rental car from Auto Europe
 

I rented a car in September 2015 through Auto Europe Germany
I found out Auto Europe produce an insurance access refund which has many uncovered events. For instance:
Collision with an animal.
Driving on unpaved ways
Act of violence by third party
Beside it .They will give you negative answer only after three month.

My advice is. Do not buy the access refund program from Auto Europe.
There are better programs in the rental car market

To be honest, the only one of those that remotely surprises me is the collision with animals, which I would think would be covered. Why would they cover someone driving on unpaved roads or "acts of violence", whatever that means. Vandalism, I might understand what it means, but not that unless someone deliberately driving into you out of rage.

I can only presume you found this out because you made a claim, which one was it? Were you driving on unpaved roads in a rural area, hit a cow, and then were attacked by bandits?

I am curious as to which uninsured event the OP had to face.

If you ever go to Tahiti, damage to the roof or windshield of the car by falling coconuts is never covered either.

As far as I am aware there is no car rental agency that allows you to drive on unpaved roads - unless you specifically rent an off-road vehicle.

Not sure where you were driving that there were a lot of wild animals running around on the roads. If you hit a domestic animal I can't see how it would be other than your fault.

As for act of violence - are they talking about personal violence against you. Or saying they are not responsible if you are caught in the middle of a revolution?

In any case, you should always look into details of any insurance you buy.

gabr: Not that you'll see this since you registered to post and we probably won't hear from you again - besides that fact the almost not rental agencies insurance would cover you for those sorts of things . . . The insurance was most likely not even with Autoeurope. Autoeurope is a broker and the insurance was probably from whichever agency actually provided the car.

http://www.ffsa.fr/sites/jcms/p2_117...ges?cc=fn_7300

In France an insurnace for all types of damages will cover collisions with animals.

However it says here that Police must be contacted within 5 days and a a report established.

I know a friend of mine had a collision with a wildboar (? sanglier) and his insurance paid.

Unpaved road seems logical for me - you must use you car in a normal way.

Well in the US insurance does cover collisions with wild animals - since we have about a gazillion deer that are always rushing out onto main highways - esp at night. When I worked about 45 minutes from the city I would see at least one dead deer almost every day.

But it seems odd to me that the OP found out about all 3 of those exceptions. Just making a point or a really incredibly bad driver? (I assume what he did was drive on an unpaved road and damage the car - perhaps before being violently attacked by a sanglier or similar.)

>gabr: Not that you'll see this since you registered to post and we probably won't hear from you again< How true!

I would like to bring additional information to give the full picture about the case.
It’s happened in Norway in a reservation named Peer Gynt
A sheep was running toward the front of the car. The sheep remained unhurt but the car was damaged.
The accuse of Auto Europe to avoid paying the access refund was that an accident with a wildlife need a formal report. A sheep to my knowledge is not a wildlife.
Further more. It took them three month to give me a negative answer after mails and long distance call while they all the information was stated in the basic request.
I don’t think this a good example of good service.
Beside it, There are the disadvantage of auto Europe access refund program.
You purchase this insurance to be covered from unexpected events. The exclusion of events like animal, unpaved road (this a tour not drive to the office) are not exactly giving you the right protection.

Are you referring to the excess refund that Autoeurope sometimes offers on their rentals?

When you say "access" do you mean "excess?"

I don't know what the terms of the insurance were with regard to animals, but sheep are definitely not wildlife in most places in Europe. They are someone's livestock. So you hit a pet, a farmer's investment. Did you file a report with the police? If you hit anything at all, that's the first thing you do if you want to have any hope of making a legitimate claim.

I haven't ever hit an animal, except when a wild boar knocked my side mirror in but didn't damage it much, but I have driven on unpaved roads, lots of times, in the Dordogne, with a rental car, and was always insured for it. Never had any claims or problems, but my 200 or so rentals with AutoEurope were always satisfactory, even exemplary.

also took time to post this on other forums they must feel hissed off

If OP hit a priest Vatican is liable.
If he hit my MIL I'll pay.
Gladly.

My mistake. i am referring to the excess refund that Autoeurope offers on their rentals.
it's definitely not a service that i suggest to purchase from Auto Europe

Auto Europe is not a rental car company- they are a broker and not the actual rental car company that rents the car and establishes the terms. What rental car company did you actually book with?

It doesn't matter which rental company because the excess refund would be from AE. If I understand the OP correctly, the excess was not refunded because it was a collision with an animal which is not covered in the T&Cs for excess refund scheme.

pity those poor deer that can't get insurance :-)

How did AE explain that a sheep was a wild animal? They've been domesticated for many millenia.

In your OP you said 'animal' and later you say 'wildlife'. My guess is that any collision w/ <i>any</i> animal would require some sort of documentation - thus they wanted a 'formal report'. Why didn't you provide one?

I once hit a Capercaillie whilst a speed and did considerable damage to my car. I had my claim refused because I incorrectly identified the bird as a Ptarmigan on the insurance claim form. Easy mistake to make but you need to be careful in these circumstances.

I don't think AutoEurope cover damage from Black Grouse of the glorious 12th.

Read the small print.

BC: A Capercaillie sure could cause some major damage.

Slow down man! ;)