CAR HIRE EXCESS INSURANCE

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?

Bettersafe doesn't provide insurance for vans.


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 enquiries@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 Newline Insurance Comapny Ltd, 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?

For policies purchased prior to the 1st of October 2018, please contact Car Care Plan on telephone: +44 (0) 344 573 8240 or Via Email: specialist.claims@carcareplan.co.uk.

For policies purchased on or after the 1st of October 2018, please contact our Claims Administrator, Commercial & General Ltd on telephone: +44 (0) 20 3740 4431 or Via Email: claims@comandgen.com.

For more information, please look at the claims section here or refer to your insurance policy documents.


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 enquiries@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 enquiries@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.


PRIVATE CAR EXCESS INSURANCE

My car insurance policy has an excess, what is it?

Most insurance policies require you, the policyholder, to pay the first part of a claim. This is called the policy excess. It is also sometimes called a deductible.


How does the excess work on my insurance policy?

When you make an insurance claim you will be asked to either make a contributory payment when you collect your vehicle once repaired or your claim payment from the insurer will be reduced by the amount of the applicable policy excess. Either way you will have to pay part of the claim yourself.


What is Car Excess insurance?

It is possible to insure the amount of excess under your car insurance policy. For a modest additional charge you can take out additional insurance which will pay your excess for you. Often the cost of this protection is less than the saving in the original cost of insurance.


How long does the insurance policy last?

Car Excess insurance is an annual renewable policy.


Will I still need to buy car insurance?

Yes, Car Excess insurance is supplementary to your car insurance – it covers the excess under your car insurance policy not the car itself.


How does Car Excess insurance work?

Once you purchase Car Excess insurance your original car insurance policy excess is protected. If you make a claim under your car insurance policy, we will pay your excess for you to the repairer or garage once you notify us of the claim, if you pay your excess yourself, keep your receipts and we will reimburse you the amount of your excess.


What is covered under Car Excess insurance?

This depends on the amount of the original policy excess you choose to protect but is usually equal to your existing excess.


Can I protect the excess under an existing car insurance policy?

Yes, you can take out Car Excess insurance at any time. We recommend that you do so when you purchase or renew your car insurance policy.


What happens if the repair cost is less than the excess under my car insurance policy?

If the value of your claim is a lower than the amount of the excess under your car insurance, it will not be covered under either your car insurance policy or your Car Excess insurance.


Does the Car Excess insurance cover accidents which are my fault?

Yes both at-fault and non-fault accidents are covered?


Who is the insurer of Car 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?

For policies purchased prior to the 1st of October 2018, please contact Car Care Plan on telephone: +44 (0) 344 573 8240 or Via Email: specialist.claims@carcareplan.co.uk.

For policies purchased on or after the 1st of October 2018, please contact our Claims Administrator, Commercial & General Ltd on telephone: +44 (0) 20 3740 4431 or Via Email: claims@comandgen.com.

For more information, please look at the claims section here or refer to your insurance poliy document.


How can I cancel this my Car Excess insurance?

You may cancel your Car Excess insurance within 14 days of receiving it (cooling-off period) and you will be entitled to a full refund of the premium as long as you have not made and do not intend to make a claim.

You can also cancel at any time after the 14 day cooling-off period and we will make a proportionate refund of the premium paid, as long as you have not made a claim and do not intend to make a claim.

However, any such refund may be subject to an administration charge.

To cancel cover please contact us by writing or emailing to Bettersafe Products Ltd, email address enquiries@bettersafe.com, with your policy reference number, your confirmation you have not nor intend to make a claim and the reason you wish to cancel.

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 on +44 (0)20 3740 4431.

For more information on how to complain please look here.


HOME EXCESS INSURANCE

My home insurance policy has an excess, what is it?

Most insurance policies require you, the policyholder, to pay the first part of a claim. This is called the policy excess. It is also sometimes called a deductible.


How does the excess work on my insurance policy?

When you make an insurance claim you will be asked to make a contributory payment towards the cost of the claim once the claims has been settled i.e. repairs have been completed or your claim payment from the insurer will be reduced by the amount of the applicable policy excess. Either way you will have to pay part of the claim yourself.


How long does the insurance policy last?

Home Excess insurance is an annual renewable policy.


Is the Home Excess insurance transferrable to another house?

It is not possible to transfer the policy to another house.


Will I still need to buy home insurance?

Yes, Home Excess insurance is supplementary to your home insurance – it covers the excess under your home insurance policy not the home itself.


What is covered under Home Excess insurance?

This depends on the amount of the original policy excess you choose to protect but is usually equal to your existing excess..


Can I protect the excess under an existing home insurance policy?

Yes; you can take out Home Excess insurance at any time. We recommend that you do so when you purchase or renew your home insurance policy.


What happens if the repair cost is less than the excess under my home insurance policy?

If the value of your claim is a lower than the amount of the excess under your home insurance, it will not be covered under either your home insurance policy or your Home Excess insurance.


How does Home Excess insurance work?

Once you purchase Home Excess insurance your original home insurance policy excess is protected. If you make a claim under your home insurance policy, notify us of the claim, keep your receipts and we will reimburse you the amount of your excess.


I do not live in the UK can I purchase a Home Excess insurance policy?

You need to have a UK address to purchase a Home Excess insurance policy.


Who is the insurer of Home 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?

For policies purchased prior to the 1st of October 2018, please contact Car Care Plan on telephone: +44 (0) 344 573 8240 or Via Email: specialist.claims@carcareplan.co.uk.

For policies purchased on or after the 1st of October 2018, please contact our Claims Administrator, Commercial & General Ltd on telephone: +44 (0) 20 3740 4431 or Via Email: claims@comandgen.com.

For more information, please look at the claims section here or refer to your insurance poliy document.


How can I cancel my Home Excess insurance?

You may cancel your Home Excess insurance within 14 days of receiving it (cooling-off period) and you will be entitled to a full refund of the premium as long as you have not made and do not intend to make a claim.

You can also cancel at any time after the 14 day cooling-off period and we will make a proportionate refund of the premium paid, as long as you have not made a claim and do not intend to make a claim.

However, any such refund may be subject to an administration charge.

To cancel cover please contact us by writing or emailing to Bettersafe Products Ltd, email address enquiries@bettersafe.com, with your policy reference number, your confirmation you have not nor intend to make a claim and the reason you wish to cancel.

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 on +44 (0)20 3740 4431.

For more information on how to complain please look here or please refer to your policy insurance document.


TRAVEL INSURANCE

I haven’t received my policy documents, what should I do?

You will receive your policy via the email address you have provided to us. Please note that some internet providers filter the emails as SPAM and can go to your email SPAM or Junk Mail folder. If you haven’t received it, please email us at enquiries@bettersafe.com with your policy number or call us on 0203 740 4431 to have them sent it again.

If you would like to receive a copy by post at no extra charge, please contact us by email on enquiries@bettersafe.com. Your documents will be sent within 5 working days from the purchase date.


How do I know if I am eligible to buy a a travel insurance with Bettersafe?

All you need to make sure you are eligible to buy a Travel Insurance with Bettersafe is the following:

  • You are a resident of the United Kingdom.
  • The insurance cannot be purchased once your trip has commenced and must be purchased whilst in the United Kingdom.
  • Your trip must start and end in the United Kingdom and you must have a return ticket.
  • If you are a United Kingdom resident living in Northern Ireland and your travel itinerary requires you to use Republic of Ireland departure/arrival points, your cover will be as if you were still travelling from Northern Ireland.

Am I cover if I am non-UK resident?

No, we only cover United Kingdom residents.


How many children can I insure on a family policy?

Up to four children under 18 years of age (in full-time education and residing with you).


What is a couple’s policy?

A couple’s policy is a policy for 2 adults in a relationship, living at the same address.


What is a family policy?

A family policy is for the main insured person, his/her spouse, Civil Partner or Common Law Partner, and up to four of their dependent children under 18 years of age (in full-time education and residing with them). For annual multi-trip policies, each insured adult can travel independently. All members of the family must live at the same address.


How many days can I travel on my Single-trip insurance?

You can travel 365 days if you are aged up to 65 years old. If you are 66 or over single trips are limited to 31 days.


How many times can I travel on my Annual Multi-trip insurance?

Any number of trips in the policy per year but limited to 31 days per trip, unless the relevant trip extension has been purchased and is detailed on your certificate of insurance.


Which countries are covered in each type of geographical locations?

Europe - Means the continent of Europe west of the Ural Mountains including the Republic of Ireland, the Isle of Man, Channel Islands and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores, including Spain, The Canaries, Turkey, Cyprus, Malta and Switzerland. For residents of the Isle of Man and Channel Islands travelling to the United Kingdom, the United Kingdom shall be considered as Europe.

Worldwide, excluding USA, Canada, Caribbean and Mexico - Means anywhere in the world except the United States of America, Canada, the Caribbean and Mexico.

Worldwide, including USA, Canada, Caribbean and Mexico - Means anywhere in the world.


What is the difference between Standard, Premier and Premier Club cover?

Standard cover offers the minimum cover, with the highest excess for the cheapest premium.

Premier cover offers a full range of cover at higher levels with a reasonable excess and a reasonable price.

Premier Plus cover provides the widest variety of cover and the highest levels of protection and requires paying the smallest amount of excess.


I forgot to take my travel insurance I left the UK, am I still covered?

Unfortunately, you can not be covered if you have left the UK.


I have lost my passport

You should report the lost of theft of your passport to the local police as soon as possible. You will need the crime reference details they provide for the Lost of Stolen Passport Notification form. You should also report it to the FCO office. The FCO will provide you with a replacement travel documents to ensure you can travel back to the UK. 


Are my personal possessions and baggage cover?

Yes, your personal possessions are cover with us. For more information please go to Your Travel Insurance Policy (link) Page 7, section “personal possessions and baggage”.


I have lost my passport

You should report the lost of theft of your passport to the local police as soon as possible. You will need the crime reference details they provide for the Lost of Stolen Passport Notification form. You should also report it to the FCO office. The FCO will provide you with a replacement travel documents to ensure you can travel back to the UK. 


Are my personal possessions and baggage cover?

Yes, your personal possessions are cover with us. For more information please go to Your Travel Insurance Policy (link) Page 7, section “personal possessions and baggage”.


My bag is stolen, and all my travel documents and money were in my bag

You must report theft or losses to the policy within 24 hours of the event and obtain a written report.

If you don’t have this report the underwriter will not be able to make a payment to you.

You have to take reasonable care to look after your bellowing. If you leave your luggage and personal items unattended in a public place the underwriter cannot be held responsible for any resultant claim.


Is my mobile or any other gadget include on my policy?

We have an optional gadget cover and you can choose between three levels of cover.

Level one: 3 gadgets, level 2: 5 gadgets and level three: 7 gadgets.


How to make a claim?

You can find all information you need in Travel Claims Page.


I want to amend some details on my policy

If you need to change names and/or your address, please contact us on enquiries@bettersafe.com or call us on 0203 740 4431.


How can I cancel my policy?

In case the policy you have purchased doesn’t meet your needs, you can cancel your policy within 14 days from either the date of purchase or receipt of your certificate of insurance, whichever is later, and provided that you have not already travelled.

If you do decide to cancel the policy during the 14 days cooling off period then your premium will be refunded in full, provided no claims have been made or no incidents have occurred that may give rise to a claim. Should you decide to cancel after the 14 days cooling off period no refund will be given.

We may cancel this policy at any time if you have not paid your premium or if there is reasonable evidence that you misled us or attempted to do so. By this we mean, if you are dishonest or use fraudulent means to benefit under this policy or if you give any false declaration or make a deliberate misstatement when applying for this cover or when making or supporting your claim.

We will contact you by email and tell you at your last known email address if we cancel your policy, or by letter if we do not hold an email address for you.


How can I complain?

You can find how to complain here.


COMMERCIAL VEHICLE EXCESS INSURANCE

My Commercial Vehicle insurance policy has an excess, what is it?

Most insurance policies require you, the policyholder, to pay the first part of a claim. This is called the policy excess. It is also sometimes called a deductible.


How does the excess work on my insurance policy?

When you make an insurance claim you will be asked to either make a contributory payment when you collect your vehicle once repaired or your claim payment from the insurer will be reduced by the amount of the applicable policy excess. Either way you will have to pay part of the claim yourself.


What is Commercial Vehicle insurance?

It is possible to insure the amount of excess under your commercial vehicle insurance policy. For a modest additional charge, you can take out additional insurance which will pay your excess for you. Often the cost of this protection is less than the saving in the original cost of insurance.


How long does the insurance policy last?

Commercial Vehicle insurance insurance is an annual renewable policy.


Will I still need to buy car insurance?

Yes, Commercial Vehicle excess insurance is supplementary to your car insurance – it covers the excess under your car insurance policy not the car itself.


How does Commercial Vehicle insurance work?

Once you purchase commercial vehicle excess insurance your original car insurance policy excess is protected. If you make a claim under your commercial vehicle excess insurance policy, we will pay your excess for you to the repairer or garage once you notify us of the claim, if you pay your excess yourself, keep your receipts and we will reimburse you the amount of your excess.


What is covered under Commercial Vehicle insurance?

This depends on the amount of the original policy excess you choose to protect but is usually equal to your existing excess.


Can I protect the excess under an existing Commercial Vehicle insurance policy?

Yes; you can take out Car Excess insurance at any time. We recommend that you do so when you purchase or renew your car insurance policy.


What happens if the repair cost is less than the excess under my Commercial Vehicle insurance policy?

If the value of your claim is a lower than the amount of the excess under your Commercial Vehicle insurance, it will not be covered under either your Commercial Vehicle insurance policy or your Commercial Vehicle Excess insurance.


Does the Commercial Vehicle Excess insurance cover accidents which are my fault?

Yes, both at-fault and non-fault accidents are covered?


Who is the insurer of Commercial Vehicle 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.