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: 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: 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: 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: Do I have to get excess insurance?
Excess insurance is not a requirement; however it is recommended to decide if you can afford any payments for damage or theft of the vehicle. Excess insurance will reimburse these charges in the event of an incident, providing you peace of mind.
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: 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