All drivers on your rental agreement are covered by this policy

Description of Coverage
 

If, during the period of insurance, you are responsible for any loss or damage to a Rental Vehicle as shown below, we will pay up to the amounts shown in the Benefit Table that you have to pay in respect of such loss or damage:
 

Theft of Vehicle

You are covered for any costs incurred in relation to an incident of theft, vandalism or attempted theft.

Windscreens, Headlights & Other Lights

You are covered for any windscreen, glass or light damage costs including chips, cracks, replacement and fitting.

Tyres

You are covered for any costs incurred in relation to tyre puncture repairs or replacement.

Key Coverage

You are covered for any costs incurred in relation to replacing a lost or stolen rental vehicle key, including replacement locks and locksmith charges & key delivery. You must follow the guidelines prescribed by the rental company.

Towing & Roadside Assistance Costs

You are covered for any towing or roadside assistance costs following physical loss or damage to or mechanical breakdown of the rental vehicle which results in a charge to you that has not and will not be reimbursed by the rental company. In the event that the towing charges derive from a “loss of key” or similar key-related issue, the driver must follow the process and guidelines prescribed by the rental company. If a towing company attends to the vehicle rather than an authorised locksmith, and where the rental company's process guidelines have not been followed, related costs will not be recoverable through this policy.

Administration Costs

You are covered for any rental company charges associated with processing your collision or damage event. These include but are not limited to handling fees, carriage fees, postal fees, accident fees, administration fees or anything of a similar nature.

Drop Off/Relocation of Vehicle

You are covered for any drop off charges you incur in the event of an accident that necessitates the relocation of a vehicle from the accident site.

Loss of Use Charges

You are covered for any rental company charges related to the loss of use or sale of the rental vehicle whilst it is off the road being repaired (also called "demurrage").

 

 

General conditions / eligibility requirements that apply to the whole policy

All of the following conditions and/or eligibility requirements must be met for you to be covered by this Policy:

1. Your name must be on the rental agreement. Other drivers that are on the rental agreement with you are also covered.
2. You must accept the terms and you must not have breached any terms of the rental agreement.
3. Coverage is limited to one Rental Vehicle at a time.
4. Your claim must be submitted within 45 days of the accident.

General Exclusions that apply to the whole policy
 

We will not pay claims incurred directly or indirectly as a result of or in relation to:

1. Bodily injury;
2. Loss, theft or damage to your personal property;
3. Damage or loss arising directly or indirectly from:
   1. The operation of the Rental Vehicle when an Insured is driving while intoxicated or under the influence of a narcotic drug;
   2. Any dishonest, fraudulent or criminal act committed by an Insured;
   3. The transportation of contraband or illegal trade;
   4. Participating in a speed contest or race;
   5. Operation of the Rental Vehicle off of publicly maintained roads except where the road is the sole access road to your accommodation venue;
   6. Intentional damage to or neglect of the vehicle by an Insured;
   7. Inherent vice or damage, insects or vermin;
   8. War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action;
   9. Seizure or destruction under quarantine or customs regulations or confiscation by order of any government or public authority;
   10. Trailers, camper trailers, motorcycles, scooters/mopedscampervans with built-in sleeping "berths, light trucks, 4x4s driven on unsealed roads except where the unsealed road is an access road to your accommodation venue & minibuses.
   11. If your vehicle was rented from a company on our Restricted Rental Companies list.

Claims
 

Complete the claim form on www.rentalcover.com/claim explaining in detail the reason for the claim.
Documents required:

1. Final invoices from the rental company and repair companies (windscreen repairers, smash repairers, assessment providers etc.) showing:
   • The cost of all repairs undertaken
   • The total charges from the rental company in respect of your excess and other charges related to the accident.
2. Other documents as requested by your claims officer.
3. All correspondence and documents shared between you and the rental company.
4. Accident or damage report.
5. Police Report, if applicable.  

General Provisions

Insurance Under More Than One Policy 

Alternate policies with rental vehicle coverage will be invoked for your claim.
 
Notice to Authorities

Where the loss is, or is suspected to be, due to malicious acts, burglary, robbery, theft, or attempted theft, you must give immediate notice of such loss to the police or other law enforcement agency having jurisdiction.
 
Subrogation

We will assume all your rights of recovery and bring action in your name to enforce these rights. In the event that RentalCover.com has paid a claim to you and you are eligible for a future reimbursement by the car hire company (for instance if you are deemed to have not been the driver who was "at fault").
 
False Claim

If you knowingly make a false or fraudulent claim in any respect, you will not be entitled to any coverage or benefits under this policy nor to the payment of any claim under this policy, and we will enforce our rights of recovery for any claims that have been paid. 

Financial Services Compensation Scheme 

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Most insurance contracts are covered for 90% of the claim. Further information is available from the Financial Conduct Authority or the FSCS. The latter can be visited on the web at www.fscs.org.uk or by contacting the FSCS on 0207 892 7300.

General Data Protection Regulation (GDPR)
 
We are committed to protect your personal information and we are committed to the principles of data security in the configuration of our services. As a data controller, we collect and process information about you and we also receive personal information from your booking agent including your email address, name and phone number, which enables us to issue and modify policies and process claims. We may share that data from time to time with insurers or contractors who may be outside of the European Union. We will never share your data with external marketing services. Our Privacy Policy outlines how we process your data, the data that we collect and the processes to undertake should you either wish to request a copy of your data, or remove consent for us to retain your data.

Jurisdiction and Law

You and we are free to choose the laws applicable to the policy. Unless otherwise agreed by us in writing the law applicable will be English Law.

The Cancellation Terms allow you to cancel the policy without cause and in doing so you will obtain a full refund of premium, provided the rental agreement has not commenced and you have not reported or intend to report a claim. 

Policy Issuer

This policy of Insurance is provided by RentalCover.com, a trading style of Cover Genius Ltd whose registered office is Rivington House 82 Great Eastern Street, London, EC2A 3JF. is a company registered in England and Wales under Company No 09408621.

Cover Genius Ltd is a firm authorised and regulated by the Financial Conduct Authority (FRN: 750711). Cover Genius acts in its capacity as an agent of the Insurer and not the Policyholder. If you purchase a policy from Cover Genius, the Company receives a commission which is a percentage of your premium.​

Period of Insurance

This policy is valid for policies issued providing you have paid the appropriate premium, as shown in your certificate of insurance. This is the period for which we have accepted the premium as shown in your certificate of insurance. During this period any rental agreement must not exceed 365 days. This would include not covering you, regardless of your incident date, for any claim that relates to a booked rental agreement that is longer than 365 days in respect of a single rental agreement. 

Definitions

Any word defined below will have the same meaning wherever it is shown in your policy.