Q: What age do you have to be to be eligible for this policy?
You must be between 21 and 85 years old(inclusive) at the start date of your policy.
Q: How much time do I have to report my claim to the insurance company?
You must notify your insurance company as soon as reasonably possible after the incident or after the rental period ends. To initiate a claim, discuss a claim or inform us of a potential claim, please get in touch with the Claims Handler at White Horse Insurance Claims Department via email [email protected] or by telephone on 0173 322 4857 during our operational hours, Monday to Friday from 09:00 to 17:00, excluding public holidays. Alternatively, you can download a claim form from the SimplyExcess website at www.simplyexcess.com.
Q: Do you have to be a UK resident to buy this cover?
Q: In which countries is excess charged?
Car rental excess fees can be charged in various countries around the world, depending on the specific terms and conditions of the rental agreement. Generally, you can expect to encounter car rental excess charges in popular tourist destinations and major cities where car rentals are common. Some countries where car rental excess fees are commonly charged include: UK, Ireland, Europe, South Africa, New Zealand, Australia, parts of the Middle and Far East.
Q: The rental/hire company has refused to accept your policy and insisted that we take their own policy before releasing the hire car. I/We had no option but to accept. What should I do? Is your policy valid?
Yes - our policy is valid. However, some (less scrupulous) rental companies will try to force you to accept their own policy, and tell you that it is compulsory to do so. There is no legal obligation to have an excess insurance policy (it's merely good sense) and the companies are treading a very fine legal line when they try and force the policy on you. However, it's often difficult to argue the finer legal points when you're at the counter trying to get on with your journey. If this has happened to you, then please contact us at [email protected] and we will look into the matter and (if possible) offer a refund.
Q: What is the procedure for filing a claim?
If the rental company charges you for damage to the vehicle, you will need to pay the charge (which will be debited from your credit card), and then you can submit a claim to us through our online claims process in order to get your money back. You can download a claims form here: www.simplyexcess.com.
Q: What is included in my policy?
During the purchase process, you should have access to the Insurance Product Information Document and policy wording. Once you have purchased your policy, a copy of the policy wording and Certificate of Insurance will be emailed to you.
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 £2.99 for one day's cover to £12.99 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 £3.99 for one day's cover to £14.99 for a week, while the Annual Europe policy is priced at £30.99 annually.