Excess Waiver Insurance Terms and Conditions
This insurance is intended for any person hiring a vehicle where the car rental company supplying the vehicle includes excess waiver as part of the car rental agreement. These terms and conditions should be read in conjunction with the policy wording.
Who is eligible to purchase this insurance?
Any person:
Older than 21 years
Holding a valid and internationally recognised driving licence or permit for the rental vehicle. This must be valid in the country in which you are travelling
Eligible to rent and drive the vehicle and able to adhere to the terms of the car hire agreement
Named on the car rental agreement
What is covered?
Loss Damage Waiver
Any physical loss or damage to the Hire Vehicle for which You are responsible for under the terms of the Hire Agreement up to £6,000.00 for each loss and in total. This will include but not limited to Auto Glass, Roof, Tyres, Wheel Rims and the Under Body of the rented vehicle.
Key Cover
Cover up to £500.00 for costs incurred for replacing lost or stolen Hire Vehicle Keys, including replacement locks and locksmith charges.
Mis-fueling
Cover up to a £500.00 in the event that the wrong fuel is put into the hired vehicle. This covers the cost to flush the engine, towing charges and any additional travel expenses.
Administration Fees
Cover up to £500.00 towards any administration charges which are applied by your rental company and cannot be recovered following a claim which is covered by this insurance. This includes charges for loss of use.
Towing Charges
Cover up to £500.00 towards any towards any Towing charges which are applied by your rental company and cannot be recovered following a claim which is covered by this insurance.
Locked Out Cover
In the event that you unintentionally lock yourself out of the hired vehicle we will reimburse the costs incurred up to £100.00 to open the hired vehicle.
Curtailment
We will provide a benefit of up to £300.00 in total if the hire agreement is cut short on the advice of a Medical Practitioner and there is no other person authorised by the Hire Company to drive the Hired Vehicle.
Drop Off Charges
In the event of there being no person authorised to return the Hired Vehicle to the agreed drop off point following an accident/illness for which hospitalisation takes place, we will indemnify you up to £300.00 for charges made by the Hire Company to recover the Hired Vehicle.
Cancellation Charges
Cancellation Charges up to £500 are covered for a variety of reasons including the following situations affect you or a travelling companion. Death, bodily injury or serious illness, Jury service attendance or being called as a witness at a Court of Law, Redundancy of which you were not aware was likely at the time of booking the trip. Unexpected cancellation of leave for members of Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department. The police requesting you to remain at or return to your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons, or theft.
Personal Effects
Personal Effects Cover up to £300 following theft or attempted theft from the locked boot, covered luggage area or glove box of the Rented Vehicle.
What is not covered?
- For any claims or costs where You or the Rented Vehicle fails to meet the eligibility requirements for this insurance policy.
- Any claims which result from a direct breach of the terms and conditions of Your Rental Agreement.
- Vehicles that are not subject to a formal Rental Agreement, such as borrowed vehicles.
- Consequential Loss.
- Any type of documentation, including vehicle documentation that is usually located in the glovebox.
- Any claims for over €500 where You have paid the Excess or cost of damage in cash.
- For any costs that can be recovered from the Rental Company or any other person or company.
- For damage to another vehicle, death or bodily injury to a person or animal, or property.
- For any amount greater than the amount You are liable for as stated on Your Rental Agreement.
- Costs relating to currency exchange rate charges, or payment transaction fees.
- Any pre-existing damage.
- Any damage caused where the dates on the Rental Agreement do not fall within the dates on the Confirmation of Cover.
- Resulting from Your misuse of alcohol or drugs (including the misuse of prescription drugs).
- Resulting from fraudulent, dishonest, illegal activities or a criminal act committed by You.
- If the Rented Vehicle was being driven by a person that is not named on the Rental Agreement.
- Use of the Rented Vehicle off the public highway, or for the purpose of a Safari or other adventure tour Off-Road.
- For any loss or damage resulting from a deliberate and intentional act by You.
- For Additional Travel Expenses unless otherwise stated in the policy wording.
- Arising whilst driving in violation of the road laws of the country of hire.
- Motorhomes, Vans, Campervans, trailers or caravans, commercial vehicles, trucks, motorcycles, mopeds, motorbikes, vehicles intended for Off-Road use or vehicles with more than 9 seats.
- For call out charges or roadside assistance not related to a valid claim.
- For courtesy vehicles from a repair garage or dealership.
- For cleaning fees.
- Arising directly or indirectly from: War or acts of terrorism, an insured person engaging in active War, or nuclear risks.
Who arranges the Insurance?
Clarify Car Hire has partnered with Riverside Underwriting Limited (for UK, Channel Island, Isle of Man and Gibraltar business) and Riverside Insurance Agency Malta Limited (for EU business) to bring you this insurance, underwritten by Fortegra Europe Insurance Company Limited.
Riverside Underwriting Limited (Email: assistance@riverside-underwriting.co.uk) and Riverside Insurance Agency Malta Limited (Email: assistance@riversidemalta.com.mt) are insurance intermediaries acting on behalf of the insurer.
Neither company will provide advice but will answer any questions on the products sold. Both companies earn commission payable by the Insurer. Please email us if you would like to receive the IPID by post.
How are claims handled?
In the event that you have to claim on this policy your claim will be handled in directly by Orchard Administration. The claim procedure is set-out in the policy wording.
Can I cancel the policy?
You can cancel your policy before the policy start date. Should you cancel the car rental to which the policy is associated, the policy will automatically be cancelled. In both situations you shall receive a full refund. You can cancel your policy at any other time but there will be no refund.
How is this product regulated?
For UK and Gibraltar customers, this product is placed by our insurance partner Riverside Underwriting Limited (Third Floor Riverside House 40-46 High Street, Maidstone, Kent, ME14 1JH, United Kingdom) who are authorised and regulated by the Financial Conduct Authority (firm reference 466942). Clarify Car Hire are an appointed representative of Riverside Underwriting.
For EU customers, this product is placed by our insurance partner Riverside Insurance Agency Malta Limited (Block C Apartment R, Dolphin Court, Embassy Way, Ta'Xbiex XBX 1073 Malta), Authorised and Regulated by the Malta Financial Services Authority under the Insurance Business Act, Cap 403 of the Laws of Malta.
Where can I get further information?
To contact Riverside Underwriting Limited please visit www.riverside-underwriting.co.uk, and to contact Riverside Insurance Agency Malta Limited please visit www.riversidemalta.com.mt.
What do I do if I have a complaint?
The complaints procedure is set out in the policy document. We are committed to dealing with all complaints quickly and fairly.