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Mark founded MoneyMaxim in 2008, with the aim of delivering an impartial and independent service. Mark is a regular money saving expert in the press and writes regular news and articles for the MoneyMaxim news pages sharing his views on banking, personal insurance and the utilities (gas, electricity, mobile and home phones, broadband and pay TV) market with customers.
The benefits of purchasing a stand-alone car hire excess policy were made evident this weekend by Richard Dyson. As he expressed, the car hire insurance prices straight from the car hire desk at your destination can often be more than the cost of hiring the car. For peace of mind many holiday-goers pay these often ridiculous insurance prices directly from their car hire company for fear of the potential cost should they have an accident.
It is widely known that a small scrape or bump on a hire car can result in an ridiculously large bill from a car hire company. Also, that the majority of times you have hired a car there have been no such incidents. There is, however, an underlying fear in most people, could this be the first time they experience a bump on their car? Playing on this thought, almost all of the car hire firms offer their own car hire insurance policies when you go to their desk to pick up your car, knowing that the majority of people will purchase their cover. It seems hardly fair that you either end up with a high insurance premium at the start, or potentially a very expensive bill for an accident at the end. By using a standalone policy, you block the cost of both an pricey insurance policy or a bill from an accident!
By using MoneyMaxim's car hire insurance comparison service you are able to enter all your details into a system which will then give you a variety of insurers that will be able to cover you whilst you on your travels. We have policies that start at £2 per day, prices this low mean you can spend the money you save from not buying a policy straight from the car hire company on something much more interesting on your holiday! As Richard explained in his article, should you need to claim on your insurance you will have to pay the car hire company for any damage on the car on the return of the vehicle. Following this you can then submit a claim, providing you keep all receipts and paperwork, to the car hire insurer who will reimburse you. Whilst this process can be seen as being slightly more lengthy the amount of money you save is well worth the effort!
In Richard Dyson's words "I'm sold on stand-alone hire-car cover”. This is an opinion we hear often from our customers who have chosen to purchase their policy from us and have gone onto have a small scrape. The majority of our customers who have had to claim on their insurance, have had no issues and have found the whole process straight forward and easy to reclaim their money. The peace of mind these policies give you, without emptying your wallet, means the whole family can enjoy your holiday without fearing large bills on your return!