Q: What is car hire excess insurance?
Car hire excess insurance protects you from having to pay for the extra costs associated with insuring a rental car. It covers any damage to the car during the rental period that is not covered by your rental company's insurance policy, up to a certain amount. Our policies offer coverage for those excess costs so you don't have to worry about them.
Q: What is the difference between a Daily and an Annual policy?
The Daily/Single Trip policy cover one or more consecutive Car Rental Agreements within the period of insurance shown on your Certificate of Insurance, up to a maximum of 90 days. Only one rental vehicle may be covered at one time.
The annual cover provides unlimited individual Car Rental Agreements, up to a maximum of 31 days per agreement during the period of insurance as shown on your Certificate of Insurance. Only one rental vehicle may be covered at one time unless you have selected the Optional Joint Cover.
Q: Does your excess policy cover tyres, windscreens and keys?
Our car hire excess insurance policies includes cover for windows, tyres, wheels, headlights, undercarriage, & roof.
Q: If I have taken out your excess waiver insurance, why do I still need to provide my credit card details to the rental company?
This policy provides reimbursement for rental costs you have paid out in the event of damage to the rental vehicle.
You will need to pay the excess/costs first, then claim back the amount up to your policy's cover limit as printed on your Certificate of Insurance.
You can download a claims form here: simplyexcess.com/claims/claims.php
Q: How do I use excess protection Worldwide?
When you get to the car rental desk, don't buy their excess insurance.
You don't need to show them your policy with SimplyExcess, but they will ask for your credit card so they can block out the amount of excess for which
you are responsible. If the rental company charges you for something that is covered by your policy, you can make a claim with us to be reimbursed.
You can download a claims form here: simplyexcess.com/claims/claims.php
Q: Are courtesy cars covered?
Yes - provided you have a signed car rental agreement in place for the loan car, as this will confirm you as acceptable as a car hire excess customer. In addition to a signed car rental agreement, and in the event of a claim, you will be required to provide damage reports, etc.
However, please note that you would not be covered under this car hire excess policy if you use your own personal car insurance (i.e. the loan car is insured by your policy - not by the garage/dealership providing the car) and only take out this SimplyExcess car hire waiver. A car hire excess claim would not be considered in such circumstances.
Q: What type of insurance do I need when renting a car?
When renting a car, the standard coverage typically includes Collision Damage Waiver (CDW), Theft, and Third Party Liability.
However, in the event of theft or damage to the vehicle, you may still be responsible for an Excess fee, ranging from £500 to £1500 or more.
While you can buy Excess insurance from car rental desks for approximately £10 to £20 per day, it often excludes damage to tires, windows,
roof, or undercarriage. SimplyExcess provides a more affordable option for Excess Car Hire Insurance, ranging from just £5.49 for one day's cover to £13.99 for a week.
Their coverage extends to additional damages, unlike standard offerings. You can purchase this insurance directly through SimplyExcess;
the Voyager Daysaway policy costs range from just £6.99 for one day's cover to £17.99 for a week, while the Annual Europe policy is priced at £36.99 annually.
Q: Do your policies cover vans as well?
No: unfortunately at the moment, our policies do not cover excess on van rentals.