Questor Car Hire excess Insurance

Questor Insurance Services have a large selection of vehicle excess insurance products and travel insurance products. Please click on a product below for more information

Infos:

Questor Insurance's Top 10 Holiday Tips

Questor�s Insurance Jargon Buster

Car Hire Excess Waiver Insurance from Questor Insurance

Cover the excess and much more when you hire a car.

They also offer

No hidden fees or credit card charges and great customer service

Back to full selection of Questor Insurance Products

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Annual Car Hire Insurance

Questor's Annual Car Hire Insurance is available online

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Daily Car Hire Insurance

Questor Insurance has a daily car rental insurance policy that covers a single car rental .

Questor's Europe Daily Car Hire Insurance is available online

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CDW - Collision Damage Waiver

To understand this you must first understand how car rental companies insure their vehicles. The vehicles themselves are insured under a motor fleet policy that has a large excess that the car rental companies pay when a vehicle is damaged or stolen by a person hiring the vehicle. This excess is normally around the �2,000 each and every loss

Car rental companies normally pass this excess on to the hirer in two parts. CDW which reduces the excess to around the �500 mark, the remainder is covered under excess reimbursement. On both these options you the hirer will pay to remove the excess. Now it will come as no shock that the amount of money charged by the car rental companies is far in excess of the amount that they have to pay to settle their motor fleet excesses.

Now you should know a couple of things about the 'cover' offered by the car rental companies. Firstly it is not an insurance it is a waiver in terms and conditions on the car rental agreement and it does not cover every eventuality. For example it does not normally include damage to windscreen, tyres and the under-body of the hired car. Ok so you pay over the top for the car rental company's 'cover' and find that you are still paying for damage to the rental car.

Questor Insurance's car hire insurance on the other hand covers all damage to the vehicle up to �2,000 ($80,000 for a worldwide policy) for a single incident or �3,000 in total for a series of incidents each car rental agreement and includes damage to tyres, windscreen and the under-body of the vehicle.

So, if you want to save money get your car hire insurance from Questor Insurance by clicking HERE, then decline to buy the excess waiver offered to you when you pick-up the vehicle. Finally, you could check the excess that would be payable under the CDW section of the car rental agreement, if less than �2,000 ask the car hire company to give you a price for the car rental without CDW.

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Questor insurance now offer only two territories: Europe and Worldwide.

The other optional extras are Dual Lead Driver (on annual policies only); Extended Rental Cover + Battery failure, mobile phone charges and CDW.

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Five Reasons to buy from Questor - Find out more here...

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Motorhome and Campervan Hire Excess Waiver Insurance from Questor Insurance

Find out more below about Questor Insurance Motor Home Hire and Key facts information

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Car Club Excess Waiver Insurance from Questor Insurance

If you belong to one of the popular car clubs in the UK such as Streetcar or Zipcar then you can save money/get wider cover by buying Questor Car Club Excess Insurance.

This product is only for UK Clubs

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LifeStyle-Lite Excess Insurance from Questor Insurance

December 2017 - No longer available.

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Motor Excess Insurance from Questor Insurance

Excess free motor insurance from now when you buy Motor Excess Insurance from Questor. Simple, easy and no fuss

Travel and Excess protection products are for UK residents only, The car hire / motorhome products are available to some residents outside of the UK.

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Minibus Hire Excess Waiver Insurance from Questor Insurance

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Motor Fleet Excess Insurance

This insurance covers the excess on a Fleet Motor policy. Insure a fleet of up to 30 vehicles against excess insurance charges from Questor Insurance

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Gadget Insurance

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Standard Travel Insurance from Questor Insurance

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Winter Sports Travel Insurance from Questor Insurance

Travel insurance from Questor Insurance for those of you that enjoy the thrill of winter sports.

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Backpackers Travel Insurance from Questor Insurance

Questor Insurance has designed a great product underwritten by one of the UK's leading travel insurance insurers for your trip of a lifetime.

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Golfing Travel Insurance from Questor Insurance

Questor Specialist Golfing Travel Insurance

Daily and Annual Policies

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Five Reasons to buy from Questor

We have a total commitment to customer service from sale through to supporting our clients should they have a claim
No hidden charges - Questor does not charge its clients any fees our remuneration comes from our Underwriters
We offer the best price/cover combinations
Our products are designed by us for delivery through the Internet
We are innovators and market leaders in the products that we offer

Riverside Underwriting Limited Third Floor Riverside House, 40-46 High Street, Maidstone, Kent ME14 1JH, United Kingdom aauthorised and regulated by the Financial Conduct Authority (FRN 466942)

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Questor Travel Insurance - Standard - Winter Sports - Backpackers

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Questor�s Insurance Jargon Buster

At Questor Insurance we know insurance can be tricky, that�s why we have put together a handy guide to understanding insurance jargon!

CDW: Also known as collision damage waiver. This is the insurance which covers the full value of the hire vehicle. This is usually included in your rental package, leaving you liable for an excess fee rather than the full amount of the vehicle.

If you do not have CDW included in your rental package, you will be liable for the full amount of the vehicle rather than an excess fee, in which case you can purchase our additional CDW insurance up to �50,000. If you have this optional extra you will only require third party insurance in place with your rental package.

LDW: Also known as loss damage waiver. This covers you for any physical loss or damage to the hire vehicle for which you are responsible for under the terms of the hire agreement following a fire, lightning strike, explosion, accident, accidental damage, theft or attempted theft, malicious damage, storm and flood. This section includes loss or damage to auto glass, roof, tyres, wheel rims and the under body and towing and loss of use.

You may find that you have a zero excess policy in place with your rental, however you could still be liable for the full costs of any damage to tyres, windscreen and underbody of the vehicle. Our standard policy will cover you up to �5,000 for this type of damage.

Third party Insurance/ Third party Liability/supplementary liability: This is the insurance which covers you for any damage caused to another person or their property. This is mandatory within Europe and you may find that it is generally always included in the rental package as standard. However, when travelling outside of Europe, you may find that you need to purchase this separately or as an extra with your rental. Unfortunately we are unable to offer this type of insurance.

Excess: This is the amount that you will be held liable for when you have CDW insurance in place with your rental package. An excess fee is typically anything between �500-�2,000. This is the amount which you will be charged in the event that the vehicle is damaged. Beware that rental companies can charge you the full excess fee regardless of the cost of damage before the vehicle is repaired.

Deposit: This is the amount which the rental company will hold on your credit card upon your arrival at the rental desk. In the event of damage, they will keep this charge.

Reimbursement: Our policy is reimbursement insurance. This means in the event that you damage the hire vehicle, the rental company will charge you the fees and you would then claim those fees back through our claims handlers.

FYI: With our insurance, you will not require the additional insurance that the rental company offers you at the rental desk (Super CDW, comfort waiver etc.). The rental company will ask you to leave a deposit on your credit card and in the event of damage, they would keep this charge and you would then have 31 days from the incident to notify us and claim back for reimbursement.

Excess reimbursement is a non-mandatory insurance. Therefore, you are not required by law to purchase either our cover or the rental company�s extra daily waiver. You may be aware that rental companies can often be pushy when offering their excess waivers as this is where they earn their commission. Our insurance should not be declined unless it states in their terms and conditions that they do not accept insurance provided by a third party.

Source: Questor Insurance Services Limited July 2015

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