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.
Experienced travellers often get confused with this.
The part I am going to cover relates more to customers arriving in the UK from North America. North American credit card companies offer extra advantages with their card . One of these is car rental insurance. Often customers from North America when booking a car in the UK will ask that the car rental insurance is not included in the price as they already have insurance with their credit card company.
The car rental company would only consider this if the credit card was a Gold card or a Platinum card, as these cards can cover, the whole cost of the car.
As a customer you should be know of this. If you choose to use a Gold card for example to cover the insurance and you are involved in an accident. In the unfortuate event that the car was seriously damaged beyond repair, the car rental company would charge the total cost of replacing the vehicle to the credit card of the renter.
The customer would have to contact his credit card companies insurance and hope they pay out .
If you have an normal credit card, not the Gold or Platinum card, you can still offset insurance cost by making use of the credit card insurance on your credit card . I am referring to the deductible when mentioning the insurance cost. In North America the damage excess could be referred to as the deductible. If the car is returned damaged this is sum of money that the car hire company will hold you responsible for. The sum could be in the region of £600.
In this situation you cannot directly make use of your card to cover the excess . In this situation you would decline the insurance option offered to you at the car rental desk by the car rental company representative. The member of staff would authorise your card for the total excess amount. In the event that the car was brought back damaged the car hire company would deduct the cost of the repair damage from your credit card up to the maximum amount of the deductible. You would then claim that amount back on your credit cards insurance.
Various independent car rental companies will make available to you cheaper insurance packages .
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Tags: car hire excess, car hire insurance, car hire prestwick airport, car hire UK