Car Hire Excess Insurance
Information about Questor's Car Hire Excess Insurance. Making car hire excess insurance simple and easy to understand.
Introduction
When renting a car, the hirer - that's you, is responsible for damage to the hired car up to a limit known as the Excess. The amount of damage that you are responsible for will depend on the car, from whom you have hired, your age, driving experience etc. The damage you are responsible for will cover but not be limited to accidental damage, malicious damage, theft, damage caused by another vehicle, chipped windscreens, tyres, loss of keys etc.
When you buy Questor's Car Hire Excess Insurance you will save money compared to purchasing the Excess Waiver offered by the Car Hire Company and we are confident that our product offers wider cover for the price paid.
How does Car Hire Excess Insurance work?
Questor's policy reimburses you should you damage the car and have to pay the car hire company an excess. You have a number of options when purchasing a policy from Questor Insurance. Buy a Single Trip Policy Car Hire Excess Insurance Policy to cover a single car hire agreement up to 180 days in length. Alternatively, you can purchase an Annual Car Hire Excess Insurance Policy which will cover unlimited car hire agreements in the policy year. Both policy types have options for European or Worldwide coverage and a number of optional extras are available to tailor your policy. If you intend to hire a car for business these are only covered under our single trip policies.
What's included
| Description | Cover | Excess |
|---|---|---|
| Excess Reimbursement | Up to £10,000 | £0 |
| Tyres, Windscreen, Roof and Underbody | Up to £10,000 | £0 |
| Administration Charges | Up to £500 | £0 |
| Towing | Up to £1,000 | £0 |
| Misfueling | Up to £1,000 | £0 |
| Lost, Stolen or Damaged Keys | Up to £750 | £0 |
| Curtailment | Up to £300 | £0 |
| Drop-Off Charges | Up to £300 | £0 |
| Locked Out | Up to £250 | £0 |
| Cancellation Charges | Up to £500 | £0 |
| Personal Effects | Up to £300 | £0 |
Optional extras
Dependent on the type of policy you purchase you will be offered optional extras to tailor your policy
- Dual Lead Driver - Enables two named drivers to rent a car independently of each other.
- Extended Rental - cover any rental agreement up to 62 days when purchasing an annual policy.
- Battery Failure - reimburses any costs associated with replacing the car battery.
- Collision Damage Waiver - cover the full value of the vehicle up to £75,000.
- Car Club - Covers any excess payable under a Car Club Agreement
- Iceland Extension - Covers weather related charges arising from damage to the rented vehicles exterior that are specifically excluded under the terms of your rental agreement.
Further information is available if you visit Optional Extras page.
How do we handle claims?
Our sister company Orchard Administration has been handling claims for our customers since July 2014. Orchard has invested heavily in technology to enable you to quickly and painlessly lodge a claim and you will receive the very best customer service. Don't take our word for it see below for genuine reviews from real customers who have submitted a claim.
None of our competitors provide such a public review of their claims service.
TrustPilot Reviews - Claim Handling
Who is covered by this policy?
The policyholder must be the person hiring the car and named as the lead driver plus any person: -
- Permanently resident in the United Kingdom (England, Scotland, Wales and Northern Island), Isle of Man, Jersey, Guernsey or Gibraltar
- Aged at least 21 at the time of purchase
- Named on the car hire agreement to be covered by the policy
What is not covered?
This policy does not cover:
- Vans, minibuses, motorhomes and motorcycles or any car with more than 9 seats.
- Any car valued more than £100,000.
- Any hire not in the name of the policyholder.
- Any car hire agreement which commenced before the policy start date or concludes after the policy expiry date.
- Any damage to another person's property or bodily injury also known as third party liability.
Jargon Buster
Policy Wording
Excess
The maximum amount that you are liable for in the event of damage to, or theft of, the rented vehicle, under the terms and conditions of your car rental agreement.
Collision Damge Waiver (CDW)
The basic cover for damage to or the theft of the rented vehicle, usually provided by the rental company. Where you have collision damage waiver with the rental company, you would normally be liable for an excess.
Tyres, Wheels, Windscreen, Underbody and Roof
Car rental companies usually exclude these from the Excess, meaning that you would be liable for the full cost of damage. This benefit will cover you for this damage, up to the limit shown on your certificate of insurance.
What is a Car
A motor vehicle with no more than nine seats which is designed for the carriage of passengers and their belongings.
Who is covered
The policyholder noted on the certificate of insurance must be the lead driver on the rental agreement. Any additional drivers authorised by the rental company are automatically covered and do not need to be named on this policy.
Misfueling
When the wrong fuel is accidentally put into the vehicle.
Administration Charges
Any fees charged by the car hire company when the vehicle is damaged during a hire agreement.
Your Right to Cancel
This policy can be cancelled anytime up to the start date of the policy. If you cancel the policy we will provide you with a full refund.
Online Portal
We utilise an online portal which allows you to self-serve and manage your policy at a time that is convenient to you. You can upgrade, renew and cancel your policy within your portal. To access your portal, select ‘Login’ on the top right of this page.
Regulatory Information
The Insurer
Riverside Underwriting Limited is registered in England and Wales (06201617). Registered address: Bryant House, Bryant Road, Strood, Rochester, Kent, ME2 3EW. Authorised and regulated by the Financial Conduct Authority (FRN 466942). This insurance is provided by Riverside Underwriting Limited t/as Questor Insurance which is registered in the UK, and is underwritten by Fortegra Europe Insurance Company SE (Malta Company Registration Number C84703).