Saturday 24 October 2009

Autumn Half term Holidays here - are you renting a car?

Left: Shop window dressed for Halloween in Dublin, Ireland - (Photo jml Property Services)
The nights are getting darker, clocks go back this weekend and Monday is the October 26th bank holiday in Ireland.

Halloween and November 5th Fire works celebrations are just days away and so are the autumn (fall) half term holidays.

Despite the recession, many people will be taking a few days holiday with their family as they enjoy a break from school. No doubt you could be hiring a car.

Naturally if you are hiring a car remember you will have to pay certain additions, usually the
Collision Damage Waiver or CDW. Collision damage waiver is the insurance that will provide cover for damage to the rented vehicle. You can insure against this and it is called "car hire excess insurance"

You can usually buy these policies from the car hire company, but quite often you are paying more that using a provider like questor insurance or insurance4carhire. They offer very competively priced daily policies and annual policies that are really great value. Both of the providers advertise at our website insurance4carrental.com If you are hiring a car close to home you cannot be covered by the annual policy (check small print), however according to our contacts at insurance4carhire their daily policy does.

We covered this in more detail back in July this year on this blog site "Renting a car close to home, can I buy car hire excess insurance?"

As there are lots of times when you will need to rent locally like:

  • People only have one car, it is holiday time and they need a larger one for a day trip - ideal for a day trip on the half term holiday

  • There is only one car the family has and a family member is using this and another family member needs a car for a day or two.

  • There is no regular car of their own as the family lives in the city centre and parking is expensive and limited and they prefer to rent when they need one.

  • The car is in the garage for repair.

If you are not going away you may decide to stay at home and decorate or undertake some DIY project. Part of the problem is that you need to transport materials and you can't get these in the family car. You decide to hire a van. Rather like with hiring a car you will have to pay the excess insurance to the van hire company.

For just £7.99 per day, you can be protected against Van Excess charges, whenever you rent a van in the UK. Find out more here

Finally apart from car hire excess insurance we at jml insurance also act asd introducers for lots of other products including Travel Insurance, Property Insurance, Wedding Insurance, Pet Insurance and even products ffor people with criminal convictions. Take a look at our website sometime jml-insurance.co.uk

Have a great break, however if you are not taking one remember "insurance is one essential you can't afford to be without today.

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