Travel insurance: rental car excess limited to 15 days!

By Maxinef1 | Mar 20, 2018, 01:10 PM
Hi there, Just read my PDS for my recent TI purchase and find that they only cover Rental Car Excess for rental agreements less than 15 days - which is useless to me as I have a 23 day UK Rental :-( Any recommendations?
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By Grannular | Mar 20, 2018, 01:46 PM
Have one 12 day booking and another 11 day?
Or call the travel company and ask them about your options. You may be able to pay a bit more to have longer coverage
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By ecbailey | Mar 20, 2018, 01:56 PM
There is a company called Rental Cover that has a product that reduces excess to $0. It is usually pretty cheap compared to the rental car excess, and pretty comprehensive from memory.
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By MarkJohnSon | Mar 20, 2018, 10:14 PM
You may be able to cancel the policy under a cooling-off period and replace it with one that better suits your needs.
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By OzDino | Mar 21, 2018, 05:11 PM
I found in some instances in the UK its cheaper to rent for 2 x 14 day periods rather than 28 days. Recent example AUD 484 vs AUD 684. This only works however if you can return it to the same place after 14 days. Alternatively some credit cards have generous car rental insurance policies eg AMEX platinum which covers damage up to $125k !!!
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By Notsinrub | Mar 21, 2018, 05:45 PM
I have an amex platinum reserve card do you know if that covers excess charges on rental cars?
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By Zulu | Mar 25, 2018, 03:45 PM
I had the same insurer. The best of a bad bunch. I cancelled the previous two travel policies I took out for a safari trip to South Africa after reading their policy wordings. But stuck with this one as I was only a named driver on my brother's rental and only in S.A. for 15 days, and got them to acknowledge by way of email. My brother's rental was actually for 16 days but I was only a driver on it for 14 days so technically in breach of the wording, but the insurance ombudsman would have ruled I think in my favour.
Best to avoid these el cheapo insurers which pop up on compare the market.com. The first policy I took out I cancelled as the wording was actually unlawful in its conditions and exclusions, and the second I took out and cancelled had 26 exclusions in the rental car cover it was mind boggling in what cover you actually got. Or more correctly didn't get. Best to have a corporate annual travel policy, or even a personal annual travel policy which I can recommend.
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By OzDino | Mar 27, 2018, 07:04 AM
I have an amex platinum reserve card do you know if that covers excess charges on rental cars?

No
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