Full Protection

Terms and Conditions
 

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

Theft and vandalism of Vehicle

You are covered up to the amount shown in the Benefit Table where there are costs incurred in relation to an incident of theft, vandalism or attempted theft.

Road traffic accidents, including damage to a third party vehicle

You are covered up to the amount shown in the Benefit Table where there are costs incurred in relation to damage resulting from a road traffic accident.

Accidental and malicious damage

You are covered up to the amount shown in the Benefit Table where there are costs incurred in relation to accidental and malicious damage to the vehicle.

Windscreens, Headlights & Other Lights

You are covered up to the amount shown in the Benefit Table for any windscreen, glass or light damage costs including chips, cracks, replacement and fitting.

You are covered up to the amount shown in the Benefit Table for costs incurred in relation to tyre puncture repairs or replacement.

Key Coverage

You are covered up to the amount shown in the Benefit Table for the costs of 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.

Lock Out

You are covered up to the amount shown in the Benefit Table in the event that you are unintentionally locked out of a rented vehicle with the keys inside for the necessary costs incurred to open the rental without causing any further damage. The rental company must approve the locksmith prior to a locksmith being called out.

Towing

You are covered up to the amount shown if you incur towing 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 Plan.

Administration Costs

You are covered up to the amount shown in the Benefit Table 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 up to the amount shown in the Benefit Table 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 up to the amount shown in the Benefit Table 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 Plan

All of the following conditions and/or eligibility requirements must be met for you to qualify for reimbursement:

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. The most we will pay in the aggregate during the rental period is £50,000.
5. You must take all ordinary and reasonable precautions to prevent or minimise any loss, damage or breakdown.

General Exclusions that apply to the whole Plan
 

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 You are driving while intoxicated or under the influence of a narcotic drug;
   2. Any dishonest, fraudulent or criminal act committed by You;
   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 You;
   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/mopeds, motorhome/RVs that have a built-in shower or toilet, campervans 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.

Claims
 

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. 
6. Rental agreement 

General Information

Coverage Under More Than One Policy

If You were covered by any other policy for the damage payable following the Incident, which resulted in a valid claim under this policy, We will only pay our proportionate share of the 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.
 
Recoveries

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").
 
False Request for Reimbursement

If any fraudulent request is made or if any fraudulent means or devices are used to obtain any reimbursement under the reimbursement plan, this reimbursement plan shall become void and the premium paid shall be forfeited. Any Reimbursements so claimed and received must be repaid to Us. 

Jurisdiction and Law

This reimbursement plan is subject to the law of the country of your permanent place of residence.

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

Reimbursement Plan Issuer

This Reimbursement Plan is provided by RentalCover.com, a trading name of Cover Genius Japan 株式会社.

Definitions

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