Q: Do your policies cover van hire?
No. At the moment we are unable to offer cover for van rentals.
Q: How does SimplyExcess work?
With SimplyExcess.com car hire excess policies, you can save money by declining the extra cover offered at the car rental company's desk. When there is damage to the vehicle, they are unlikely to charge your credit card unless the amount is small and will likely contact our claims management company instead. To ensure that all circumstances in which damage was sustained are documented, you must submit a claim form as part of your policy coverage.
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: 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: Are the windows, tyres, wheels, headlights, undercarriage, & roof of the rental vehicle covered by insurance?
Q: What’s the difference between an additional driver and a joint policyholder?
An additional driver is someone listed on the car rental agreement alongside the policyholder, as long as the policyholder is named as the lead driver. The additional driver is covered to drive the rental car—even on their own—but only when the policyholder appears as the lead driver on that rental contract.
A joint policyholder, on the other hand, shares the policy with equal rights. Both named individuals can hire cars independently as the lead driver and enjoy the same level of cover—without needing to be on the same rental agreement.
If you’d like both drivers to be able to hire cars independently, please choose the joint policy option during the purchase process and add the second policyholder. An additional fee applies.
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: Do I need a special kind of Driving Licence?
You must hold a valid and internationally recognised driving licence.