Does the policy cover car rental in the UK?
Yes, all our policies cover rentals in the UK, Channel Islands, Northern Ireland and the Isle of
Mann. But you must be a UK resident to purchase our policy. Residents of the Isle of Mann and Channel Islands may NOT
purchase our policy.
Do I need European or Worldwide cover?
European cover will cover you in Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech
Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia,
Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia,
Slovenia, Spain, Sweden, Switzerland and the United Kingdom. We also include the Channel Islands and the Isle of Mann, the
Azores, the Canary Islands, Islands in the Mediterranean and Madeira. For all other countries (see exclusions below), you
will need to purchase Worldwide cover, this includes the Faroe Islands
What are the geographic restrictions on your policies?
We do not provide cover for any trips in, to or through Afghanistan, Belarus, Burma, Congo,
Crimea/Ukraine, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe.
Neither do we provide cover for any trip to any country, or region thereof, in the world where the Foreign and
Commonwealth Office has issued a Travel Advisory against all travel, or all but essential travel, to such country or region.
A list of these countries can be seen on their website.
Am I covered for driving on unsealed and/or private roads?
Various hire car companies will apply restrictions for where you can drive their rental vehicles. Many car hire
companies have stipulated that their rental vehicles are not to be driven on unsealed roads. If this is the case and you
drive the rental vehicle on an unsealed road, then our policy will be invalidated. However, provided the car hire company
agrees that you may drive on unsealed roads and they are a public highway then the excess is covered by our policy.
Our policy will only cover you for driving on public highways. Therefore, all roads not intended for normal public use
are not covered by our policy. Driveways to accommodation, such as hotels, where you are staying are intended for normal
public use and so are covered.
Can I cover other drivers?
As the policyholder, you are covered for car rental agreements taken out in your name, as shown on the certificate of
However, as an additional benefit for Annual Policies you may nominate up to up to four members of your immediate family
who reside at the same address as yourself who could take out a car rental agreement in their name, i.e. they would be the
lead driver who signs the car rental agreement.
This is useful when members of the same household travel independently at different times and require cover. However, we
will not cover concurrent rentals i.e. we will only cover one rental contract at a time.
Additionally, this policy will also automatically cover all additional drivers aged between 21 and 84 years (inclusive),
providing they hold a valid and internationally recognised driving licence and are named on the car rental agreement.
What types of vehicles are not covered?
The vehicle must not be a motor home, trailer, caravan, van, truck, non-passenger carrying vehicle, vehicle that carries
more than 9 people including the driver, motorcycle, moped, motorbike, off-road* or recreational vehicle.
The vehicle must not have a retail price in excess of £65,000 (or currency equivalent), and not be more than 10 years
* 4x4 vehicles are not excluded if they are being driven on public highways and not going off-road.
Can you Cover Courtesy Cars or Car Club Cars?
The Car Club must be licensed in the United Kingdom to provide vehicles for hire and the vehicle must meet our definition
of a 'Rental Vehicle'. The vehicle may NOT be privately owned. Please read the Policy Wording for further information.
In the event of a claim you must be able to provide a damage report from the Car Club including copy invoices, receipts or
other documents confirming the amount you have paid in respect of the damage to the hired vehicle for which you are seeking
reimbursement and, where possible, photographs of the damage. You must also be able to provide a copy of your membership
Agreement and a copy of the repair invoice from the repairing garage. Please also see our Policy Wording for details of how
What is CDW excess?
Collision Damage Waiver (‘CDW’) is usually, but not always provided by the rental company in Europe.
Without this cover, if damage to the rental vehicle exceeds the Excess, you would otherwise be responsible for the full
amount. In other words, you may be responsible for the entire vehicle value.
Collision Damage Waiver (‘CDW’) may sometimes be referred to as Loss Damage Waiver (‘LDW’). Rentals in the USA, Canada,
South Africa, Australia and other countries may not include CDW, check your rental agreement.