Does anyone know of any car hire companies in the uk with insurance to cover both excess and deposit?

Question

So I only have to pay the rental charge

Answer 1

You've got a couple of choices here.
Firstly if you book through a car hire broker for example www.carhire3000.com or www.holidayautos.co.uk they will all offer you a Damage Excess refund package included in the price of your rental. This means if you did have an accident whilst driving the rental car you would be able to claim the excess charge back from them. The costs usually starts from £2.50 per day on top of the rental charge. You will still need to leave the deposit however if you have a credit card the value of the excess is not taken from your card but only pre-authorised. This means the car rental company reserves the right to take up to a specified amount from your card but doesn't actually take it unless the car is damaged.
Your other choice is to pay a Super Collision Damage Waiver (Super CDW) charge when picking up the car. This reduces your excess down to usually about £100 - £150 however it does usually cost around £8 - £10 per day.

The Damage Excess refund product is probably best if you want to minimise your exposure to extra costs at the best price

Answer 2

A couple of things. The best advice is to try your local insurance broker as many direct companies only want experienced drivers. You also get the advantage of free professional advice and if you have any queries you can always pop in to see them! Avoid Quinn like the plague - read their insurance policy to find out why - it is much worse than others available. Make sure that his mates have extended their insurance policy to allow him to drive before he goes out in their cars - see the certificate of insurance it should either have his name on it or 'any person driving with the policyholder's permission or with their consent' - this cover is not found very often these days as it is relatively expensive and people want cheap policies (until they claim that is!) With regards to the insurance on the vehicle - your husband will have an accidental damage excess of probably £300 - £400 if he buys comprehensive cover so if the vehicle is not worth very much third party fire and theft may be a better option - again any broker worth his salt will provide quotes on both options (sometimes comprehensive cover on an old vehicle with a high excess is cheaper than TPF&T cover and at least you get the windscreen covered!)

Answer 3

the deposit is for damage done to the car for example if you burn the seat with a cigarette it would cost £50 to repair but the excess on the companies insurance could be £500 so rather than pay £500 to get a £50 job done they would simply take it out of your deposit