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When you hire a car in France, car hire excess insurance can work together with the main insurance so that you are not faced with a large bill at the end of your holiday. They are reimbursement policies for the excess and for the cost of damage to the windows, mirrors, tyres, wheels, roof and under body. These are areas which are usually excluded from cover provided by your car hire company.
So which particular features of policies might you want to consider when choosing a rental car excess insurance policy to best fit your car hire in France?
Run a quotation through the MoneyMaxim car hire excess insurance comparison service, and this will enable you to easily compare different features from leading excess insurers in the UK.
Here, we guide you through the process of choosing the best car hire excess insurance for France to suit your needs.
When booking car hire in France you will usually find your package includes Collision Damage Waiver, Theft Protection and Third Party Liability Insurance. Collision Damage Waiver and Theft Protection are both normally subject to an excess, and this excess is what renters want to cover with a car hire excess protection policy. These policies also contain a number of additional benefits, which can be important (or less important!) to you depending on your individual circumstances.
If you are not a UK resident it is a good idea to check the insurances above are definitely included within your car hire. As they are often covered for the Collision Damage Waiver through separate policies or through their credit card, US and Canadian residents can, for example, find they do not have all the main insurances as part of the car hire contract.
Some policies are offered to residents of countries all over the world whereas others are restricted to those living in the UK. If you are unsure of your residency, choose a policy based on where you think you are resident, then check with that particular insurance company. Each company has different criteria when it comes to residency so always best to ask before you buy.
For example if you are resident in France and hiring in France then you will need to say 'yes' to this question. Some policies are not available to those hiring in their home country. These policies will be removed from the results shown if you advise you are are a resident in France and are also hiring in the same country.
Once you have input your details and have a table of results, there are a number of factors which you may want to compare to find the right policy for you. What is 'best' for you may not work for another hirer so take your time to consider these points.
All policies shown on your quote will cover a standard rental car. All cover an excess of at least £5,000 which is usually more than enough to cover the car hire excess when hiring in France .
Breakdown Cover - - Mechanical issues are usually the responsibility of the car hire company and under most rental contracts you should not allow anybody to repair the vehicle without the express permission of the car hire company. As such none of the policies offer an equivalent to the traditional AA/RAC/Green Flag breakdown services. However, there are a number of circumstances where the car hire company may hold you responsible for towing and recovery charges associated with a breakdown or accident such as a puncture, cracked windscreen or a flat battery. The policies provided through MoneyMaxim can cover you against these charges. Towing limits can vary so take a look at these.
Personal Effects / Baggage Cover - This is normally a minor feature of car hire excess policies and they do tend to come with a very small excess for claims. If you have a decent travel insurance policy you will normally find you have much better coverage for your personal items through this. Also bear in mind that there are conditions which apply such as not being left on show in the vehicle. Baggage cover may not be a deciding factor when choosing your excess insurance for France.
Courtesy Car Cover - If your car goes in for repairs, you are often lent one by the garage to keep you on the road. If you tick this box you will be covered for the excess in this scenario as well. You do need to sign a formal agreement with the garage which documents your liability. Check your courtesy car agreement and the terms and conditions of any excess insurance policy before taking a garage car overseas.
Car Club members - There are some car hire excess insurance policies which will also cover members of a Car Club. Car clubs are a facility that, once you join, lets you borrow a car for a short time, picking it up and dropping it back to allocated parking spaces in major cities. If this is something which may be useful to you, then it may be worth comparing car club excess insurance policies.
Multiple lead driver policies - All the excess insurance policies in your results will cover at least one additional driver on a car hire free of charge. However, if other members of the family, or someone living at the same address also rent cars these policies allowing more than one lead driver can come in very handy. These are only available as annual policies and can be filtered by ticking the box 'Show policies allowing more than one driver to rent cars independently of each other'. Please note that conditions do apply and more information can be found on our Multiple lead driver page.
European or Worldwide policy? - If you are just hiring in France you will only need a European policy. This policy would also cover you in other European countries should you have permission from your car hire company to travel across a border. A worldwide policy will be needed if travelling outside Europe. Check your chosen car hire excess insurance policy for their definition of 'Europe' because, believe it or not, they are not all the same!
Annual or Short term policy? - A daily policy usually works out more cost effective if you are hiring for less than 15 days over 12 months, with annual policies probably working out cheaper if you go over this. If you run a short term policy for a trip of, for example, around 17 days in France then you are likely to see annual policies appearing at the top of your results. Annual policies allow you to take as many car hires as you like during the year as long as one car hire does not exceed the stated maximum number of days per trip.
More questions? - don't hesitate to call the MoneyMaxim team who will be delighted to assist you in your search - we have been helping customers find car hire excess insurance for 10 years now and will be happy to help you too.
This content was last reviewed on 27/02/2019