Insurance4CarHire: Anyone Ever Use It & Make a Claim?
 

Hello Fodorites,

Have any of you ever used Insurance4CarHire for excess insurance: http://www.insurance4carhire.com/ and actually had to make a claim with them because of dammage to your rental car?

I am interested in knowing how the claim was processed, whether you had any problems getting refunded money, was the money in pounds sterling, or any other info you can share?

BTW, I did a search first but have found no info about actual claims. Thank you.

t

Thanks Ira. I guess no one has used them and made a claim.

ttt

i have bought a one year policy but fortunately have not made a claim yet.

i hope i can´t help you on this one!

it is a valid question.. i think the policy is backed by liberty insurance. i'll take a look at it.

I would think most of us who rent cars in Europe already have such coverage on our credit cards for free. I know we do. NO? Or do I sense from your screen name that you're European and maybe don't have such coverage?

&quot;<i>I would think most of us who rent cars in Europe already have such coverage on our credit cards for free.</i>&quot; Few if any credit cards cover car rental insurance in Ireland.

True. And the same with Italy. Did I miss where we were talking about renting in Ireland?

I saw IrishEyes was posting, but I thought maybe that's where she's from, or just likes the name?

Hello, I had an accident so I'm trying to make a claim, I will send an information about all case after we will finish it.

I just renewed with them but have to admit, fortunately have never had to make a claim.They are connected to AIG or another huge company so I am confident any listed claim will be covered. I hope Mladej's experience confirms that! Will be watching!

There are now several other companies offering excess insurance, so shop around.
http://www.icarhireinsurance.com
http://www.carhireexcess.com/
http://www.protectyourbubble.com/carhire-insurance/

I've had a policy with Insurance4CarHire for the past 2 years but so far never had to make a claim. AFAIK they're a reputable outfit. We hire cars quite a lot on our travels, and for me it's MUCH cheaper than paying the extra costs charged by the hire car company to remove the excess.

Note to US posters: for residents here in Europe it's not customary to get excess (deductable) waiver coverage with your credit card, you either have to pay additional fees when booking/picking up your car - or get an annual multi-trip policy to cover you from a specialist insurance company.

So, our Claim was solved in 5 working days after sending all documents, today we've got information that money transfer was made and now I'm waiting for the money. It was around 2000GBP for one claim.

We have the insurance Excess 31Worldwide

Hello, today we've got the money, so everything fine. Claim was solved very fast :)

I have purchased this insurance in one of my trips. Unfortunately, on that trip I returned the car with a scratch on the driver door. I was charged 227€ by the rental company for the repair. I filed all the necessary documents to insurance4carhire. The correspondence was good and quick and i was quite satisfied until i got their final response:

"In relation to your query regarding the calculations please note this is based on the document received from Auto Europcar which states Total Euro is €227.21 :
damage to vehicle = €88.50
damage report fee = €35.00 - not covered
Loss of profit fee = €60.00 not covered
Total £183.51
20% VAT £36.70 - not covered
Postal fee 7.00 - not covered
Total as per invoice = €227.21
If you could provide me with the requested bank details your claim will be settled for €88.50.".

Of course the policy doesn't disclose that almost everything is not included.
If you are looking for peace of mind when hiring a car i surely don't recommend this company. For a around 25% more you get a CDW that actually covers the excess fee.

UPDATE: After contacting the costumer complaints department, and a short email correspondences, I was reimbursed for full amount and the claim was settled to my satisfaction. It took a while until I actually got the money (and hence the late update here), but that was probably due to a bank mistake, and not the fault of Insurane4carhire.