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: Excess Reimbursement Cover. Insure your car hire online when completing your booking, plus save time and money compared to local insurances at the counter.
Adding Excess Reimbursement Cover 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 number +44 123 3225 114 who can add it to your booking. The policy below displays insurance information, which will help you on your next holiday.
|TABLE OF CONTENTS|
Maximum refund payable
Rental Vehicle Damage
When and where cover applies
Reimbursement cover conditions
How to make a complaint
The Auto Europe Car Hire Damage Excess Reimbursement Protection is to provide a refund of the amount paid by the car hire renter who booked their car hire from Auto Europe for the amount charged by the Car Rental Company for car hire damage excess directly as a result of an incident arising during the car hire rental period.Car Hire Rental Period As per Auto Europe Car Hire Voucher
|CAR HIRE DAMAGE EXCESS MAXIMUM REFUND PAYABLE||Up to £3000|
|Towing costs||Up to £300|
|Replacement rental vehicle keys||Up to £300|
|Missfuelling||Up to £300|
|Administration fee||Up to £300|
Worldwide excluding Afghanistan, Central African Republic, Chechnya, Democratic Republic of Congo, Iraq, West Bank, Gaza and the Occupied Territories of Israel, Libya, Nigeria, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen.
Please check that the limit of this protection is adequate for the car hire damage excess amount stated on the rental agreement. The maximum claim is up to £3000.
This policy can be amended or cancelled free of charge when Auto Europe is advised 48 hours prior to the reserved car rental start date.
How to make a Reimbursement Application:
All applications should be notified via Rightpath Insurance Solutions Limited's website, www.auto-refunds.com where you will be able to submit your application and all supporting documents online.
The Auto Europe Car Hire Damage Excess Reimbursement Protection is underwritten by syndicate underwriters at Lloyd's of London.
Auto Europe Rental Vehicle Damage
Welcome to Auto Europe with
JM Marketing Limited
We are dedicated to providing you with a high quality service. This reimbursement cover is designed to provide you with the carhire damage excess reimbursement cover. You can identify the cover you have purchased by looking at the reimbursement cover summary. This reimbursement cover will form the contract between you and us, subject to the terms and conditions detailed below.
The headings used in this reimbursement cover are for ease of reference and identification purposes only. Any endorsement or other variation which relates to this reimbursement cover is subject to the terms and conditions below. Words and phrases in bold have been given specific meanings and can be found in the definitions section of the reimbursement cover.
|Booking reference number||means the booking reference number which is exclusive to the renter and the renter's vehicle rental agreement and is shown on the booking voucher.|
|Booking voucher||Booking voucher means either a printed or electronic confirmation that a booking has been made. This document will show the renter's booking reference number.|
|Damage||means damage to the rental vehicle caused by fire, vandalism, accident or theft of the rental vehicle.|
|Endorsement||means a change to the terms of the policy.|
|Worldwide||means any Country in the World with the exception of the following named Countries being:
Afghanistan, Central African Republic, Chechnya, Democratic Republic of Congo, Iraq, West Bank, Gaza and the Occupied Territories of Israel, Libya, Nigeria, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen.
|Excess||means the monetary amount for which the renter is liable for loss or damage to the rental vehicle under the vehicle rental agreement.|
|Limit of indemnity||means our maximum total liability as specified in the policy schedule or as may be specifically endorsed to this policy to cover you within the terms and conditions of this policy.
Where a limit of indemnity is stated in the policy schedule as in the aggregate, that aggregate is the maximum we will pay for all insured events during the period of insurance.
|Period of insurance||means the time for which this policy is in force as stated in the policy schedule.|
|Policy||means this policy wording, the policy schedule and any endorsements.|
|Policy schedule||means the document attaching to or incorporated into this policy wording and headed policy schedule and bearing the policy number applicable to this insurance.|
|Premium||means the amount stated against the premium in the policy schedule.|
|Rental company||means a company or agency which is fully licensed (where required) with the regulatory authority of the country, state or local authority which rents automobiles for a fee.|
|Motor insurance policy||means a valid comprehensive motor insurance policy in respect of the rental vehicle arranged through the rental company for the trip.|
|Rental vehicle||means any vehicle hired under a vehicle rental agreement on a daily basis up to a maximum of sixty (60) carhire days from a rental company within the territory covered by your policy and which is collected from the rental company within the geographical scope of this insurance.
This policy will not cover any rental vehicle that is a motor home, camper van, trailer or caravan, a commercial van, commercial vehicle or truck, motorcycle, moped, motorbike, vehicle for which the main use is intended to be off-road, recreational vehicle (RV) or a vehicle with more than 25 seats.
|Renter||means the individual named means the person(s) named as the hirer on the vehicle rental agreement who meets the criteria for an eligible person.|
|Specified driver(s)||in the singular or plural, means the person(s) who is named as permitted to drive the rental vehicle on the vehicle rental agreement and on the booking voucher.|
|Territories||Worldwide excluding Afghanistan, Central African Republic, Chechnya, Democratic Republic of Congo, Iraq, West Bank, Gaza and the Occupied Territories of Israel, Libya, Nigeria, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen.|
|Trip(s)||in the singular or plural, means the period of a single vehicle rental agreement in respect of a single rental vehicle which is collected and rented from a rental company for the period stated on the vehicle rental agreement.|
|Vehicle rental agreement||means the contract of hire between the renter and the rental company.|
|We, us, our||means JM Marketing Limited and Lloyd's Syndicate AMA 1200 trading as ArgoGlobal.|
|You, your||means the insured specified in the policy schedule as named insured.|
Valid rental agreements
This policy must have been purchased and have commenced prior to the start of a vehicle rental agreement for which you wish cover to apply. We will not accept any liability for damage occurring under a vehicle rental agreement that commenced prior to the start of this policy. You must ensure the vehicle rental agreement includes a valid comprehensive motor insurance policy whilst the renter is renting and driving the rental vehicle.
Maximum rental period
Cover is provided for multiple rental vehicles at any one time. The maximum period of any single vehicle rental agreement should not exceed 60 days.
You are covered only when the renter uses the rental vehicle in the territory specified in your policy schedule. The policy you selected includes the following geographical areas:
Worldwide except the following countries Afghanistan, Central African Republic, Chechnya, Democratic Republic of Congo, Iraq, West Bank, Gaza and the Occupied Territories of Israel, Libya, Nigeria, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen.
We will reimburse you, up to the limit of indemnity stated below, for the amount of excess which the renter is required to pay under the vehicle rental agreement for any single incident or series of incidents under a single vehicle rental agreement in respect of accidental damage to the rental vehicle including:
This policy does not cover any liability arising directly or indirectly from any of the following:
1. Claims exceeding £3,000.00
2. Excess waived under the motor insurance policy
Any claim for an excess which is waived under the motor insurance policy or reimbursed to you, or if paid by the renter to the renter, under the motor insurance policy or by a third party.
3. Trip(s) exceeding 60 days
Where the vehicle rental agreement is for a period longer than 60 continuous days.
4. Unauthorised use of rental vehicle
Any claim for loss or damage arising while the rental vehicle is being:
a) used for a purpose which is not permitted or is excluded by the terms of the vehicle rental agreement or corresponding motor insurance policy; or
b) used in racing competitions, rallying, trials, rallies or speed testing, or when driven on a motor sport circuit; or
c) used beyond the limits of the public highway; or
d) used to transport illegal goods or contraband; or
e) driven by the renter or a specified driver, should it be proven to our satisfaction that the driver was under the influence of alcohol or drugs at the time of such loss or damage occurring. A conviction under the relevant law (including a conviction for failing to supply a specimen of breath, blood or urine) shall be deemed to be conclusive evidence that the driver at the time of the loss or damage was under the influence of alcohol or drugs.
5. Violation of the vehicle rental agreement terms
Any liability loss or damage if either the renter or a specified driver is in breach of the terms and conditions of the vehicle rental agreement at the time such liability loss or damage occurs.
6. Damage to third party vehicles
For damage to vehicles which are not rental vehicles hired by the renter under a vehicle rental agreement (other than a courtesy car).
7. Unauthorised drivers
Any person driving the rental vehicle who is not the renter or a specified driver named on the
vehicle rental agreement, and by any person who does not hold a valid full driving licence issued within the territorial limits of this policy.
We will not pay any claim for loss or damage that occurs outside of the territorial limits of this policy.
9. Unacceptable vehicles
Any claim arising from the rental of a vehicle which is:
a) more than 8 years old; or
b) valued at more than £150,000; or
c) considered to be unconventional or unusual (e.g. is "antique or exotic")
10. Unacceptable vehicle types
Any claim arising from the rental of a vehicle not licensed for road use, and other vehicles types, including trailers or caravans, camper vans, commercial vehicles, vans or loan vehicles, trucks, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles, motor homes, commercial vans and vehicles with more than 25 seats.
11. Rental vehicle interior
Any claim arising from loss or damage to the interior of the rental vehicle other than in the event of a collision.
12. Mechanical breakdown
Any claim arising from loss of or damage to the rental vehicle resulting from mechanical breakdown as a result of normal use and aging.
13. Property in the renter's control
Any claim arising from loss of or damage to the contents of the rental vehicle or any property being transported by the renter or otherwise in the renter's care, custody or control.
14. Radioactivity, Nuclear
Any legal liability of whatsoever nature directly or indirectly caused by or contributed to or arising from:
a) ionising radiations or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or
b) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component.
15. War and Hostilities
Any consequence of war invasion or act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
16. Deliberate or reckless damage
Any claim resulting from loss or damage caused deliberately or recklessly by the renter or any of the specified drivers.
17. Wear and tear, gradual deterioration, damage caused by animals
Any claims arising from loss or damage, caused by wear and tear, gradual deterioration, domestic animals, pets, insects or vermin.
18. Loss of value
Any claim for depreciation or loss of value following repairs.
19. Confiscation, requisition or destruction of the rental vehicle
Any claim arising from confiscation, requisition or destruction of the rental vehicle by or under the order of any Government or Public or Local Authority.
20. Benefits payable pursuant to uninsured, underinsured motorist legislation
Benefits payable under any uninsured or underinsured motorist law, first party benefit law or nofault law, or law similar to the foregoing in any state or territory.
21. Payment of Premium
Where the full premium or any additional premium has not been paid by you.
22. Car Clubs
Any payment or any claim from vehicles operated by a Car Club Company and or your acceptance to the terms and conditions of such membership agreement.
Any fines imposed, administration costs, claims for diminution of value or any costs involved with the impounding of the rental vehicle.
24. Eligible driver
Any claim resulting from a renter renting and driving the rental vehicle who is not an eligible
1. Keeping to the terms of the reimbursement cover
All claims should be notified via Rightpath Insurance Solutions Limited's website, www.auto-refunds.com where you will be able to submit your claim and all supporting documents online.
To obtain a reimbursement under your cover you will need:
Please note: When completing the reimbursement claim form you still have a "Duty of Disclosure". When answering these questions you must:
HOW TO MAKE A COMPLAINT
Our aim is to ensure that all aspects of your reimbursement cover are dealt with promptly, efficiently and fairly. If you have any questions or concerns about your reimbursement cover or the handling of a claim you should, in the first instance contact: