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However, we do not guarantee that all information is accurate and free of errors and omissions at all times and we do not accept any responsibility or liability for any loss you may suffer as a result of information on this site not being accurate at all times. We take reasonable care to correct errors or omissions on our site as soon as we can after we are made aware of them. As our website contains links through to firms which provide consumer credit we have limited permission to undertake credit broking activities and for these limited activities only AE3 Media Limited is authorised and regulated by the Financial Conduct Authority The principal business of AE3 Media is journalism. “If you hire a car this summer, avoid the pressure from pushy agents and buy your own policy from a third-party beforehand.”ĪE3 Media Limited is authorised and regulated by the Financial Conduct Authority “Car hire companies make their money from extras, like insurance, and Which? has previously found some unscrupulous providers resorting to pressure selling tactics. With the price of hire cars rocketing this summer, it’s worth trying to avoid these rental desks’ rip-off policies.
Guy Hobbs, acting editor of Which? Travel, said: “Our analysis found major rental firms are charging extortionate fees for poor quality cover. ‘Extortionate fees for poor quality cover’ This is called a damage waiver, or super collision damage waiver (SCDW). The more expensive alternative is buying insurance from the company renting you the car. Explain that you don’t want any extra cover and that you understand the need to pay up to the excess limit if you damage the car (safe in the knowledge that you can claim it back). The consumer champion recommends holidaymakers buy your own excess reimbursement policy from a separate/ third-party insurance provider, then just say no at the rental desk. They make their money from the extras they sell, such as insurance, and customers have complained about unscrupulous providers resorting to pressure selling tactics. Which? said car hire is very competitive and the major rental companies compete on the headline price on comparison sites. None of the car rental firms’ expensive policies cover all of these eventualities, Which? found. The top-rated online insurers also cover curtailment – the costs incurred if your trip is cut short – which has become increasingly important during recent travel disruption, personal possessions, misfuelling, and the cost of getting towed. Which? recommends using an independent insurer that does include this as standard. If any of these were damaged, you’d still have to pay.
Cover desk insurance full#
But these waivers are often expensive and full of holes, it said.įor example, Alamo’s standard cover excludes personal belongings, tyres and the vehicle interior. To reduce this excess, often to £0, car hire companies offer an excess waiver, which means you would pay nothing in the event of a claim. But you would have to pay an excess of up to £2,500. It explained that hire cars in Europe come with basic insurance included in the price, so you don’t have to pay the full cost of replacing a stolen or damaged vehicle. Which? found holidaymakers can buy an entire year’s cover from an online insurance company for an average of £47.
Questor Insurance costs just £24 and scored 73%. The lowest price insurance from a car hire company for a week’s rental from Malaga airport was £110 per week with Enterprise.Ĭhew Insurance topped the charts with a Which? policy score of 76% and a week’s cover costing just £23. Goldcar, Alamo and Enterprise all scored just 51%, with a week’s cover from Goldcar coming in at £177. Europcar’s ‘Premium Protection’ policy was better, with a policy score of 68%, but it costs £205 per week. The campaign group found the least comprehensive policies were from Budget and Avis – both £168 a week and with a Which? policy score of 46%. It rated the excess reimbursement policies of 20 third-party providers – based on tyres, windscreen and underbody cover, flat battery cover, admin charges, car jacking, towing cover, personal accident cover and more – against the most comprehensive excess waivers sold by major car hire companies in Spain. Some of the biggest car hire firms are charging holidaymakers hundreds of pounds for ‘second-rate’ insurance for policies bought last-minute at the rental desk, a consumer champion revealed.Īs such, Which? urges people to plan ahead and avoid buying policies from the ‘rip-off’ rental desks as its research found the best – and cheapest – insurance deals could be snapped up online with third-party sellers.
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