Rental car at Alicante Airport

Hi, is that including the additional ins covering tyres windows ect?

No dot don't think any do that. We going to take an annual insurance for that seperate from a company recommended on a post by Jan

hi I cancelled the reservation and went for Eddie at Arrow, support the locals.

thansk for all comments

Hi, re annual ins, one time when we were at the hire desk in the airport a chap next to us had this kind of ins but they insisted he still had to take there cover deposit of e600 0r pay e10 per day,so my question is does this work at all times or only local car hire??

confused Dot com

Dot wrote:Hi, re annual ins, one time when we were at the hire desk in the airport a chap next to us had this kind of ins but they insisted he still had to take there cover deposit of e600 0r pay e10 per day,so my question is does this work at all times or only local car hire??

confused Dot com

Hi confused Dot com (I love the play on words !!!)

We have the 'insurance 4 car hire' annual insurance (£39.99 a year) well worth it for peace of mind. As long as the hire car is insured normally and has CDW (Collision Damage Waiver which not all companies include but can be added on at a couple of euro's a day) then the annual insurance will pay for anything extra that happens and is charged, separately for, by the car hire company - including tyres, glass, undercarriage and roof (cover for which is never included in the car-hire company's general cover and should be refused at the desk if one has the annual insurance).
We only found out recently though that any damage to the inside of a hire car is never covered by any insurance, so now when we collect a hire car, while one of us is being shown the controls the other is checking the inside of the car for any damage ...it is a minefield! However, forewarned is forearmed !



Jan.

So Jan , does that mean you still pay say e10 per day for CDs?
Sorry if I sound a bit thick but it was a lawyer who had annual ins and was told either the deposit or e10 a day he was furious but they said pay or no car.
Dot

Dot wrote:So Jan , does that mean you still pay say e10 per day for CDs?
Sorry if I sound a bit thick but it was a lawyer who had annual ins and was told either the deposit or e10 a day he was furious but they said pay or no car.
Dot

CDW has never been more than around 3 euros a day or less Dot, but some hire companies include it anyway.If CDW is not included or paid for, any damage can have an excess of around 600 euros - Even if it is paid for or included, the hire-company can still charge some excess depending on their policy....not a lot of people know that, as Michael Caine once said, as its buried in the small print and we didn't realise for a number of years either.

Dot wrote:Hi, re annual ins, one time when we were at the hire desk in the airport a chap next to us had this kind of ins but they insisted he still had to take there cover deposit of e600 0r pay e10 per day,so my question is does this work at all times or only local car hire??

confused Dot com

Thinking about this again - It seems that the hire company were charging a very hefty charge (10euro) for no good reason, if the guy had the excess insurance already or if it was CDW it was extremely expensive! I hope the guy didn't pay it. I have heard of companies taking a 'damage' deposit and if that is their policy then that money should be returned immediately after the rental. However with exchange rates a loss could easily be made when the money is returned to the renter.
Personally, I would avoid any hire company that charges for a full tank of petrol and any that make any charges above the rental charge (as we have 'insurance 4 car hire' - of course after checking the hire insurance includes CDW). The only way to be sure is to either query these things before booking or get a trustworthy recommendation.

The insurance 4 car hire says this:

When you hire a car, the car hire company will normally include Collision Damage Waiver (CDW) and Theft cover. This policy will come with what’s known as an excess, or the charge you’ll have to pay if your rental vehicle gets damaged or stolen.


For example, let’s say you’ve hired a car and your excess is £1,500. You’re involved in an accident that causes £5,000 worth of damage to your hire car. In this case, you’d have to pay your car hire company £1,500 – even if the accident wasn’t your fault.


A car hire excess insurance policy can cover some of these charges for you. But if you buy your policy from your car hire company, you could be paying much more than you need to – up to £20 a day, if not more.


That’s where insurance4carhire comes in. By buying from us in advance we’ll provide you with daily or annual excess reimbursement insurance policies that cover the excess.


Our annual car hire excess insurance policies will reimburse you for excess charges for an entire year and often works out cheaper than shorter term excess waivers provided by car hire companies.


Plus, our policies will reimburse you for damage to the roof, windows, tyres, undercarriage and headlights, which isn’t covered by standard car hire insurance or excess policies.


Decline any excess insurance that’s offered by your car hire company. Your Insurance4carhire policy will give you all the excess cover you need.


If your hire car gets damaged or stolen, you pay the excess charged by your hire car company. Make sure you keep all receipts for your claim.


Submit your claim for reimbursement to us within 31 days. We’ll then process it straight away.

Thanks Jan , we are going to look into this as my husband would like to know a little more, we thought we would call or go and see Arrow when we are over,what we are finding difficult to understand is that if you pay the daily CDs fee why do you need yearly cover??? Or does it mean that say 10 days at € 8 =80 and if you have an accident or damage your yearly ins covers this?
still a little confused dot com.

Dot wrote:Thanks Jan , we are going to look into this as my husband would like to know a little more, we thought we would call or go and see Arrow when we are over,what we are finding difficult to understand is that if you pay the daily CDs fee why do you need yearly cover??? Or does it mean that say 10 days at € 8 =80 and if you have an accident or damage your yearly ins covers this?
still a little confused dot com.

It is very confusing Dot, but all I know is that there is usually an excess charge with most hire-cars if they are damaged and not all hire companies point this out. They rely on the fact that it is in their small print and who has time to read that? We were naive enough at one time to think that there wasn't anything except roof, windows, tyres, undercarriage and headlights that we would have to pay for if damaged and we always took out the separate extra insurance with the hire company for that (before we had the private excess insurance).

I suppose (?) the cheaper the car-hire the more likely that their insurance is not as comprehensive as others, so I suppose that's why it's best to check that CDW is included.

Here's what I found on the excess insurance website that may help...but it still confuses me really!


What is CDW/LDW?
CDW (Collision Damage Waiver), also known as LDW (Loss Damage Waiver) is car hire insurance which covers damage to the rental vehicle. There is generally an excess payable if you have an accident or damage the car, even if you have CDW.



If you are offered cover for the car’s windows, tyres, roof and undercarriage, decline it. Your insurance4carhire.com policy covers you for these and will reimburse your excess if you get charged. Car hire staff may try and push you into purchasing the add- on by citing the excess that you would be liable for. But remember, your insurance4carhire.com policy will cover you for up to £4,000 in a single claim.


If you have purchased an excess reimbursement policy from insurance4carhire.com you DO NOT have to purchase the excess waiver cover from the rental company at the desk (be aware that their cover still excludes damage to the undercarriage, tyres windows and roof). Your insurance4carhire.com policy works by reimbursing you the excess, including any administration fee charged by the rental company for processing the excess. * Always make sure the credit limit on your card is sufficient, as they will often put a charge on your card for the excess amount before you take the car. An administration fee may be charged if you take the car back damaged.


The excess insurance reduces or removes your car hire excess entirely. You should be aware that if you purchase excess insurance from your car hire company it usually excludes damage to windows, roof, tyres and undercarriage, the parts of the vehicle that are most likely to get damaged should you have an accident.


You can purchase a policy from Insurance4carhire.com. Our wide range of policies are cheaper than over the counter car hire company excess cover. Plus, in addition to the car hire excess, our policies cover damage to the roof, windows, tyres and undercarriage, something most car hire companies don’t cover.

* We have never been charged a deposit with any companies we have used (we have used Open Car in Quesada for the last few years) and I think that, after reading the above, that we have been WRONGLY paying Super CDW for the last few years even though we have the insurance 4 car hire...will have to check next time!

Hope this helps but it may not...


Jan.