This is a subject which causes a great deal of confusion with customers who are hiring cars in the UK.
As a result of the various options available to you are never quite sure what you can afford to [refuse decline] and what you must have.
Experienced travellers often get confused with this.
I am going to explain the part relating to customers arriving from North America to the UK. In North America many credit card companies offer additional benefits with their card. Car hire insurance cover is one of these benefits . Often customers from North America when booking a car in the UK will ask that the car rental insurance is not included in the price as they already have insurance with their credit card company.
The car rental company would only consider this if the credit card was a Gold card or a Platinum card, as these cards can cover, the whole cost of the car.
The customer should be aware of this. If you choose to use a Gold credit card to cover the insurance cost and you are involved in an accident. If the damage to the car was extensive and the car had to be replaced, the car hire company would take the total cost of replacing a car from the credit card.
The customer would have to claim this money back from the credit card companies insurance and hope they pay out.
If you have an normal credit card, not the Gold or Platinum card, you can still offset insurance cost by making use of the credit card cover on your credit card . I am referring to the deductible when mentioning the insurance cost. In North America the damage excess could be referred to as the deductible. Briefly, this is the maximum sum of money that the car rental company will hold you responsible for in the event the car is damaged. The sum could be in the region of £600.
You cannot directly use your credit card to cover the excess in these circumstances. In this situation you would decline the insurance option offered to you at the car rental desk by the car rental company . The representative will authorise your credit card for the total deductible amount. In the event that the car was returned damaged the car rental representative would deduct the cost of the repair damage from your credit card up to the maximum amount of the deductible. You would then use your card insurance to claim the excess amount back.
Some independent car rental companies will make available to you cheaper insurance packages .
See Car Hire Prestwick Airport Cheap
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