It is insurance4carhire car hire excess insurance renewal time once again

My annual Europe car hire excess insurance expires later this month and I have received a couple of reminders from insurance4carhire.com advising me of this as they say in their email "If you have recently renewed your insurance4carhire.com policy, please ignore this email. FSA regulations state that we must issue a renewal notice on any insurance policy that we sell"

So what else do they say " To remind you, our Policies give you peace of mind by covering the excess on damage and theft, as well as damage to windows, tyres, the undercarriage and the roof for any one rental vehicle. We have also negotiated a number of cover enhancements.

The Annual Excess Policy now covers:

All drivers between the ages of 21 and 85, so there is no need to purchase a separate policy.

Towing costs relating to damage or mechanical breakdown.

The costs incurred as a result of misfueling up to a maximum of £500 per incident and up to a maximum of £2,000 in any one period of insurance (unlike many of our competitors).

Includes in-Country Rentals - this means there is no longer a 150kms restriction from where you live. Particularly useful if you are a member of a car club.

Just Text HELP Emergency assistance

If you have an emergency abroad, text "HELP" and the country you are in to Call UMA and you will get a call back from a multilingual assistant who will advise you, and if necessary speak the local language for you. This service operates 24 hours a day, seven days a week. You should receive the call back within five minutes of your text being received. You just pay your standard network rate and/or your network provider's roaming charge for the text message and call back. This service can be used for any of the following:


Emergency assistance abroad (police, ambulance, fire, hospitals) with language interpretation

Victims of crime abroad (assistance dealing with police etc) with language interpretation

Assistance dealing with lost/stolen passports or credit cards

Any car hire related emergency

AND

We have increased the amount we will reimburse you for the excess or repair costs up to a maximum of £4,000 (double our previous cover) any one incident and up to a maximum of £5,000 (this was previously £3,000) during any one period of insurance.

EXCLUSIONS

We will not reimburse your excess or any financial loss or expense in the following circumstances:

If your country of residence is outside the European Economic Area (EEA).

For losses caused by accidental damage to the interior or contents of the Rental Vehicle.

If the Rental Vehicle is a motor home, camper van, trailer or caravan, commercial vehicle or truck, motorcycle, moped, motorbike, off-road vehicle, recreational vehicle, passenger van or other vehicle with more than 9 seats.

Where damage is the result of driving whilst on an un-made up road.

Letting your policy lapse could leave you exposed to costly insurance premiums and hidden excess charges whenever you rent a car. But if you renew your policy by October 26 2012, you'll stay protected - which could save you thousands if a car you rent is damaged or stolen.

Because you can buy your policy up to three months in advance, you can still renew now - even if you're not planning to travel straight away.


Interested in a different Insurance4carhire annual policy? No problem. If you do not want to renew your existing policy, you can choose a different one altogether."

I have now renewed and what does the annual Europe 31 cost? Well this is £49.99 however I paid a lot less.

How -  I followed the affiliate link through insurance4carrental.com (also via jml-insurance.co.uk) that means the price is reduced to £40.19 Quite a saving.

So if you are thinking of buying or renewing follow this link here and save some money. Not a bad idea for a Wednesday in Mid Octotober!