We review CHEW Car Hire Excess Insurance policies, and explain the cover offered.Visit CHEW Insurance
Car Hire Excess Waiver Insurance CHEW is provided by The Medical Screening Company Ltd. They have been established as a specialist travel intermediary to the UK travel market for over 20 years.
They are underwritten by one of the world’s leading insurers, MAPFRE Assistance, which is a multinational insurance and assistance company founded in 1933 in Madrid, Spain. They have worldwide operations in Europe, America, Asia and Africa with over 161 million beneficiaries worldwide.
Their customer service team is based in the UK and all of their products come with a 14-day money back guarantee.
The CHEW Insurance policies are well specified offering a generous £5,000 single incident claim limit and multiple claims totalling £10,000, comfortably above the Excess levels set by most car hires. Vulnerable areas like tyres, wheels, windscreens and windows normally excluded from CDW policies are covered. They also cover the important areas of lost key, mis-fuelling and charges for recover after an accident or breakdown. Personal accident and cancellation cover are available as optional extras.
What make the CHEW Insurance policies slightly unusual in that they also include CDW Insurance cover as standard, so would still cover damage to your hire car even if it did not come with CDW (Collision Damage Waiver) cover as part of the hire package. However, do be aware that the cover is limited to £10,000 so unless you are hiring a very small and cheap car, the policy may not cover the full value of the car in the event of a write-off. In these instances consider full CDW policies offering £50k or more of cover.
If you run a car hire excess quote and look at the detailed breakdown on one of the CHEW policies, you will see we show that the policy will cover the hire of cars with a new retail value of up to £50,000. This is actually a slight understatement, they will actually cover cars with a retail value when new of £60,000, however there are additional restrictions on cars valued over £50,000 in that they should not be capable of accelerating from 0-62mph (0-100km/h) in less than 7.5 seconds. Although MAPFRE say they are unlikely to decline a case on this basis, given that most cars with a retail value between £50k and £60k have large engines we felt it best to show the lower valuation limit where no such additional clauses apply. Of course, the vast majority of hire cars aren't valued anywhere near these limits which makes this rather an irrelevance.
If you are looking for car hire quotations visit our car rental comparison service here
This content was last reviewed on 07/03/2018