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Thursday, 26 July 2012 21:05

A Bit Close To Home

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It might seem one of those tiny clauses not worth worrying about but if you’re hiring a car and it's damaged near your home you might find that your excess insurance cover does not then cover it.

This is what happened recently to a driver asking for advice on the RAC’s forum.

While the hire car was parked and unattended it was damaged by another driver who admitted liability.  The cost of the damage was over £300.

The driver had taken out excess insurance to cover the first £800 of any potential claim but unfortunately its small print stated that damage was only covered “in excess of 150 kilometres from your home address”.

At we think this is ludicrous.

Then we saw another crazy example of this today on the forum. A driver had hired a car from his local hire company, who were aware of his home address, and again the hire car was damaged while unattended and the insurance company then refused to pay the excess because of their ‘small print’ 150km rule. car hire excess insurance policies provide “in-country” cover as standard and we impose no distance from home restrictions.

Yet another reason why you’re better off buying a policy from us.




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