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Friday, 9 September 2016

Why car hire excess insurance saves money according to Irish Times article

The Irish Times today published an article by travel writer Joan Scales "Travel Advice: Why car hire excess insurance saves money. Car hire is sold with basic insurance but there is usually an excess amount on top of that."

Joan normally has a weekend travel advice column in the colour magazine on a Saturday.

Today she was saying that "Car hire in most countries is sold with basic insurance, also known as collision damage waiver, covering you for accidents and damage though not all damages. There is usually an excess amount which can be anything from €100 to €1,000 that you pay in the case of anything happening."

She did not mention any particular independent companies you can buy excess waiver insurance from, but there are several products available for the Irish market including Irish company Blue Insurances carhireexcess.com and Questor Insurance Services, Worldwideinsure and insurance4carhire.com amongst providers  See list here


View full article here at The Irish Times

Friday, 19 August 2016

Car hire rental desk very busy in Dublin, Ireland yesterday

We had to come over to Dublin for a few days and instead of a 4.5 hour drive and 3.5 hour ferry crossing flew instead. Unfortunately the Aer Lingus flight from London Heathrow did not take off till 30 minutes after scheduled departure. As Heathrow is so busy, this probably happens regularly.

Only having hand luggage meant no further delays after passport control and headed out of Terminal 2 to the waiting Avis / Budget / Pay Less Car hire courtesy bus that takes you to the car hire depot on the outside of Dublin Airport.

There were only 4 other people on the bus so thought it would be fairly quick to collect the car. That is where it all changed upon arrival. It was packed. Organised chaos! A long queue for the Budget / Pay Less side and a slightly shorter one for the Avis side. All the time more buses arrived with more travellers arriving.

The long desk / counter shared by the companies was full staffed who were looking exhausted, but were polite, calm and efficient.

Eventually our turn arrived to present our car hire voucher bought on line earlier in the week from the re-branded Economy Car Hire now called Zest Car Rental.

As normal said I did not want excess insurance as we had an annual policy purchased through one of the providers on the insurance4carrental site. We were told (as advised in the Zest booking) that by providing your own excess waiver insurance a £1,500 deposit (€1,600) would be required via credit card.

I explained we did not want an automatic as a year ago with the same company, because of the busy summer period there were a lot of cars in the car park with Northern Ireland registration plates and we were provided with an automatic that I could not get into forward or reverse and it had to be changed for a manual model.

We were told there would be a fifteen minute wait. It was a very long 15 minutes. In fact by this time it was nearer to 1.20 and had we driven to Holyhead would just about be loading onto the car ferry!

Anyway eventually the car arrived and they highlighted the two areas of minor damage as several people had to come back to get their paperwork verified as these cars had additional damage.

It looked like if we had wanted to rent an expensive BMW, Audi or Mercedes there were plenty parked outside, but it looks like there were just not enough smaller cars like the Nissan Micra we had.

Although the staff were so helpful and stretched it was not a good welcome to Ireland. The car rental base has several companies operating from there and one person from Northern Ireland went and looked at the competition and said that in other ones there were no crowds. Maybe these companies were charging more - no idea. But with Canadians and other visitors waiting patiently in a queue it is not a good start to a visit to Ireland.

The Zest Car rental broker site offers several companies and you can check their individual terms of business. One area I always look for is the fuel policy and cross border policy. It is no good renting a car with a full tank of fuel and being told you bring it back empty if you are only driving 100 km in the rental, thereby the car hire company makes some extra money at the renter's expense.

We would use Budget / Avis again in Dublin, however if it is in the holiday season, hope they actually have more vehicles ready for collection when the customer arrives.

Sunday 21st August - Made sure hire car was refilled and returned early to airport. A queue for returns to get fuel deposit back of about 8 minutes so not so bad. No great long queues in the collection point, however if any staff took a break or a lot of flights came in chaos of the previous Thursday could return.

Monday, 15 August 2016

Car rental companies still make renters pay for excess insurance if credit on card not sufficient

My niece and family were visiting Ireland from France in July. They were flying to Belfast and hiring a car at the airport.  


I bought on her behalf a European car hire excess insurance policy from Questor Insurance. She printed off the details for the holiday. First of all she had to find a car rental company that allowed the driver to take it in the Republic of Ireland and then find one that did not charge a hefty fee for cross border use.


She booked the car online from France and they arrived at Belfast Airport. They went to collect the car and although she showed them the Questor Insurance policy document, as she was providing her own independently purchased excess insurance she fell down on a common financial problem.


Yes she could use the Questor Insurance, however they wanted to debit her French debit card immediately with some £800. This would have meant this amount of money (around €1,000 at that time has the value of the pound had not fallen post Brexit). She could not afford this so they sold her excess insurance costing some £125.00 for ten days cover.


So she had two lots of insurance cover. On costing £39.99 from Questor Insurance and the Car Hire company's product (for which they earn a lot of commission) costing £125.00 for ten days.


This is totally unfair. They should have the right naturally to hold a credit card deposit, but to actually take it off the driver at the time of hire is not right. This means the car rental company has additional funds in the form of cash flow and  if the hirer is not in the Sterling  zone they have to pay currency conversion costs to their bank.


I have hired cars over the years in similar circumstances, however most of the companies used have "swiped" the card and had the right to deduct the amount if there was a problem on returning the car, but funds were not immediately withdrawn.


This type of incident once again does not help tourism and only benefits the car hire company trying to make up income from competition by making a lot of money from car hire commission.


If you are looking for Questor Insurance products, excess, travel + and want to save even more money collect a discount of !0% when you buy from the insurance4carrrental.com / jml-insurance web sites at   http://www.insurance4carrental.com/questor.htm#Discount






Monday, 25 April 2016

Several easy tips to avoid car hire rip-offs in Sunday 24 April 16 Sunday Irish Independent

Yesterday's Irish Independent ran a seasonal article about car hire rip offs. With bank holiday and main holiday seasons fast approaching it was time to remind readers that it is not all plain sailing when you hire a car.

There were fourteen issues in the check list :-  Book online,  Small print and hidden costs, Check the excess, Credit card and driving licence, Paperwork,
Size matters, Finding your way, Child seats, Emergencies, To fuel or not to fuel,
Mileage, Essential equipment, Parking and Inspect it.

These issue have been written about now on numerous occasions by journalists in British and Irish newspapers, Car hire excess insurance companies and on this site. They are all very important and easy to forget the moment you have arrived at your destination with a tired family or just tired yourself.

One item of note that no particular car hire excess insurance company was suggested in the article. Being an Irish newspaper article, I would have thought that Blue Insurance's carhireexcess.com was included. 

If you are looking for car hire excess waiver insurance products in Ireland visit this page at the insurance4carrental site   

Read the article here.

Monday, 11 April 2016

More bad car hire experiences appear in last Saturday's Guardian

Car hire ‘super CDW’ cover: your policy should be to avoid this rip-off By Patrick Collinson was the headline in The Guardian on Saturday 9th April.


Once again there were warning on the problems of renting a car. It starts of saying "Rental companies are using ever more desperate tactics to force you into buying their wildly expensive “super CDW” insurance. The reason? Lots of people have woken up to this holiday rip-off and bought annual cover from the likes of icarhireinsurance or insurance4carhire instead. Nearly all the profit hire companies make comes from the extras, and when you don’t buy they get frantic."


First of all Patrick tells the story of his brother arriving at Glasgow airport with family. They had booked a large family car a Ford Galaxy. The company did not have such a vehicle and were offered a Citroen C3 Picasso which is about £10,000 cheaper on the market if you want to buy one.  Next came the hard sell on the excess insurance.


Although his brother had an annual car hire excess policy costing around £40 this was not good enough as the car hire company wanted to immediately debit £1,250 from his credit card. He did not have enough credit for this and refused to let his wife use her card. The only solution was that he had to pay £12.50 a day - the car hire company's price for their preferred insurance product.


This is so typical, however from personal experience, many car hire companies don't take the excess fee (£1,250 in this case) off your card them, they just want to be able to do it.


Patrick also pointed out that the policy you often buy from a car hire excess company, does not cover additional damage like tyres, under carriage, wheels and windscreens.


This blog has been around for many years now and together with the  insurance4carrental.com website we have featured so many similar reports like this.  Will it ever change? Read The Guardian article here

Tuesday, 15 March 2016

Reminder to buy your car hire excess waiver insurance for Easter now

We are at the day before St Patrick's Day and before you know it next weekend will be Easter. Another important date in the Irish calendar with the 100th anniversary of the 1916 Easter Rising. Mind you in 1916 Easter was very late in April.

The picture of an Easter scene was taken in Bruges in Belgium, however wherever you are off to for your Easter break and hiring a car, don't forget to buy your car hire excess insurance before you go.

It is a very well known fact that you will usually pay A LOT more if you buy car hire excess insurance from the car hire company.  

You can of course find a great choice of insurance company providers at   http://www.insurance4carrental.com/#Click 

Don't forget your Travel Insurance as well. Remember once you have left home many companies will not cover you. Find travel insurance companies here  


Happy Easter 2016
 

Wednesday, 6 January 2016

Questor insurance continues discounts on products at insurance4carrental site till end of 2016


Questor Insurance products continue to be discounted on the insurance4carrental.com and jml-insurance sites till the end of 2016.

This is very good news for consumers wanting to buy car hire excess waiver and travel insurance products. They can save 10% on the purchase price and in this day and age savings are very helpful.

Questor car hire excess insurance currently starts from £2.69 a day.

To find out more about the discount follow this link now  

To view all their products being promoted in jml Insurance sites follow this link

Wednesday, 16 December 2015

Car Hire in Nice

According to a report just in from Riviera Radio Daily News today  

"Car rentals - According to a recent survey renting a car in Nice has increased by 4% between 2014 and 2015. The report carried out by Carigami has shown that the average cost of renting a car in Nice is currently 35.5 euros that’s 4% more than last year. Nice however still remains cheaper than Saint Tropez"

If you are thinking of hiring a car in France follow this link

Wednesday, 21 October 2015

The half-term holidays are upon us says iCarhireinsurance

iCarhireinsurance are reminding customers about the half term holidays and also that Insurance Premium Tax is increasing as of the 1st of November 2015

The half-term holidays are upon us. Are you taking your family or loved ones away for a few days? Whatever your plans are, do not forget to buy your car hire excess cover with us!
Whether or not you are going anywhere for this half-term, if you haven't already, it is still a good opportunity for you to purchase your car hire excess cover:

Insurance Premium Tax is increasing as of the 1st of November 2015
, so if you buy your policy now to avoid the tax hike.
Stay a step ahead and beat the Insurance Premium Tax increase:
 
The company also received some PR in The Daily Mail Today - A column written by Becky Pemberton was using research carried out by iCarhireinsurance.
 
  • Five rental firms - Sixt, Hertz, Avis, Budget and Europcar - were analysed
  • Milan sees a decrease from the usual price, falling from £256 to £240
  • In Faro the cost of hiring an average family car rose from £82 to £152
 
Ernesto Suarez, founder and CEO of iCarhireinsurance.com, said: 'Hiring a car at half term is often more expensive than hiring when kids are at school, but there are still some good deals to be had, and serious savings can be made by not buying the extras at the rental desk. 
'Buying your car hire excess insurance in advance, not adding an extra driver to the policy and bringing your own child's car seat and sat nav can save a small fortune.See full article here
 

Friday, 9 October 2015

Half term will soon be here - reminder from Insurance4carhire

insurance4carhire are reminding customers that half term is just around the corner and that they should be making arrangements now to take out car hire excess waiver insurance.

Did you know, damage to your hire car could cost you on average £350? Even if you have an excess waiver from the car hire company.

They think there's a better way!

Protect yourself with excess insurance from insurance4carhire.com and we'll even cover damage to the windscreen, tyres, roof and undercarriage.

You can pick up a daily policy from as little as £3.99 per day or an annual policy for £39.99 for UK & European cover. Get quick cover today.

You can even save on the £39.99 price by following this link  That makes real sense