Clarify Car Hire Booking Terms and Conditions

Definitions

‘You’ or ‘Your’ – the person in whose name the car hire reservation has been made ‘Vehicle hire company / ies’ – the company who You are collecting Your car from ‘Insurance Partner’ – the company who providesourexcess insurance policies
‘Party’ – Your travelling companions and/or authorised additional drivers ‘We’, ‘Us’ or ‘Our’ – Clarify Car Hire (MoneyMaximiser Limited t/as)

Booking Terms and Conditions

Our terms and conditions relate only to the reservation and booking of vehicle hire. You will be required to enter into a rental contract with the Vehicle hire company You are using when You collect vehicle. Should You wish to see a sample contract from the Vehicle hire company please contact Our team.

What's included?

• Collision Damage Waiver Protection
• Theft Protection
• Third Party liability cover
• Vehicle for the period requested
• Clarify Car Hire support

What's not included?

• The excess (if any) this is the first part of any claim that You will remain liable for should Your car sustain damage or be stolen.
• Any extras (unless otherwise stated)
• Any supplemental fees for services beyond a standard rental (unless otherwise stated)
• Any additional refunds / fees made by Your Vehicle Hire Company** as a result of price changes to their supplemental products or fees between the time you reserved your car rental and the time of pickup.

Excess waiver products are available to protect this potential cost

• Damage to the vehicle caused by the negligence of You or Your party.
• The cost of the vehicle if it is stolen through the negligence of You or Your party
• Fuel (unless stated otherwise). We will clearly state the fuel policy for each car during the booking process.
• Road Tolls, parking and traffic fines.
• Additional fees such as (but not exclusively) out-of-hours charges, one-way charges, delivery charges and those for extras such as child seats, GPS navigation systems.
• Damage to the tyres and wheels, roof, underbody, interior, glass (including windscreens, mirrors and lights), locks, aerials, vehicle documents, registration plates or any extras supplied with the car such as child seats and navigation units.
• Loss of car keys, vehicle documents, or any extras supplied with the car such as child seats and navigation units.

Insurance options

We offer two versions of additional insurance. This is through a separate contract which You will enter into directly with Our Insurance Partner*. **You should ensure that You are happy you meet the criteria to qualify for cover under this contract.

Excess Insurance, including wheels, tyres, glass, under body, roof, interior, keys, locks and misfuelling.

If You face a loss in respect of these areas You will pay the Vehicle hire company and then claim the amount back from Our Insurance Partner.

Insurance covering wheels, tyres, glass, under body, roof, interior, keys, locks and misfuelling.

This insurance is normally taken when You are not liable for an excess under the vehicle rental agreement, or you have taken excess protection directly from the vehicle hire company, but want to be protected for these additional areas. If You face a loss You will pay the Vehicle hire company and then claim the amount back from Our Insurance Partner.

Drivers Age

We will publish the maximum and minimum age which can vary between vehicle hire companies. Our service will calculate any additional fees that might apply should You be a younger or older driver, and advise whether any additional products need to be taken from the Vehicle hire company as a result of the age of the driver.

Credit Cards

Most vehicle hire companies require a valid credit card in the name of the lead driver when collecting the vehicle. Some require two such cards for luxury or premium vehicles. These CANNOT be a pre-paid card, or a debit card, or in a few cases a card such as an AMEX or Diners Club. We detail acceptable cards during the booking process. The card must have adequate funds available to pre authorise any deposit. Using a credit card always offers the most choice and normally lower prices than using alternative payment methods. Therefore We recommend to use a valid credit card wherever possible as this generally is the best option and provides the maximum consumer protection.

Debit Cards

Some of Our Vehicle Hire Companies will accept debit cards in the name of the lead driver either for the rental payment (but not the deposit preauthorisation) or for both rental payment and deposit preauthorisation. The reason debit cards are not really welcomed is that banks do not allow preauthorisation of funds in the same way as they do for credit cards, leaving hire firms having to take real money from Your card rather than from Your credit limit.

Where debit cards can be used this normally means vehicle hire companies require You to take the vehicle hire companies excess insurance, as this reduces the risk of You having to pay them at the end of the hire. We will explain the extra requirements needed if You wish to use a debit card during the booking process.

Insurance

All cars hired through Us will include third Party and public liability Insurance for the driver(s). Cars will also offer collision damage waiver (CDW) and theft protection (TP) package, although there may be an excess (the first part of any claim) that You would remain liable for. This liability can be reduced either through additional products available from the Vehicle Hire Companies, or through an independent insurance policy. We will provide details of Your options during the booking process or after You have placed Your reservation.

Neither CDW or TP normally cover damage to the roof, underbody, tyres and wheels, glass (including the windscreen, lights, mirrors) or loss / damage to the car key, locks, aerials, windscreen wipers, vehicle documents, registration plates and any additional equipment provided with the vehicle. We will explain options open to You to protect these areas either during the booking process or after You have placed Your reservation.

If You are travelling abroad You should always make sure that You have a travel insurance policy to cover personal injury and theft of items from Your vehicle. Do read Your travel insurance documents carefully to understand any special requirements or restrictions that may apply.

Be aware that all insurance policies become invalid in certain circumstances. For instance should damage be due to driver's negligence, operating the car outside the normal terms of the Vehicle Hire Companies rental agreement (which normally includes off road driving or whilst not on public highways) or outside the law. Additionally insurance is only valid whilst being driven by authorised drivers who are on the rental agreement. If You are planning to take Your car on a ferry do check whether insurance restrictions apply.

Rental Prices

Car hire prices are calculated on the basis of 24 hour periods. That period will normally start from the time You have booked the car or Your time of pick up if that is earlier (and the vehicle is available to be collected then).

Late Returns and extending the hire period

If You are late in returning Your vehicle You may be charged an additional day's hire at the full local rental rate once any grace period (if any) allowed by the Vehicle Hire Company has expired.

If You are unexpectedly going to be late in returning Your car, do let Your Vehicle hire company know. They are more likely to be sympathetic than if You just arrive late, as this could cause them issues in supplying a vehicle to a subsequent hirer. It also removes the risk of Your insurance becoming invalid or the hire car being reported stolen by the vehicle hire company.

If You know You will need to extend the rental duration it must always be arranged through Us. If this is after You have picked up the car this will be subject to Us* *gaining the approval of the vehicle hire company. If **We cannot arrange this because the vehicle is already committed to another hirer or for any other reason, it must be returned as originally agreed. If You do not do this Your insurance will become invalid.

Compulsory Local Fees

We look to advise all users of any compulsory road fees, but again they are subject to introduction or change without notice. We will do Our best to keep You informed of any changes

Local Information

We supply all location information on a ‘to the best of Our knowledge’ basis, however, these details are subject to change without notice. Where possible, customers will be informed about any changes. In particular, processes for collecting local road tolls or congestion charges differ vastly from location to location, especially as e-charging becomes more commonplace. They are not included in the rental price. Please ask at the rental desk for local information and advice.

Fines / Parking Fines / Toll Infringements etc

You will be held liable for any fines or similar that are incurred whilst You are in charge of the car together with any administration charges that are incurred.

Out of Hours Charges

If You arrive at an airport out of normal hours, there may be an additional local charges. This is the case even if Your late arrival is due to Your plane being delayed. We will detail both these charges and opening hours during the booking process.

Cross Border fees and restrictions

If You are wishing to take Your car out of the country You are hiring in please read the terms and conditions in this respect carefully and if necessary check with the Clarify Car Hire team. Cross border travel is not possible in all cases, and, where it is, additional insurance and / or breakdown insurance may need to be arranged. In some cases full breakdown service may not be available outside the country of hire, and therefore any breakdown / recovery charges would become the responsibility of the hirer.

The Vehicle

Before leaving the car rental station please do check the vehicle fully. Make sure the car is in full working order (lights, windscreen wipers etc) and that equipment (including the spare wheel) is provided. If You are unhappy in any way please raise Your concern now as at this stage it is normally easy to fix, rather than when You are on Your trip and getting back to the station becomes difficult.

If You face any mechanical problems with Your vehicle please let Your Vehicle hire company know immediately.

Cars supplied on an ‘or similar’ basis mean that a similar sized car with similar features can be substituted for the model stated. The car hire industry categorises cars into classes based on an industry wide system. In normal circumstances car makes are not part of this categorisation unless a premium or luxury car is booked in which case a premium brand car would be supplied. If You require more information about the alternative car brands You might be supplied with please contact the Clarify team. If a car group is unavailable a larger or better car will, wherever possible, be supplied. If You would prefer a smaller car in substitution (say because You are worried about higher fuel costs) please let the Vehicle Hire Company know as they will also be happy to do this if requested and able. No additional charges / refunds would apply in this circumstance.

The Vehicle Hire Company can refuse to provide a vehicle if a potential customer is, in their opinion, ineligible to rent the vehicle or unfit to drive. In these cases no refund will be made.

At the end of the rental the Vehicle Hire Company may add an additional charge if the vehicle requires extra cleaning.

Vehicle Damage

If Your car is involved in an accident or is damaged please ensure the instructions provided by the local Vehicle hire company are adhered to. Normally this will mean the driver completing a damage report. This applies even in the case of minor damage. If another vehicle or third party property is damaged or another person is hurt a police report and case number must also be obtained and provided to the rental firm. This may also be required in the case of single vehicle accidents - please follow the instructions provided by the Vehicle Hire Company. You must also contact the Vehicle hire company immediately in the event of any damage. You could invalidate Your insurance if You do not follow this process, meaning You are liable for any damage.

Cancellations and Amendments

If You need to cancel or amend Your reservation please advise Us and not the Vehicle hire company – they are not authorised to cancel Your reservation as that instruction must originate from Us. Cancellation charges apply as follows:

Within 48 hours of placing the booking there is no charge (unless within 48 hours before the rental takes place). When cancelling after 48 hours of making the booking and up to 48 hours before the rental takes place a £15 charge, (or the amount of the deposit if lower) is applied. If You cancel within 48 hours of the pickup time the full deposit is forgone.

In any event please do let Us know if You do need to cancel. That way Your car can be released to another hirer, which increases availability, at worst helps out another hirer who would otherwise not be able to find a car and at best reduces prices in the market.

We can only process cancellations and amendments during normal office opening hours and if a request is received outside these times it will be timed from the next time Our office is open.

If You fail to turn up at the desk having made a reservation You will be deemed to be a ‘no show’ and no refund will be made. If You return the car early or are late collecting the vehicle, We are unable to refund any unused hire days.

Your Booking Voucher

We do not normally issue receipts (VAT or otherwise), so please accept Your Booking Voucher as Your receipt of purchase.

Please print this and present it at the rental desk. You may wish to print two copies so You have one for reference after You have collected Your car.

Our Liability

Clarify Car Hire is a car hire broker for a wide range of vehicle hire companies across the countries that We offer vehicles in. It is important to understand that Your contract for car or van hire is between You as the hirer and the local vehicle hire company. You will be subject to the law of the country in which You rent the vehicle and will have to sign and accept the terms of the local vehicle hire companies rental agreement.

MoneyMaximiser Limited trading as Clarify Car Hire accepts no responsibility whatsoever for loss, damage, injury or death, whether arising from negligence, breach of contract or any other cause and furthermore MoneyMaximiser Limited trading as Clarify Car Hire deny any liability for suppliers not fulfilling the contract.

Any liability on the part of MoneyMaximiser Limited trading as Clarify Car Hire will be limited to the amount of any booking deposit paid to Us (excluding any insurance premiums for excess insurance).

Complaints Procedure

If You should wish to raise a complaint please email Us at customerservices@clarifycarhire.co.uk, write to Us at Clarify Car Hire, Suite 7, Market House, 19-21, Market House, Wokingham RG41 1EJ or call Us on 0330 222 0369 or (+44) 1184671531. To enable Us to look into Your complaint We do need to receive it within 28 days of the end of Your car rental. You will hear from Us within 28 days.

MoneyMaximiser Limited is regulated and authorised by the Financial Conduct Authority but please note that car hire is not a regulated activity and so therefore no recourse to the F.C.A. is possible in case of complaint. However in dealing with Us You can expect Our processes and procedures to be consistent right across all areas of Our company.

Full Terms and Conditions

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:
• Aged between 21 and 84 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 £550.00 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.

Vehicle Battery Failure
Cover up to £200.00 in the event that the battery of the Hired Vehicle fails. This covers the cost of replacing the battery and fitting charges, your additional travel expenses and any additional charges applied by the Hire Company for providing you with a replacement Hire Vehicle.

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.

Mobile Phone Charges
In the event that you have a Loss under this Policy that we have agreed to reimburse, we will, in addition, pay You up to £50.00 for mobile charges that you make to the hire company in connection with the Loss.

Curtailment
We will provide a benefit of £30.00 per days to a maximum of £300.00 in total if the hire agreement is cut short on the advice of a Medical Practitioner and there being 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.

Road Rage Cover
We will pay you £1,000.00 in any one period of cover if you suffer a physical assault by another person which results in Bodily Injury as a direct result of an accident that has involved your hired vehicle.

Car Jacking Cover
We will pay you £1,000.00 in any one period of cover if you suffer a physical assault by another person which results in Bodily Injury as a direct result of theft or attempted theft of your hired vehicle.

What is not covered:

• Claims will not be paid in the following circumstances:
• Where you do not meet the policy eligibility requirements.
• For any costs that can be recovered from the hire company or any other person or company.
• Which results from a direct breach of the terms and conditions of your hire agreement.
• Which is for third party death, injury or property.
• For any excess above the standard excess shown on your hire agreement.
• Solely for the loss or theft of, or damage to, the contents of a hire vehicle.
• For accessories which are fitted to or supplied with the hire vehicle, such as sound systems, radios, tape, CD or MP3 players, ski racks, car seats, GPS and satellite navigation equipment and telecommunications equipment.
• For mechanical repairs or the cost of any replacement parts which are necessary as a result of misfuelling.
• For any costs relating to a missed departure as a result of misfuelling.
• Resulting from wear and tear or mechanical breakdown.
• Resulting from your misuse of alcohol or drugs (including the misuse of prescription drugs).
• Resulting from a fraudulent, dishonest, illegal activities or a criminal act committed by you.
• If the hire vehicle was being driven by a person that is not named on your hire agreement.
• That occurs while the hire vehicle is not on a public road, for example while on a safari or an adventure trail.
• 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.
• For the hire of certain vehicles, namely: trailers or caravans, trucks, commercial vehicles, any type of Motor Homes/Campervans, Vans, Mini-buses, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles, vehicles changed from their standard factory specifications.
• Any loss arising from driving as Your occupation or profession or hires for commercial use or business use when purchasing an annual policy.
• For call out charges not related to the main claim.
• For payment card transaction fees.
• 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
  • Nuclear risks

Who is the Insurer

This insurance is underwritten by: -

Lloyd’s Syndicate 4444 and 5380 which is managed by Canopius Managing Agents Limited. Registered Office: Canopius Managing Agents Limited, Gallery 9, One Lime Street, London, EC3M 7HA. Registered in England no. 01514453.

Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference: 204847

The Policy Document and Certificate of Insurance are issued by Riverside Underwriting Limited, in its capacity as Lloyd’s Syndicate 4444 and 5380’s agent under contract reference B6839/EW014.

Riverside Underwriting Limited are authorised and regulated by the Financial Conduct Authority. Firm Reference: 466942.

Clarify Car Hire is an appointed representative of Riverside Underwriting Limited. Riverside Underwriting Limited is an insurance intermediary acting on behalf of the insurer. Neither Riverside Underwriting nor Clarify Car Hire provide advice but will answer any questions on the products sold. Clarify Car Hire and Riverside Underwriting earn commission payable by the Insurer.

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?

This insurance 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.

Where can I get further information?

Please email Insurance Queries with your question. Questor Insurance will answer your query within a maximum two working days.

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.

If you purchase this policy, decline any excess insurance or waivers offered at the car rental desk. Your credit card will be preauthorised up to the amount stated in the terms and conditions and, should your car suffer any damage, your card will be debited. On your return submit a claim on your policy and your excess will be reimbursed.

If your car is damaged or stolen you could be liable for an excess up to {{ priceFormatter.displayCurrency(currentResult.getExcess(), currentResult.currencyCode) }} per hire!

If your car is damaged or stolen you could be liable for an excess!

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Full Terms and Conditions.

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