only available on Annual Multi Trip policies and must be purchased prior to exceeding thirty-one (31) calendar days under a single Rental Agreement.

Collision Damage Waiver (CDW)

This option only applies if the Rental Company does not provide any collision damage waiver cover and is only available outside of Europe.

We will pay up to £75,000 for any damage caused to or the theft of Your rental vehicle for which You are held responsible under the terms of Your Rental Agreement.

There is no cover provided for any third-party liability for which You may be held responsible, and You should ensure that adequate third-party insurance is provided under the terms of Your Rental Agreement or is purchased separately elsewhere.

Please note that if this option is purchased then the maximum recoverable under this section of the policy which You can claim during the Period of Insurance is £75,000.

Iceland Extension

This extension has been developed to take account of the specific exclusions that exist when hiring a car in Iceland and provides cover for risks typically excluded from Your Rental Agreement excess.

We will provide cover for weather related charges arising from the incident for damage to the Rented Vehicle’s exterior that are specifically not covered by the collision damage waiver / insurance provided under the terms of Your Rental Agreement. The damage cover is limited to: -

1. Windblown doors
2. Damage caused by sand, gravel, ash, pumice, or other earth materials that are blown onto the vehicle or thrown onto the vehicle by another vehicle, machine, or person. Consequential damage to the radiator, engine, or transmission is not covered.

Please note that if this option is purchased then the maximum recoverable under this section of the policy which You can claim during the Period of Insurance is £10,000.

We will not pay for any loss if You have not followed the conditions set out in Your Rental Agreement or where You have contravened Icelandic law.

Vehicle Battery Failure

This option will reimburse You for charges applied by the Rental Company, up to the amount stated on Your Certificate of Insurance, if the battery of a Rented Vehicle fails for costs relating to: -

• Replacing the battery of a conventional or electrical vehicle, including any associated fitting costs
• Charging the battery of a conventional or electrical vehicle
• Vehicle replacement costs
• Roadside assistance relating to the failed/flat battery

We will not pay any Rental Company refuelling or administrative charge if You have simply failed to return Your Rented Vehicle uncharged and contrary to the terms and conditions of Your Rental Agreement or for any claim where You have not acted on the instruction of Your Rental Company or its recovery service.

Car Club Cover

This option amends the terms of the policy so that You/Your also refers to a Car Club member.

Cover is extended to include hiring vehicles from Car Clubs. All other terms and conditions of this policy remain the same.

Any Car Club member/additional driver driving the Rented Vehicle must be named on the Certificate of Insurance You hold with Us.

This option is only available for purchase on Annual Multi Trip policies.

Please note that if this option is purchased then the maximum recoverable under this policy which You can claim during the Period of Insurance is £10,000.