Collision Damage Insurance
Coverage is for each incident involving accident damage or theft of a rental vehicle within the rental period for which you are responsible under the terms of the rental agreement.
|Covers $35,000 of the Rental 4x4.
|Type of damage/accident||Associated costs & charges relating to accident/damage|
† This insurance is effected in England and is subject to the Laws of England and Wales.
Collinson Insurance Europe Limited is incorporated in Malta and is authorised by the Malta Financial Services Authority to carry on business of insurance under the Insurance Business Act, 1998.
Your coverage is for a rental vehicle rented from rental companies within Puerto Rico , United States or Virgin Islands, U.S.
When are you not covered?
a. Any claim where the vehicle replacement value exceeds US$35,000.00.
c. Any claim where a contravention of the local laws has taken place resulting in a court action.
In the event that you have paid expenses to the rental company that would be refundable because you are "not at fault", the Claims Team will outline a process whereby you will be reimbursed expediently.
Policy is valid for Residents of the European Economic Area.
Policy is valid for customers travelling to Puerto Rico , United States or Virgin Islands, U.S.
Your claim will be handled on the insurer’s behalf by RentalCover.com.
Description of CoverageCoverage up to the Policy Limit is provided for charges and other related fees that are payable in the event of accident damage or theft of a rental vehicle which occurs during the period of insurance and within the geographical limits. You are covered for:
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:
General Exclusions applicable to the whole policy
We will not be liable to provide coverage or services or to pay claims for expenses incurred directly or indirectly as a result of or in relation to:
ClaimsComplete the claim form on www.rentalcover.com/claim explaining in detail the reason for the claim.
Insurance Under More Than One Policy (Primary & Secondary Insurance)
If you have an active personal automobile policy that covers physical loss or damage to a Rental Vehicle, this coverage is primary. There will be no claim against your personal automobile policy. If you have coverage via your rental company or other means (including but not limited to credit card travel insurance benefits) this policy is secondary.
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.
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.
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 rental company (for instance if you are deemed to have not been the driver who was "at fault").
We shall not provide cover or be liable to pay any claim or other sums, including return premiums, where this would expose us to any sanction, prohibition or restriction under United Nations resolutions, asset freezing or trade or economic sanctions, laws or regulations of the European Union, United Kingdom, and/or all other jurisdictions where we transact business.
Fraudulent or Unfounded Claims
If any claim under this Policy is in any respect fraudulent or unfounded, all benefit paid and/or payable in relation to that fraudulent claim shall be forfeited and (if appropriate) recoverable. We shall not be liable to you in respect of a relevant claim occurring after the time of the fraudulent act. For the avoidance of doubt, the rights and obligations of the parties to the contract with respect to claims occurring before the time of the fraudulent act are unaffected; and
- We need not return any Premiums paid
- We may share information about the circumstances with other organisations, public bodies, authorities and law enforcement agencies for criminal investigation
You can cancel without cause up until the scheduled time of commencement of your rental and in doing so you will obtain a full refund of premium. This coverage can be extended or upgraded at any time or shortened after commencement to align your coverage dates to the rental dates (supporting documents may be required).
This policy is provided by RentalCover.com, a trading name of Cover Genius Europe B.V. whose registered office is Herengracht 420, 1017 BZ. 4QP Amsterdam.
Cover Genius Europe B.V is registered at the Dutch Chamber of Commerce (73237426). Cover Genius Europe B.V is a firm authorised and regulated by the Authority for the Financial Markets (1204617). 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.
This policy is underwritten by Collinson Insurance Europe Limited. Collinson Insurance Europe Limited is incorporated in Malta and is authorised by the Malta Financial Services Authority to carry on business of insurance under the Insurance Business Act, 1998.
Period of Insurance
Coverage commences on the policy start date and ceases on the policy end date.
Data Protection & Privacy
Jurisdiction & Law
This insurance shall be governed and construed in accordance with the law in the country in which the risk is situated, without prejudice to the provisions set out within Regulation (EC) 593/2008. You have declared your understanding of, and have requested fro the contract of insurance to be provided in your chosen language. you confirm you understand and agree to be bound by its terms and conditions.
You can contact our Claims Complaints Team ([email protected]) for a formal review of your claim or if you have other concerns.
We will respond within 5 days.
Once you have received your final response from us, if you are still dissatisfied you may refer your case to the Klachteninstituut Financiële Dienstverlening (Kifid).
2509 AG Den Haag
Tel. 0900 – 3552248
The Kifid is an independent body that arbitrates on complaints about general insurance products and other financial services. It will only consider complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted. You must submit the complaint to Kifid within one year after submitting the complaint to us or within three months after you have received our final response to your complaint.
Alternatively, you can also contact the Insurer:
Collinson Insurance Solutions Europe Limited (UK Branch)
The Customer Relations Department, PO Box 637, Haywards Heath West Sussex, RH16 1WR, England
Email: [email protected]
Collinson Insurance Europe Limited (CIEL) is the Insurer and underwrite all the benefits provided under the policy. CIEL appointed Collinson Insurance Solutions Europe Limited (CISEL) to handle complains on its behalf as indicated above. CISEL can provide a translation If you remain dissatisfied after receiving our response you may be able to pass your complaint to the Arbiter for Financial Services. The service is provided in English and Maltese and further details including contact details for the Office of the Arbiter can be found at the below address.
Office of the Arbiter for Financial Services
1st Floor, St Calcedonius Square, Floriana FRN 1530, Malta
Tel: 80072366 (from Malta)
Tel: +356 212 49245 (from outside Malta)
Email: [email protected]
You may also have the right to pass your complaint to an Ombudsman in your country of residence.
Any word defined below will have the same meaning wherever it is shown in your policy.
Accident or Collision means a sudden, unexpected event caused by something external and visible, which results directly in loss or damage.
Certificate of coverage means an insurance validation certificate issued which describes who is covered under this policy. This is provided along with your confirmation email or invoice.
Country of residence means your place of residence.
Geographical Limits means any of the following countries:
Puerto Rico, United States, Virgin Islands, U.S.
Insured/ You/ Your means the person named on the Coverage Summary page who is listed on the Certificate of Insurance and any other person who drives the same rental vehicle and is listed on the same rental agreement.
Insurer means Collinson Insurance Europe Limited of Third Floor, Development House, St Anne Street, Floriana FRN 9010, Malta.
Rental Agreement means the contract entered into within the geographical limits and provided by a rental company in respect to the provision of a rental vehicle that contains the signature of the policy holder.
Rental Company means a commercial operation within the geographical limits which is in business to rent out vehicles and that is fully licensed, where applicable, by the regulatory authority of that country, state or local authority including online "share" or "peer to peer" websites, loan cars from a licensed mechanic or accident replacement vehicles.
Rental Vehicle means the private passenger automobile registered within the geographical limits and rented from a Rental Company at the time the rental contract is signed, including online "share" or "peer to peer" websites, loan cars from a licensed mechanic or accident replacement vehicles.
RentalCover.com, a website owned by Cover Genius Inc. means the Policy Issuer and Claims administration system.
Tax means a Government tax that is payable by you in addition to the insurance premium.
Theft and Vandalism means a vehicle that has been stolen or damaged, to either a known or unknown location, without your permission.
Collinson Insurance Europe Limited whose registered office is Development House, St. Anne Street, Floriana, FRN 9010, Malta is authorised and regulated by the Malta Financial Services