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: Do you have to be a UK resident to buy this cover?
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: 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: Do your policies cover van hire?
No. At the moment we are unable to offer cover for van rentals.
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: How do I use excess protection Worldwide?
When you get to the car rental desk, don't buy their excess insurance. You don't need to show them your policy with SimplyExcess, but they will ask for your credit card so they can block out the amount of excess you are responsible for. If the rental company charges you for something that is covered by your policy, you can make a claim with us to get reimbursed. You can download a claims form here: www.simplyexcess.com
Q: Are the windows, tyres, wheels, headlights, undercarriage, & roof of the rental vehicle covered by insurance?