What does Clarify Car Hire's Top Up Cover Include?
Whether you opt for a standard package or a reduced excess package you are likely to find our top-up cover beneficial. We have two levels of cover we can offer, one is more comprehensive than the other and we'll start with that one.
If you go for the Standard Package from the car rental firm we will offer you independent excess insurance.* This includes cover for the damage and theft excess of your hire vehicle (on a reimbursement basis), damage to the tyres, wheels, glass, underbody, roof, loss or damage to the keys, lock out charges, misfuelling, battery failure, curtailment, drop off charges, charges for towing and administration fees. This optional top up cover does include a fairly comprehensive list of potential areas that may be damaged, lost or could lead to charges to give you the peace of mind to hire without worrying about a bill should anything go wrong!
There is a daily charge for this cover so the amount shown will be the total price calculated for the number of days you are hiring. You will be able to see the price as well as the features of the policy and the Summary Terms and Conditions, Insurance Product Information Document and Policy Wording as you go through the booking process, this will all be shown in a box to the right side of the page that will look like the below:
However, if you do opt to take out the car hire company's own excess insurance package, we have another option for you to purchase. There is a limited version of the top up cover which would only cover the additional areas of the vehicle such as the damage to the wheels and tyres, loss or damage to keys, damage to the glass, underbody, roof of the car as well as lock out charges, misfuelling, battery failure, curtailment, drop off charges, towing charges and administration fees.
This is offered at a cheaper daily rate to the full top up cover and importantly will not provide any excess cover, it will only insure the areas mentioned above. It is designed to be used with packages that have zero excess and this policy then gives you a little extra protection. If you need excess cover it would be a case of taking the more comprehensive insurance we mentioned above.
The image below shows a hire where an excess waiver has been included in the rental package. Without the top-up cover, there is excess cover provided by the rental company but the hirer is not covered for the additional areas. By adding the top-up insurance, the hirer has excess cover through the rental company but is also covered for the extra areas such as damage to tyres and wheels, and loss of or damage to the keys through the independent insurer.
We hope the above explains a little about what exactly you can expect from the optional top up covers we offer and may help with decision making when it comes to insurance for future bookings! However, if you have any questions do get in touch with our friendly customer service team.
*Please be aware that there are certain circumstances where we are unable to offer our additional insurance
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