If the rental car is damaged or stolen the rental company will charge you a large excess (often £1000 or more) towards the repair. The same applies in the event that the vehicle is written off - the rental company will charge you a large excess on the motor insurance cover on the rental vehicle - this is often referred to as Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). The rental company may offer to reduce the excess to £0 but will charge you an additional premium for this which can be expensive and as much as £15 per day! Our car rental excess insurance allows you to purchase this protection before you arrive at the rental desk allowing you to save money and give you peace of mind.
Our cover includes as standard:
An annual policy might suit someone better if you are likely to be renting a car on several different occasions throughout the year.
If you haven't purchased this cover before we recommend reading our FAQ section
You must take reasonable care to provide complete and accurate answers to the questions we ask you when you take out, make changes to or renew your policy. If you are in doubt, please contact us. Insurance is based on the information that you give to the insurer and if this information is wrong or incomplete, claims may not be paid in full or at all, your policy may be cancelled, have special terms imposed, policy voided, and the premium may not be returned.
You will not receive advice or a recommendation from us. We offer products from a single Insurer. We are an insurance intermediary, and not an insurer. As an insurance intermediary we act as agent of the insurer, and are subject to law of agency. We have made this clear, so you are aware of any possible conflicts of interest. Our duties include handling claims on behalf of insurers.
Choose Your Insurance is a trading name of Virtual Insurance Products Ltd.
Virtual Insurance Products Ltd is authorised and regulated by the Financial Conduct Authority.
Financial Services Register No: 307038. Registered Office:
The Estate Office, Shadrack, Berry Pomeroy, Totnes, Devon, TQ9 6LR.