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 you have to be a UK resident to buy this cover?
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: 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: 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: 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.
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.