Questor's
Annual Car Hire Insurance is available online from just £39.99 per year including
tax.
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Daily
Car Hire Insurance
Questor
Insurance has a daily car rental insurance policy that covers a single car rental
agreement up to 180 days in length.
With
Questor's Daily Car Hire Insurance has European and Worldwide options, clients
can also cover UK rentals as well.
The
cover provided by Questor's insurance includes the excess on the car rental agreement
up to £2,000 ($80,000 for worldwide cover) per incident or £3,000 for a series
of incidents cover includes all damage to the vehicle for which the hirer is responsible
including the windscreen, tyres and under-body.
In
addition, Questor's daily car rental policy includes a number of additional features:
-
- Personal
Accident
- Baggage
Cover
- Car
Keys
- Curtailment
- Drop-off
Charges
- Locked
Out
Questor's
Europe Daily Car Hire Insurance is available online from just £2.50 per day including
tax - Annual £39.99
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CDW
- Collision Damage Waiver
To
understand this you must first understand how car rental companies insure their
vehicles. The vehicles themselves are insured under a motor fleet policy that
has a large excess that the car rental companies pay when a vehicle is damaged
or stolen by a person hiring the vehicle. This excess is normally around the £2,000
each and every loss
Car
rental companies normally pass this excess on to the hirer in two parts. CDW which
reduces the excess to around the £500 mark, the remainder is covered under excess
reimbursement. On both these options you the hirer will pay to remove the excess.
Now it will come as no shock that the amount of money charged by the car rental
companies is far in excess of the amount that they have to pay to settle their
motor fleet excesses.
Now
you should know a couple of things about the 'cover' offered by the car rental
companies. Firstly it is not an insurance it is a waiver in terms and conditions
on the car rental agreement and it does not cover every eventuality. For example
it does not normally include damage to windscreen, tyres and the under-body of
the hired car. Ok so you pay over the top for the car rental company's 'cover'
and find that you are still paying for damage to the rental car.
Questor
Insurance's car hire insurance on the other hand covers all damage to the vehicle
up to £2,000 ($80,000 for a worldwide policy) for a single incident or £3,000
in total for a series of incidents each car rental agreement and includes damage
to tyres, windscreen and the under-body of the vehicle. The great news is that
the daily car rental policy starts at just £2.50 per day
and the annual car rental insurance is great value starting at just £39.99
per year.
So,
if you want to save money get your car hire insurance from Questor Insurance by
clicking
HERE, then decline to buy the excess waiver offered to you when you pick-up
the vehicle. Finally, you could check the excess that would be payable under the
CDW section of the car rental agreement, if less than £2,000 ask the car hire
company to give you a price for the car rental without CDW.
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Supplementary
Liability Insurance
When
travelling outside of Europe not all countries have mandatory third party liability
insurance leaving hirers exposed should they be involved in an acident involving
a third party where the hirer is responsible for bodily injury or property damage.
Some
countries such as the USA, where each individual state has its own legislation,
has mandatory third party insurance but it is set at very low limit as little
as $15,000.
In
both these examples, Hirers are exposed to damages imposed by local courts if
the are held liable for damage to third party property or in a worst case screnario
where a person suffers a serious injury. In such cases damages can be very high.
In
these countries car rental companies may make arrangements to provide local third
party liability insurance, which may be called super CDW or top-up insurance,
more likely they will charge the hirer to cover the risk described above.
Questor
has designed its product so that when it's clients hire vehicles outside of Europe,
there is the option to include Supplementary Liability Insurance (SLI) when
purchasing
car hire insurance. This
extension provides up to $1M of cover in excess of the amount provided on a mandatory
basis. If no cover is provided Questor's SLI will cover all losses up to the $1M
limit. By purchasing the cover from Questor, hirers can be confident of getting
the right cover at the best possible price.
Worldwide
- means any country SLI. Supplementary Liability Insurance (SLI) is top up third
party insurance applicable to those territories where there is no or very low
limits of third party liability insurance for example USA. SLI tops up any mandatory
insurance to $1,000,000 and is for use on rentals outside of Europe.
If
you are in any doubt about this aspect of the cover provided by your car rental
company, you should ask them directly whether the car rental package includes
third party liability and at what level. If no cover is provided or the limit
is less than $500,000 you should consider purchasing
Questor's
'Worldwide Including SLI' products
Worldwide
plus SLI - Daily Annual Worldwide plus SLI option £99.99
Questor's
Worldwide product which costs just Daily £4.50 / £49.99 per annum:
Providing: -
- Unlimited
car rental agreements in the year up to 30 days per rental
- $80,000
of coverage to the car you hire
- $1,000,000
of SLI in excess of any mandatory cover provided by the car rental company
- Personal
Accident
- Key
Cover
- Baggage
- Curtailment
- Drop-off
charges
- Locked
Out Cover
Please
note Standard Annual will cover unlimited rentals throughout the year subject
to each rental being less than 31 days at a time. We do have an 'extended rental
cover' to increase cover for rentals up to 60 days for an additional premium.
Questor's
'Worldwide Excluding SLI' product which costs just
Daily £4.50 / £49.99 per annum:
Questor
insurance now offer only two territories: Europe and Worldwide.
SLI
is an optional extra (rather than worldwide excluding or including SLI).
The
other optional extras are Dual Lead Driver (on annual policies only); Near Home
Rental; Extended Rental Cover.
Questor
car hire excess
insurance and motorhome hire excess insurance products can be purchased by residents
in Ireland and many other countries.
