Gareth's Car Hire Excess Story

Gareth and his wife holiday in Italy at least twice a year and take out a standard annual insurance4carhire policy for peace of mind. A few years ago, Gareth made a successful claim through insurance4carhire. Previously, he has used hire car companies such as Hertz and Avis and has never had a problem using his insurance4carhire policy with them.

Usually, Gareth books hire cars through ‘Car Hire For Less’, a brokerage firm. This means that he never knows which car hire company will be providing the car until he prints the receipts. The ‘Car Hire For Less’ booking process opts users in to excess insurance with Allianz for £35. Gareth was able to opt out of this over the phone.

When Gareth arrived at his holiday destination, Pisa, he was allocated Goldcar - a firm he had not used before. Gareth was told by a Goldcar representative that he must pay £85 for “peace of mind” cover. Although he showed his insurance4carhire policy, he was rebuffed with the incorrect claim that the policy both failed to cover Gareth in the event the car suffered a mechanical breakdown and that the policy was entirely illegal and therefore invalid. As a result, Gareth was forced either to pay for Goldcar's policy or lose his deposit.

To make matters worse, the car they were eventually allocated was damaged and had clearly been in an accident. Its rear passenger door was out of line with the chassis and with a three hour journey on the horizon, it was only after much debate that Gareth was offered another car.

Following his return to England, Gareth complained to Goldcar and asked to be refunded the £75 for unnecessary excess insurance. So far, he has not received a response and is not optimistic that he will.

Why choose a policy from insurance4carhire?

Excess cover is often offered when you pick up your rental car, but at a high cost - between £9 and £20 per day. A policy from insurance4carhire will cost you from £12.79 per trip or from £46.99 per year* and will cover your excess - up to £6,500 per claim. 

About the author

Adam Summersby - blog author, car hire excess insurance business unit directorThis is a marketing article from insurance4carhire by our car hire excess insurance business unit director, Adam Summersby. Adam is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.

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