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Re: UK car hire CDW/excess
Originally Posted by Jericho79
(Post 11718835)
Fully comp refers to the level of "damage" to your car. E.g Fire only, fire & theft only, etc. "Fully comp" in the UK refers to "all risks"- e.g collision.
Comprehensive in Canada is different. Fully comp does not mean you get Liability coverage too. As already mentioned, only the registered owner of the car can arrange Liability insurance. When you rent a car in the UK, the rental company covers the Liability exposure, but you can arrange the "damage" bit- collision, theft, etc. I'm just going to bit the bullet and pay it as I need a car when I return. If it costs me $500, then I will pay $200. Off topic I'm still in the process of looking at cars and then going to autoplan to find out roughly how much my insurance is going to be on a particular vehicle. My limit is $2500 for the year so if I can't get anything for that then screw it - ill stick to renting in vancouver as well as car2go/evo etc. One thing I do like about insurance here is that if the car is insured by someone then usually anyone else with a full licence can drive it (with owner's consent) without having to have their own insurance except if someone has over 10 years driving history then it is more tricky (unless I got that wrong and I have driving people's cars when I shouldn't???) |
Re: UK car hire CDW/excess
Originally Posted by beckiwoo
(Post 11718977)
As I'm going to be renting a car in the UK I want the UK definition of fully comp as what I had when I owed a car there. Fire and theft is pointless on what will be an almost brand new car with rental company.
I'm just going to bit the bullet and pay it as I need a car when I return. If it costs me $500, then I will pay $200. Off topic I'm still in the process of looking at cars and then going to autoplan to find out roughly how much my insurance is going to be on a particular vehicle. My limit is $2500 for the year so if I can't get anything for that then screw it - ill stick to renting in vancouver as well as car2go/evo etc. One thing I do like about insurance here is that if the car is insured by someone then usually anyone else with a full licence can drive it (with owner's consent) without having to have their own insurance except if someone has over 10 years driving history then it is more tricky (unless I got that wrong and I have driving people's cars when I shouldn't???) Little things can add up a decent amount of money with ICBC, drive more then 15km's to work, you pay more then someone who drives less, when I worked in Whistler our insurance went up 20 dollars a month because of the commute. One thing I wish ICBC would allow is having 2 drivers on the insurance for married or common law folks, suppose we should be tracking every drive to make sure my wife drives 51% of the time, pretty sure she does, but we have never tracked it. |
Re: UK car hire CDW/excess
Originally Posted by dbd33
(Post 11718877)
Me too. And, since there's no limit on the card, there's no concern about using the limit up. I've had to make a claim against the AMEX policy and found the service to be excellent.
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Re: UK car hire CDW/excess
As Beckiwoo says, in UK it's the person that's insured for the car. Unless you have named drivers, then only other drivers with their own car insurance can drive your vehicle IF their policy says so. Cover is normally limited to Third Party in this case , so if your neighbour drives your car and dings it, he has to pay out of his own pocket.
When I ran the company in UK we often hired cars for odd days for people to make site visits etc and we just had the hire vehicle added to our group insurance. We called the insurance company and they emailed a cover note for the hire company. Cover was then fully comprehensive for a cost of about £20 a week IIRC. Much cheaper than taking the hire company's cover! Here in the Philippines, when renewing your plate each year, the price includes basic third party cover but you can buy top up cover cheaply. my top up cost equivalent of £60 last year for fully comprehensive including earthquake and typhoon damage! Again, it's the car that's covered here and anyone with a valid licence can drive it with your permission. Jerseygirl in post 33 has the right suggestion! |
Re: UK car hire CDW/excess
I used my Amex to pay for a rental and for the insurance- the rate I got via Scotia Rewards/Amex was also the best I could find for the large MPV we needed to transport us/relatives and luggage.
Just a warning though- I had the feeling as I always do- that declining the car hire companies own insurance was frowned upon in the UK? I've started taking quick photos of cars when I drop them off. We got a letter several weeks after our latest trip says we had to pay for a new tyre as we had taken it back with a puncture. I emailed back the photo of the intact tyre and suggested that we would have noticed on a motorway drive to Manchester airport, plus presumably a light would have been lit when the man turned it on to check petrol levels etc. I then got a letter says they wouldn't pursue it. Without the photo, it would have been hard to prove. I wonder if they thought it would be an easy scam with Amex picking up the bill- or at least a worker did! I'll always take photos now- probably at the start also. |
Re: UK car hire CDW/excess
I jus caught up with this thread. We had exactly the same issue when we went back for two weeks in March but we our Canadian HSBC Mastercard was good for the CDW etc. and anything else we needed. We called them and checked.
We looked into all the other possibilities but all the UK companies that offer to cover this kind of insurance require you to be UK resident. Of course, you have to use the Canadian card to reserve and pay for the car in the UK, when otherwise, we might have used our UK credit cards. It all went fine and we didn't even come under a lot of pressure in the UK to purchase the extra insurance as we thought we might. I might be saying something different though, if we'd had an accident! S |
Re: UK car hire CDW/excess
Originally Posted by snoopdawg
(Post 11719412)
I used my Amex to pay for a rental and for the insurance- the rate I got via Scotia Rewards/Amex was also the best I could find for the large MPV we needed to transport us/relatives and luggage.
Just a warning though- I had the feeling as I always do- that declining the car hire companies own insurance was frowned upon in the UK? I've started taking quick photos of cars when I drop them off. We got a letter several weeks after our latest trip says we had to pay for a new tyre as we had taken it back with a puncture. I emailed back the photo of the intact tyre and suggested that we would have noticed on a motorway drive to Manchester airport, plus presumably a light would have been lit when the man turned it on to check petrol levels etc. I then got a letter says they wouldn't pursue it. Without the photo, it would have been hard to prove. I wonder if they thought it would be an easy scam with Amex picking up the bill- or at least a worker did! I'll always take photos now- probably at the start also. |
Re: UK car hire CDW/excess
Originally Posted by snoopdawg
(Post 11719412)
I used my Amex to pay for a rental and for the insurance- the rate I got via Scotia Rewards/Amex was also the best I could find for the large MPV we needed to transport us/relatives and luggage.
Just a warning though- I had the feeling as I always do- that declining the car hire companies own insurance was frowned upon in the UK? I've started taking quick photos of cars when I drop them off. We got a letter several weeks after our latest trip says we had to pay for a new tyre as we had taken it back with a puncture. I emailed back the photo of the intact tyre and suggested that we would have noticed on a motorway drive to Manchester airport, plus presumably a light would have been lit when the man turned it on to check petrol levels etc. I then got a letter says they wouldn't pursue it. Without the photo, it would have been hard to prove. I wonder if they thought it would be an easy scam with Amex picking up the bill- or at least a worker did! I'll always take photos now- probably at the start also. |
Re: UK car hire CDW/excess
Ours was Europcar, good otherwise, brand new VW Sharan.
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Re: UK car hire CDW/excess
Originally Posted by snoopdawg
(Post 11719556)
brand new VW Sharan.
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Re: UK car hire CDW/excess
Originally Posted by Aviator
(Post 11719572)
Which is a Ford Windstar with a VW badge and the VW Routan is a Dodge Grand Caravan.
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Re: UK car hire CDW/excess
BMO do it for $35 if you have one of their credit cards. CDW and all extras included so you can just pay for basic rental insurance. Saved us a fortune recently. Rented with Avis via Air Canada and paid exactly what we were quoted. Worked out at $325 for 2 weeks car rental but if we had taken their extra insurances out that cost would have doubled!!!
https://www.bmo.com/main/personal/cr...avelProtection |
Re: UK car hire CDW/excess
Originally Posted by Snowy560
(Post 11719431)
I jus caught up with this thread. We had exactly the same issue when we went back for two weeks in March but we our Canadian HSBC Mastercard was good for the CDW etc. and anything else we needed. We called them and checked.
(looking at a Ford Focus for 2 weeks for somewhere over $300, which was pretty good I thought) |
Re: UK car hire CDW/excess
HSBC Mastercard: yes, we did all that too. All fine.
We actually called them to check everything to see if it was a viable option. I suppose the "proof of the pudding" as to how good it all works would be if you had an accident .. S |
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