Car hire companies in the UK, Short Term Car Insurance Telephone Numbers in South Africa like every other car owner in the United Kingdom are required by law to have insurance for the vehicle covering third party risk. This mean that the vehicle has to have insurance cover for the eventuality that the vehicle is involved in an incident in which third party property is damaged or a person is injured.
So when you rent a car from a car rental company in the UK this insurance cover will be in place without you having to pay for it directly as part of your rental cost. The car is likely to have comprehensive insurance included in the rental cost. This covers the cost of repair to the vehicle in the event that it has been damaged.
However, due to the insurance costs incurred by the car hire company, they normally try to offset their costs by having an insurance excess or deductible on their policy. The excess amount could be in the region of GBP 600.00 and could be more if the vehicle is a premium type car, Quote Me Happy Short Term Car Insurance like a sports car.
The car rental company make the person hiring the car responsible for the insurance excess amount.
This means that in the event that the car is damage, the renter would be responsible for the first GBP 600.00 of damage to the car, Short Term Car Insurance How Much if the excess has been set as GBP 600.00. By doing this they reduce their insurance costs and also give the renter an incentive to try and avoid the vehicle being damaged.
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When a vehicle is returned damaged to a car rental location, the car rental staff will normally work off a chart of sorts to establish the approximate cost of repair. They will then apply this cost to the hirers credit card. In the event that the cost of repair is actually less than the amount charged to the credit card, there is some doubt that the car rental company actually contacts the hirer to refund the difference. The hirer should make a point of contacting the car rental company to establish what the exact of cost of damage was in case they are entitled to a refund.
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Car insurance can be so expensive. There are ways in which you can save money on this expense though. One way is by rewriting your policy. When you do, here are some things that you should keep in mind.
Raise Your Deductible
Your deductible is the amount of money that you pay out of your pocket before your insurance company begins paying off on a claim that you have filed. The main way in which you can save money on your car insurance is by raising your deductible. This will actually lower your car insurance premium (the amount of money that you pay for your car insurance policy) by as much as 40%.
Make sure that you ask what all your options are when you talk with your insurance agent. Many of them may not tell you all of your options unless you ask. Make an appointment and take some time to learn about the insurance you are paying for, what it covers, etc.
What Is Short Term Car Insurance?
Short-term auto insurance is not the typical insurance coverage that people hear about. However, it does have its merits in some situations. For example, if you are driving cross country in a rental car, having flood or hurricane coverage on a vehicle that is being stored in an area affected by hurricanes, temporary ownership of a vehicle, and if you are a foreigner visiting the US for a certain amount of time. Those who have found themselves in these types of situations find that it is much easier to obtain short-term policy than to go through the process of having to cancel policies and possibly incur a fee for doing this. In addition, those who are just letting someone drive their vehicle for a few days or weeks will find that this type of coverage is much better because it will not affect their long-term coverage. In addition, it takes much less time to add short-term coverage when compared to adding the driver on your long-term policy for a specific period of time.
Where can you get short-term auto insurance coverage?
This type of coverage is available through most auto insurance brokers. Though, it is rarely advertised because not many people realize that it is an option or they either do not have situations in which the coverage would be needed. Since having insurance is mandatory by law, whenever you are switching vehicles temporarily or whatever the case may be, you need to make sure that you are covered for your sake as well as for the sake of other drivers on the road. Not having any type of insurance coverage will only lead to more problems down the road.