We all travel for different purposes, whether it be for holidays, family or business. Something we can all agree on, however, is that we want to stay safe and should the unimaginable happen, we want to be sure we are properly protected. Auto Europe has the perfect solution for customers after peace of mind on their next self-drive holiday: Refundable Excess Insurance. Insure your car hire online when completing your booking, plus save time and money compared to local insurances at the counter.
Adding Refundable Excess to your booking is simple! Simply add on the product when prompted during the online booking process. Alternatively, you can call one of our reservation agents on our toll-free number 0800 358 1229 who can add it to your booking. The policy below displays insurance information, which will help you on your next holiday.
|TABLE OF CONTENTS|
Type of Cover
Travel Costs You Can Claim
Third Party Claims
When You are Not Covered
|POLICY LIMIT||£3,000 PER RENTAL PERIOD|
You are covered for the financial loss claimed by the rental company during the period of your
rental agreement for the physical damage or theft of your rental vehicle. In addition, we will cover
related fees, subject to the limits outlined hereunder, in accordance with the terms and conditions
of this contract. The Policy Limit for this rental agreement is shown here above. For the avoidance
of doubt, the maximum amount claimable under this policy is the amount shown in the Policy Limit
|TYPE OF COVER||LIMIT OF COVER|
Theft of vehicle
You are covered for the costs incurred in relation to the incident
of theft of your rental vehicle. If the theft is deemed to have been
caused by a lack of reasonable care, including but not limited to
failure to remove keys from the vehicle, you will not be covered.
If the theft has led to a criminal charge, an enforceable fine or
misdemeanour charge from the relevant authorities, neither the
associated or consequential costs, nor any costs from the rental
company can be claimed.
You are covered for any financial loss relating to damage of your
rental vehicle during the rental agreement, including damage to:
You are covered for tyre puncture, repairs or the cost of the tyre(s)
Key cover & Lockout
You are covered for the cost of replacing a lost or stolen rental
vehicle key, including replacement locks and locksmith charges
& key delivery costs. You must follow the guidelines prescribed
by the rental company.
You are also covered in the event that you are unintentionally
locked out of a rented vehicle with the keys inside for the necessary
costs incurred to open the car without causing any further damage.
The rental company must approve the locksmith prior to a locksmith
being called out.
You are covered for the cost incurred in regards to incorrect fuel
usage. Includes engine flush and refuelling.
Additional Hired Items
You are covered for costs incurred as a result of theft or physical
damage to any additionally hired items (for which additional
itemised charges have been paid), for which you are held
responsible under the rental agreement, such as GPS, child seats,
and toll passes.
You are not covered for damage caused by misuse or neglect.
Roadside repairs & costs
You are covered for costs relating to call out fees, battery
replacements and repair costs.
You are covered for financial loss following physical loss or damage
to your rental vehicle or mechanical breakdown of the rental vehicle
which results in a charge to you that has not and will not be
reimbursed by the rental company. In the event that the towing
charges derive from a 'loss of key' or 'lock out' or similar
key-related issue, the driver must follow the process and guidelines
prescribed by the rental company. If a towing company attends to
the vehicle rather than an authorised locksmith, and where the
rental company's process guidelines have not been followed, any
ensuing key replacement costs will not be recoverable through this
Storage Impound Fees
You are covered for fees incurred if your rental vehicle is towed
to a storage facility following a vehicle breakdown or accident.
Credit Card Fees
You are covered for credit / debit card fees charged by the rental
company for processing your damage costs.
You are covered for any costs relating to you substantiating your
claim, including but not limited to: Handling fees, carriage fees,
postal fees, accident fees, administration fees or anything of a
Drop-off / Relocation of damaged vehicle
You are covered for any drop off charges you incur in the event
of an accident that necessitates the relocation of a vehicle from
the accident site, depot or towing destination, to another
destination chosen by the rental company at their discretion.
Loss of Use Charges
You are covered for costs you are charged by the rental company
for loss of use of the rental car while the car is being repaired.
|TRAVEL COSTS YOU CAN CLAIM||LIMIT OF COVER|
You and any of your travelling party are covered under this policy if
the car rental agreement is cancelled or cut short due to a medical
condition that has effected yourself or one of your traveling party or
an immediate family member of yourself, one of the travelling party
for which you are able to provide a medical certificate, or an accident
or mechanical breakdown or similar misadventure which necessitates
the cancellation of your rental vehicle and where there is no refund
from the rental company for the unused portion of the rental.
Minimum & maximum age at date of issue
|21 - 85 years of age (inclusive)|
Maximum duration per rental
Demands and needs statement:
This Insurance meets the demands and needs of those eligible customers who
rent a vehicle and wish to insure the financial loss claimed by the rental
company during the period of your rental agreement.
What makes up this policy?
The policy wording and the voucher provided by the Auto Europe.
We will insure you up to the amount shown in the Policy limit found here above.
|INSURER COMPAINTS PROCEDURE|
Tel: 0800 358 1229
If the complaint is still not resolved to your satisfaction, you should write to Our Complaints
CBL Insurance Europe DAC, 13 Fitzwilliam Street Upper, Dublin 2.
If you remain unsatisfied with your complaints resolution, you can contact:
The Financial Ombudsman Service
Tel: 0800 023 4 567 (calls to this number are now free on mobile phones and landlines)
Your right to take legal action is not affected by following any of the above procedures.
|WHAT TYPES OF VEHICLES ARE COVERED?|
Rental vehicles, authorised car share vehicles, mechanic loan cars, accident replacement
vehicles and vehicles that are 12 seats or less.
|NOTE ON THIRD PARTY CLAIMS|
In the event that a reimbursement is pending for a claim against a third party who is
deemed 'at fault', the Claims Team will outline steps involved for covering the financial
loss while the third party claim is settled.
|WHEN YOU ARE NOT COVERED|
venue unless you have chosen to add "Off-road 4x4" to your policy and it is included in
'What types of vehicles are covered' above.
|SPECIAL CONDITIONS RELATING TO CLAIMS|
a) If at any time of any incident which results in a claim under this policy, there is another
insurance covering the same loss, damage, expense or liability we will pay the amount
remaining after the claim amount is confirmed by the other insurer within the limit of the Policy.
b) You must provide us with;
i) Final invoices from the rental company and repair companies (windscreen repairers, smash
repairers, assessment providers etc.) which show;
iii) All correspondence and documents shared between you and the rental company.
|GENERAL CONDITIONS THAT APPLY TO THE WHOLE POLICY|
1) You must take all reasonable precautions to avoid accident, injury, serious illness or theft.
2) This policy must have been purchased prior to the commencement of a car rental agreement
for which you wish this policy to be operative.
3) Cover during the insurance period will take effect from the time you take legal control of the
rental vehicle and will cease at the time the car rental company assumes control of the rental
vehicle, whether at its business location or elsewhere.
4) The insurance is provided for one rental vehicle at any one time, which may be driven and
operated by you.
5) Written notice of accidents, proceedings or any other events that may give rise to a claim
must be given to us within 45 days of the date of the incident.
6) All certificates, information and evidence required by us shall be furnished at the expense of
you or your legal representatives and shall be in such form and of such nature as we may prescribe.
You shall as often as may reasonably be required to submit, to a medical examination on behalf
of the insurer at your expense.
7) Except with our written consent, you or your representative(s) are not entitled to admit
liability on our behalf or to give any representations or other undertakings binding upon us.
We shall be entitled to the absolute conduct, control and settlement of all proceedings arising
out of or in connecting claims in your name.
8) We may at our own expense take proceedings in your name to recover compensation from
any third party in respect of any indemnity provided under this policy and any amounts recovered
shall belong to us. You agree to provide all reasonable assistance to us to recover such amounts.
9) Any fraud, concealment, or deliberate misstatement either in the application which this insurance
is based on in relation to any other matter affecting this insurance or in connection with the making
of any claim hereunder shall render this insurance null and void, all claims hereunder shall be
forfeited and we may inform the police of the circumstances, and seek to recover previously
10) This policy is not valid if you (and all the other driver on the rental agreement) are unable to
meet the eligibility criteria;
a) You are aged between 21 and 85 years of age inclusive and
b) You hold a valid, internationally recognised driving licence.
c) You are eligible to rent and drive the rental vehicle and able to adhere to the terms of the
car rental agreement.
d) You are listed on the car rental agreement.
|iN ADDITION, THE INSURER SHALL NOT BE RESPONSIBLE FOR:|
1) Any claim if you have not paid the appropriate amount of premium.
2) Any claim if you:
a) Do not hold a full and valid and internationally recognised driving licence, or
b) The driver at the time is not a named person on the car rental agreement.
3) Any claim if the car rental agreement is longer than 365 continuous days under a daily policy.
4) Claims arising directly or indirectly from:
a) Your suicide or attempted suicide.
b) Your self-inflicted injury or illness.
c) Your wilful exposure to danger (except in an attempt to save a human life).
d) You being under the influence of alcohol or drugs (other than drugs taken in accordance
with treatment prescribed and directed by a registered medical practitioner, not for the
treatment of drug addiction).
5) Claims directly or indirectly caused by:
a) Any fraudulent, dishonest or criminal act committed by you or any other person you are
in collusion with.
b) Driving the rental vehicle in a violation of the terms of the car rental agreement.
c) Persons who are not named on the car rental agreement.
d) Drivers who are aged under 21 years or over 85 years at either the time of purchasing
this policy or the date of commencement.
6) Claims relating to:
a) The rental of a bus, motorhome, trailer, caravan, truck, non-passenger carrying vehicle,
motorcycle, moped, motorbike, off-road vehicle being used off-road, vehicles carrying 13 or
more passengers or a recreational vehicle.
b) Vehicles that are not rented from a licenced car rental company.
c) Losses occurring whilst driving on unsealed roads, safaris or adventure trails.
7) Claims from loss or destruction of, or damage to any property whatsoever, or any loss or
expense whatsoever resulting in or arising there from or a consequential loss of any legal
liability of whatsoever nature, directly or indirectly caused by or contributed to, or arising from;
a) Ionising radiation or contamination by radioactivity from any nuclear fuel; or
b) The radioactive, toxic, explosive or other hazardous properties of an explosive nuclear
assembly or nuclear component thereof.
8) Losses or damage directly or indirectly occasioned by happening through or in a consequence
of war, an act of terrorism, invasion, acts of foreign enemies, hostilities (whether war be declared
or not), civil war, rebellion, revolution, insurrection, military or usurped power of confiscation
or nationalisation or requisition or destruction of or damage to property by or under the order of
any government of public or local authority.
9) Losses in respect to any property or expenses more specifically insured or any claim which,
but for the existence of this insurance, should be recoverable under any other insurance.
10) Claims or incidents that may give rise to a claim not notified directly un writing to us within
45 days of the date of the incident.
|DATA PROTECTION INFORMATION|
All personal information supplied by you will be treated in confidence by us and will not be
disclosed to any third parties except where your consent has been received or where permitted by
law or as required in the performance of existing contracts of insurance. In order to provide you
with products and services this information will be held in the data systems of us or our agents
or subcontractors. In accordance with the provisions of the Data Protection Legislation, you have
the right to receive a copy of all your personal data held by us following a written request (in
respect of which a small fee may be charged) and to have any inaccuracies in that personal
This document contains important information to help you understand the features, benefits
and risk of this insurance.
The Cancellation Terms allow you to cancel the policy without cause and in doing so you will
obtain a full refund of premium, provided the car rental agreement has not commenced and you
have not reported or intended to report a claim. Insurance policies are legally required to include
a Cooling-Off Period, provided the car rental agreement has not commenced you may cancel the
policy within 500 days of the issue date.
CBL Insurance Europe may pay remuneration to Auto Europe. The type and amount of remuneration
may vary and may include commissions, a share of profits and other payments. Please contact either
CBL Insurance Europe or Auto Europe for further details.
Accident means a sudden, unexpected event caused by something external and visible, which
results directly in loss, damage or physical bodily injury.
Act of terrorism means an act, including but not limited to the use of force or violence and /or
the threat of any person or group of persons whether acting alone or on behalf of, or in connection
with any organisation, or government, committed for political, religious, ideological or similar
purposes including the intention to influence any government and/or the public, or any section of
the public in fear.
Additional Drivers are individuals listed on a rental agreement who are not the policyholder.
Associated Costs and Charges mean costs which may apply in addition to an excess charge,
that are applied in the event of an accident by the rental company. These include loss
of use ('demurrage''), administration fees, credit card fees and relocation and recovery fees, and
Car Rental Agreement means the contract provided by a car rental company in respect to the
provision of a rental vehicle that contains the signature of the policy holder and that states the
excess for which the policy holder is responsible.
Car Rental Company means a commercial operation in business to rent out vehicles that is fully
licenced, where applicable, by the regulator authority of that country, state or local authority.
Certificate of Insurance / Voucher of Insurance means an insurance validation certificate
issued to you which describes who and what is covered under this policy. This is emailed after
purchase and includes your invoice. Country of Residence means your usual place of residence,
no less than 6 months of the year.
Excess means the amount for which you are held responsible under the terms of the rental
agreement as a result of the physical loss of or damage to the rental vehicle, including fire,
vandalism, theft and loss of use.
Public Road means a road that is sealed and recognised by the relevant authority.
Period of Insurance is the period referred in the Certificate of Insurance.
Rental Company means a company who rents or facilitates the rental or loan of vehicles
including but not limited to rental vehicles, peer to peer platforms, car share platforms,
accident replacement vehicles and loan cars.
Rental Vehicle / Car means a vehicle that is not a motorhome with inbuilt cooking and plumbing
facilities unless you have chosen to add them to your policy and they are included in 'What types of
vehicle are covered' above, motorbike, scooter, golf buggy, bus of 13 or more seats unless you have
chosen to add them to your policy and they are included in the 'what types of vehicle are covered'
Theft means a vehicle that has been stolen or removed, to either a known or unknown location,
without your permission.
Underbody means the underside of the vehicle excluding bumpers and trim.
We, Us and Our means CBL Insurance Europe DAC, 13 Upper Fitzwilliam street, Dublin 2, Ireland,
an Insurance company registered, authorised and regulated by the Central Bank of Ireland.
Registration Number: 218234
Central Bank of Ireland Number: C33526
You and your means those individuals including the policyholder who are listed on a rental
agreement where the rental agreement also includes you (the policyholder).