Car Hire Excess FAQ's

Question

Response

What is Car Hire Excess insurance?
Most if not all car hire company’s charge you extra to insure your rental vehicle, this may be hundreds of pounds. Car Hire Excess insurance is a cheaper alternative to the car hire company’s own product. It insures up to £6,000 (£6,000 for any one claim) of damage to your vehicle.
Can I insure more than one driver?
Yes you can insure up to 7 additional drivers on the same policy as long as they are between 21 and 85 years of age, have a valid driving license and are listed as drivers on your car hire rental agreement.
How do I add additional drivers?
Just simply make sure they are named on your car hire rental agreement then they are automatically covered on your Car Hire Excess insurance policy.
What is covered under my Car Hire Excess insurance?
You are covered for up to £6,000 in total, and for any one claim (excluding CDW and SLI) for any excess or repair costs you have to pay under the terms of your car hire rental agreement if your rental vehicle is involved in an incident whilst being used for business or pleasure and it results in:
• Damage to the rental vehicle including damage to the windows, tyres and wheels, headlights, the undercarriage and the roof;
• Loss of use of the rental vehicle including theft;
• Towing costs relating to damage or mechanical breakdown.
What is Collision Damage Waiver or CDW?
Most hire car rental agreements in U.S.A., Canada, The Caribbean, South and Central America only offer limited or no third party liability insurance, CDW pays up to US$100,000 for loss or damage to the rental vehicle under a car hire rental agreement.
What is Supplemental Liability Insurance or SLI
Most car rental agreements in U.S.A., Canada, The Caribbean, South and Central America only offer limited or no third party liability insurance, SLI pays up to US$1,000,000 for third party bodily injury and damage to material property.
Can I Insure a 4x4 or Sports Utility Vehicle (SUV)
Yes providing it has a maximum of 9 seats.
Can I insure a Minibus?
You can insure any vehicle up to a maximum of 9 seats so any minibus larger than this would not be covered.
Can I insure a van?
Yes, providing it is not a commercial vehicle and it is used for private use only.
What sort of driving license do I need?
You and all other insured drivers must be aged between 21 and 85 years of age on the date of purchase of your insurance and must have a full valid driving licence, or hold a full internationally recognised licence.
Is breakdown cover included?
Roadside assistance is not covered, if you breakdown this should be covered by your car hire rental provider but you are covered for towing charges relating to damage or mechanical breakdown.
I have not received my insurance documents
When you purchase your insurance coverage from Bettersafe, we generate an automatic email containing your policy documents, this is sent to the email address you provided. (Please check your spam or junk email folder).
If you have not received this email, please contact us by email at enquires@bettersafe.com with your policy number, full name, address, the date you purchased your insurance coverage and we will send you another copy.
Who is the insurer of Car Hire Excess insurance
This insurance is underwritten by certain syndicates of Lloyd’s of London, which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority.
How do I make a claim?
All claims must be notified to the Claims Administrator, Jubilee Service Solutions, by either telephoning, emailing or writing to them.
For more information please look at the Claims Section here
How can I cancel my Car Hire Excess insurance?
You may cancel your insurance within the cooling-off period and you will be entitled to a full refund of the premium as long as you have not made a claim and do not intend to make a claim.
You can also cancel at any time after the cooling-off period and we will make a proportionate refund of the premium paid. However, any such refund may be subject to an administration charge. You will only be refunded as long as you have not made a trip or made a claim and do not intend to make a claim.
For more information please refer to your insurance policy document or contact us by telephone number at +44 (0)20 3740 4431 or by emailing us at enquires@bettersafe.com.
Your premium refund will then be credited back to the debit or credit card you used in the original purchase. This can take up to 10 days to appear on your card statement.
How can I make a complaint?
We aim to provide a high level of service to all our customers but occasionally things can go wrong. When this happens, we will do everything we can to put things right and assist you.
If you wish to make a complaint, please telephone us at +44 (0)20 3740 4431.
For more information on how to complain please look here or please refer to your insurance policy document.
Can I buy your product if I live outside the UK?
No, unfortunately you can only buy Bettersafe’s Car Hire Excess insurance if you are a permanent UK resident.
What if there is an error in my insurance schedule, how do I change it?
If there is an error in your insurance schedule, please send us an email at enquires@bettersafe.com with your Policy number and the correction you would like to make. We will then correct our records and send you the updated insurance schedule.
What types of vehicle do you insure?
To be eligible for our Car Hire Excess insurance, the rental vehicle must:

• be equal to or below £65,000 in value; and
• not be over 10 years’ old.

We do not cover motor homes. camper vans, trailers, caravans, commercial vehicles, trucks, motorcycles or passenger vehicles with more than 9 seats.
What is the maximum amount of time covered by your Car Hire excess insurance?
We have two different maximum hire periods:

• For single trip (daily) cover; you are covered for a single rental agreement up to a maximum of 180 continuous days.
• For annual cover, you are covered for up to 62 days for any one rental agreement. There is no limit to the number of rental agreements you make take out in any one year.
 
What Additional benefits does your Car Hire excess insurance have?
Our Car Hire excess policies have the following additional benefits:

1. Car Rental Key Cover - up to a maximum of £500, for each and every claim.
2. Miss-fuelling Cover - up to a maximum of £500 for each and every claim.
3. Reparation – of £25 per day with a maximum of £300 during the period of insurance.
4. Drop Off Charges – up to £300.
5. Lock-Out – up to a maximum of £60 if you are unintentionally locked out for physical assault.
6. Road Rage – up to £1000 for physical assault.
7. Car Jacking – up to £1000 for physical assault.

You can find more information about the additional benefits in the insurance policy document.

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