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: 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: www.simplyexcess.com
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 difference between Excess, CDW, Non-Waiver and Deductible?
Excess is a sum of money that the driver must pay in the event of a claim, even if they have insurance coverage. Different car rental companies may use different terms to refer to it, but it is essentially the same thing.
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: Why is it an optional extra to get Collision Damage Waiver?
Collision Damage Waiver (CDW) is an optional insurance that can increase the amount of coverage to up to £75,000 for any damage caused to your rental vehicle. It may be included in your rental package, so you should check with the rental company to verify this.
Q: Do you have to be a UK resident to buy this cover?