Car Hire Insurance Uk/john Joseph/guide To Car Hire Insurance In Uk
Car Rental Insurance - Guide to the UK
This is a subject which causes a great deal of confusion with customers who are hiring cars in the UK.
The reason being there are many options available to you and you're not quite sure what you need and what you can afford to refuse.
Even the most seasoned traveller can get confused with it.
I am going to cover the section relating to customers coming in from United States to the UK. North American credit card companies make available extra advantages with their credit card. Car hire insurance cover is one of these benefits . Very often car rental customers from North America when booking a car in the UK will request that the car rental company insurance is not included in the price as they have insurance with their credit card company.
The car hire company would only consider a Gold credit card or a Platinum card, as these cards have sufficient credit to cover the cost of the car.
The customer should be aware of this. If you decide to use a Platinum credit card to cover the insurance and you have an accident. If the damage to the car was extensive and the car had to be replaced, the car hire company would take the total cost of replacing a car from the credit card.
The customer would have to contact his credit card companies insurance and hope they settlle the claim.
If you have an ordinary credit card, not the Gold or Platinum card, you can still offset insurance cost by making use of the credit card cover on your card. I am referring to the deductible when mentioning the insurance cost. Damage excess is referred to in United States as a deductible. If the car is damaged this is sum of money that the car hire company will hold you responsible for. The sum could be in the viscinity of £600 .
In this situation you cannot directly make use of your credit card to cover the excess amount . You would decline the optional insurance that would be offered by the car rental company representative. The representative would authorise your card for the total deductible amount. If the car was returned damaged the car rental representative would deduct the cost of the repair damage from your credit card up to the maximum amount of the excess . You would then claim that amount back on your credit cards insurance.
Some independent car hire companies will offer you low cost insurance deals.
John Joseph has nearly ten years experience, on an almost daily basis, organising car rental in the UK. There is not a question in relation to car hire in the UK that he has not been asked during that period of time.
DCH (Car Hire Prestwick Airport) is family run car rental company. The owner of the company has about 30 years experience in the car rental industry, having built his company from nothing.
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