When it comes to hiring rental cars and scooters for your overseas holiday, we are often asked what exactly is covered under the TravelCare policy.
If you choose to hire a car or scooter overseas, you’ll be required to sign an agreement with the vehicle provider. That agreement usually includes insurance to cover you should something happen and there will be an excess on that insurance. Our TravelCare policy provides cover for the Rental Vehicle Excess (Section 7 of the policy wording).
Check out two of our travel insurance experts in the video below as they discuss some common questions we get about rental cars and scooters.
What you should know
It is important to remember to stick to any local driving laws or rules. You will need to hire from a licensed rental car agency, borrowing from a friend or relative would not be covered. And of course breaching the terms of the rental vehicle agreement would not be covered under TravelCare.
We consider a rental vehicle to be a standard model motor vehicle or motor home designed to carry no more than 8 people including the driver, or a moped or motorcycle with a maximum engine capacity of 200cc, rented by You from a licensed motor vehicle rental agency.
If you need to make a rental car claim
In order to submit your claim online, you will need to provide us with some documentation:
- Confirmation of who the registered drivers were on the Rental Vehicle.
- Documentation which confirms the damage liability excess on the 'Rental Vehicle'.
- Documentation which confirms how much you were charged for the damage.
The first 2 bullet points above can usually be confirmed by providing a copy of your 'Rental Vehicle' agreement.
With some 'Rental Vehicle' agencies it is standard practice to charge the full damage liability excess, regardless of the level of damage that has occurred to the vehicle. If the cost of repairs is less than the amount you have paid, they will refund the difference to you. Be warned – rental car agencies can take weeks to provide this.
If you have been charged the full damage liability excess, we will also require the following:
- a copy of the final repair report, showing the final cost of repairs; or
confirmation of any refunds received (such as a copy of your bank statement showing the refund)