Car Hire Insurance - Terms and Conditions

This insurance is designed to cover your financial liability when you hire a vehicle from a car rental company. This liability is the excess on the car rental agreement.  When you purchase this cover from us you will NOT need to purchase any other excess waiver or excess insurance when you collect your hired vehicle.  Please read this section carefully as it contains important information about the policy you are about to purchase. For full details please download a copy of the policy document.

What is covered?

• Excess reimbursement - Covers any loss or damage to the rented vehicle which you are responsible as the hirer including losses to windscreen, tyres and the under-body of the vehicle up to the excess as shown in the car rental agreement but not more than £2,000 any one incident £3,000 in total.
• Mis-fuelling up to £500 to cover the flushing of the engine, additional travel expenses incurred and recovery of the vehicle.
• Personal Accident - Up to £10,000
• Your Personal Possessions whilst in the hired vehicle up to £300
• Keys to the hired vehicle up to £500 each car rental agreement but not more than £2,000 in any one year
• Road rage and car jacking - Up to £1,000
• Rentals Up to 180 days continuous days
• Cars and MPV's up to 9 seats
• Vans up to 3.5 tonnes and small mini-buses up to 15 seats if an additional premium has been paid and noted on the certificate of insurance.
• Vehicles hired from a recognised rental company up to $80,000 in value

Who is covered?

• Any other person named on the car rental agreement
• Aged between 21 and 84
• Holding an internationally recognised driving licence
• Not driving against the advice of a medical practioner
• Not subject to a current driving ban

Where are you covered

• Car Rentals Worldwide including home country rentals
• Europe is defined as All countries West of Ural Mountains, British Isles, Ireland, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, Iceland and the Azores
• Worldwide includes countries defined as Europe plus all other countries

What is not Covered

• Motor homes, trailers or caravans, trucks, commercial vehicles more than 3.5Tonnes, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles and vehicles with more than 15 seats
• Vehicles valued greater than $80,000
• Persons not named in the car rental agreement
• Losses arising from mechanical breakdown or from driving off-road
• The rental of "Expensive or Exotic" vehicles not considered to be a conventional and usual rental vehicle, and “Antique” vehicles, which are over 20 years old or which have not been manufactured for 10 years or more.

How this policy works

This is a reimbursement insurance, you are required to settle with the car rental company any losses that occur during the rental period up to the excess shown in the car rental agreement. On your return home you can submit a claim to be reimbursed by the Insurer. In practice your car rental provider will take a deposit equivalent to the car rental excess from your credit/debit card and use this to settle the damage. Before you travel you must ensure you have sufficient credit available.

Who is the Underwriter?

This policy is underwritten by White Horse Insurance Ireland Limited a specialist travel insurer owned by the Thomas Cook Group.  White Horse are based in Ireland where they are regulated by the Central Bank of Ireland.

White Horse Insurance Ireland Limited Bay 89.2 Free Zone West Shannon County Clare Republic of Ireland.

Claims

Are handled by AXA Assistance Limited on behalf of White Horse Insurance.  AXA's contact details can be found in the policy wording.

Cancellations and policy changes

You have the right to cancel the policy and obtain a full refund within 14 days of purchase of the policy subject to you having not travelled on the policy.  To cancel the policy or to amend the policy please email carhiresaving@questor-insurance.co.uk.

Who issues the Certificate of Insurance?

The certificate of insurance is issued by Questor Insurance Services Limited an independent insurance intermediary regulated by the Financial Services Authority (frm reference 466942). The payment of the premium will appear as Questor Insurance on your card statement.

Questor Insurance Services Limited 6-8 Revenge Road Lordswood Chatham Kent ME5 8UD United Kingdom

Require further information?

Email your query to carhiresaving@questor-insurance.co.uk.