Quotes on Car Insurance, Auto Insurance, Travel Insurance, Home Insurance and Life Insurance

Car Hire UK - Insurance

One of the most common questions that are asked in relation to car hire is about insurance coverage. Many prospective car hire customers, particularly those residing outside the UK, have difficulty understanding the extent of the coverage provided.

Car hire companies are required by law to ensure that vehicles on the road have insurance coverage for third party risk. This would cover the driver and the car rental company for the eventuality that damage is caused to other property or injury is caused to another person not connected with the car. This is normally built into the insurance cover provided by the car rental company and is not purchased separately by the customer.

The car rental company will normally, in addition, provide cover for damage to the rental car in the event of an accident. This is normally referred to as collision damage waiver. If the customer has an accident whilst in possession of the car, the car rental company's insurance will cover the cover the customer. However there is an exception.

Car rental companies generally speaking have an insurance excess with their collision damage waiver. The excess amount can vary depending on the car rental company and the car being hired, but generally speaking the average amount is likely to be about GBP 600.00. This means in effect, if the rental car is damaged, the customer will be expected to pay the cost of the damage repair up to a maximum of the excess amount.

On arrival at the rental location, car rental staff will normally make you aware their excess amount. You may find that you will be offered a damage waiver which reduces your liability in respect of the excess to a lower amount. The cost of this waiver can vary with the company and with the level you wish to reduce the excess to. For example you could reduce to GBP 200.00 or to zero.

If you decide not to purchase the waiver, and you are paying by credit card, the rental company will normally "authorise" for the amount of the excess and the rental cost. This means that the total amount is "frozen" on your credit card. When you return the car undamaged the excess amount is cancelled on your credit card and you are charged for the excess amount.

If the card is returned damaged, a member of staff will assess the cost of the damage repair and charge your card up to the maximum amount of the excess.

If you are paying by debit card you usually do not have a facility to "authorise" the excess amount on the card and the amount has to be deducted at time of collection and added back to the card at the end of the rental, Depending on your card company, there could be a delay in that money going back on to your card.

John McKenna has worked in the car rental industry in the UK for the last 7 years. He has a great deal of expertise during this time through which he is best able to advise his customers. See www.bluecarhire.com.

MORE ARTICLES:

Affordable Health Dental Insurance - Low Cost Insurance For Dental Braces
Dental braces are now considered not only as a way of making a person looks good by reshaping the outward growth of his or her teeth to become vertically inclined inside his or her mouth to preclude an ugly look that might otherwise destroy his or her beautiful face Indeed, a beautiful face can be severely destroyed by a protruding mouth due to the outward growth of teeth inside the mouth

Home And Business Property Insurance Claim Help - Dealing With Your Insurance Company
Any time you have property damage to your residence, you have to go through your Insurance Company to recover money for your losses and to rebuild what was lost. If you are like a large sum of property owners, you walked away with a check from your insrance company with barely enough funds to cover half of the work that has to be done to get your home back in shape.

Whole Life Insurance | Whole Life Insurance Is Superior Then Other Life Insurance Policies
In most cases where people do not take up a life insurance and if you ask them the reason for not taking up the life insurance, you will come to know that people feel that investing money in life insurance is a dead investment and waste of money But that is not the case if you study and do a research, you will find that people generally get more then what they have invested

Take Stock of Life Insurance Coverage During Life Insurance Awareness Month
Leading Supplemental Insurance Provider Stresses Importance of Assessing Life Insurance Needs

Family Dental Plan Insurance - Avoiding Delays in Insurance Claim
Considering the many safeguards that insurance companies are now putting in place to preclude errors in their settling of claims, you would find it hard to be paid your insurance claims if your claims are not put in good order You have to consider the risk the insurance company will be facing if they will just pay without fully verifying your medical claims especially now when fraudulent claims are on the rise

A Life Insurance Comparison: Whole Life Insurance Versus Term Life Insurance
What type of life insurance might fulfill your assurance needs This article is a life insurance comparison about whole life insurance versus term life insurance

Affordable Health Insurance Unemployed - Health Insurance Options for the Unemployed
Being in between jobs and unemployed can bring in many financial problems to your doorstep You might need to depend on someone else to help you with covering your day to day expenses

Florida Health Insurance Web Blasts New AMA's Health Insurance Proposal
"Do Doctor's or Drug companies get paid to keep you healthy? Or do they get paid to keep you sick?" Florida Health Insurance Web wants to know. With that in mind, Morgan Moran took a look at the new AMA health insurance proposal, hoping to find some shred of hope for Florida's residents, but Moran said, "It looks like more of the same from Washington" and "he'd like to look into the AMA's campaign contributions."

What Is The Difference Between One Way Insurance And Full Coverage Insurance
When traveling, especially when going abroad, it is often fundamental to have an insurance policy for your trip. When going to foreign countries that you often know little or nothing about, it is very important to do all you can to insure your trip goes as planned, with as few setbacks as possible. Unfortunately, unplanned events that are completely out of our control often come up, this is one reason why insurance policies are a necessary part of traveling. Whenever preparing for a trip, be sure to consult your travel agent about insurance plans and fees.

The Co-operative Insurance Voted Best Online Motor Insurance Provider by Your Money Awards
Leading motor insurer The Co-operative Insurance has been voted 'Best Online Motor Insurer Provider' in this years Your Money Awards.

Individual Dental Insurance Plan - Supplemental Dental Insurance For Military Men
If you are in the military, your insurance will cover dental care This coverage will be assured during the time when you are still in active service

2007 Third Quarter Auto Insurance Pricing Report from Leading Auto Insurance Agency, Insurance.com
Insurance.com, the largest online auto insurance agency in the United States, reports that car insurance rates are continuing to decrease depending on geographical location.

Combined Insurance: Consider Supplemental Accident Insurance and Disability Insurance During Safety Awareness Month
Safety Awareness Month an Ideal Time to Take Stock of Supplemental Insurance Protection

Kwik-Fit Insurance First UK Car Insurance Company Offer Motor Insurance e-certificates
Online Car Insurer agrees deal with solutions company SSP to deliver fast online certificates for web users.