Full Protection

The rental company’s basic Collision Damage Waiver (CDW) must be included in your car rental .

While CDW covers basic body damage, it has a high excess that you need to pay if there’s damage, even if you did not cause the damage. Full Protection covers your excess charges and other costly damage-related fees, and it covers various types of damage that CDW sometimes excludes.

You can cancel at any time up to the day of pickup for a refund.

Your Coverage

You can cancel at any time up to the day of pickup for a refund.

All drivers on the rental agreement are covered.

You are covered up to the full car value.

With Full Protection you are covered up to the full value of the car. This protection is designed to ensure the various costs applied by rental companies are covered, namely the excess that’s payable on any damages and related fees that are also charged.

You are covered when you are charged for...

Damage to the rental vehicle's bodywork.
Theft or vandalism of the rental vehicle.
Damage to windscreens, mirrors, lights: Includes all external glass & lights.
Damage to wheels & tyres: Includes punctures, fittings, replacements, repairs.
Roof damage.
Damage to the underbody of the vehicle.
Key loss or replacement or lock out: Covers call out fees, replacement of lost, damaged or stolen car keys, key programming and key delivery. You must follow the rental company’s guidelines.
Damages caused by natural disasters: Covers wind, fire, hail and other damages caused by natural weather events unless there’s been a breach of the rental agreement.

You are also covered for these costly fees...

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.
Administration fees: Includes Administration fees or anything similar that are charged for processing damage claims (also called handling fees, carriage fees, postal fees, accident fees). Transaction fees that you pay to your credit card company are not covered.
Drop off/relocation of damaged vehicle: Includes drop off/relocation costs of your rental vehicle if there’s a breakdown.
Loss of use/demurrage fees: Includes fees charged by rental companies for loss of use while the vehicle is being repaired.

You are not covered where...

You or another driver on the rental agreement breached any term of the rental agreement.
You or another driver on the rental agreement contravened driving rules or laws in any local jurisdiction where the rental vehicle was driven.
You have given misleading or fraudulent information. We reserve the right to recover any claims that have been paid based on any misrepresentation.
You have not provided documents that have been requested during the claims process.
You paid the rental company in cash and have insufficient evidence for that payment.
The event for which you are making a claim occurred before the product was purchased.
You incur costs resulting from misfuelling your rental vehicle (i.e. using incorrect fuel) or mechanical failure caused by you driving in a manner which is reckless, or which otherwise violates the terms of your rental agreement.
You did not notify police in accordance with your Rental Agreement terms. We recommend that you understand the local requirements for notifying authorities prior to picking up your vehicle.
Your personal items are lost, stolen or damaged.
You are liable for injuries to passengers, other drivers or any other party.
You are liable for damages to the property of passengers, other drivers or any other party.
The vehicle has been driven on an unsealed road, except for access roads to your accommodation venue.
Your rental vehicle is being used for deliveries or similar commercial purposes.
Your rental vehicle is a truck/lorry, van, bus, racing car, street car, motorcycle, scooter, moped, motorhome, RV, campervan or a 4x4 that you’ve driven on an unsealed road (except where the unsealed road is an access road to your accommodation venue).
Your rental vehicle requires a non-standard driver’s licence in your region/s of travel.
There is a claim arising directly or indirectly from: (i) war and acts of terrorism (ii) you engaging in active war (iii) nuclear risks.
There is any loss, damage, liability, cost or expense caused deliberately or accidentally by:
a. The use of or inability to use any application, software or programme;
b. Any computer virus;
c. Any computer related hoax relating to a. and/or b. above.
If your vehicle was rented from a company on our Restricted Rental Companies list.
Your claim relates to internal damage including, but not limited to upholstery/seating, bedding, toilets, showers, electrical outlets, bilge pumps, interior lighting, appliances and portable accessories.
Where clutch damage has occurred.

Special Conditions

“Disputed” charges from the rental company

If the rental company’s charges are inconsistent or unfair, as deemed by you or our claims team, we will outline a process for the recovery of the charges through your credit card issuer. If you are unsuccessful in recovering these charges and can evidence this to us, we will then consider these charges under the terms of this policy. Examples include, but are not limited to, charges for interior, wear and tear or other damage that you are not responsible for or mechanical failure or inflated repair costs.

Coverage through other means

If you are covered by another product for the same benefits as those listed here, including but not limited to free credit card travel cover or personal auto insurance, you will be required to initially make a claim through the other product. We will process a claim for the outstanding amount after the alternate claim process is complete.

Currency calculations and fees that you pay to your credit card issuer

Claims are calculated based on the currency that was originally charged by the rental company (this is the “currency of loss”). Our claims calculation does not include international card or other fees or foreign exchange conversions applied by your credit card issuer. Our claims process allows you to convert your approved claim amount from the original currency of loss to your preferred currency, using a retail exchange rate.

Incidents involving another vehicle

In cases where another vehicle (a “third party”) has been involved in an accident, and details of that vehicle and/or its driver are available, we require that information to be provided during the claim process. We may also confirm from the rental company that they have received those details. Rental companies will often charge you an amount up to the excess and reimburse you if you are deemed to be “not at fault” as a result of an investigation between the insurers of each driver. We will assist you to help ensure you’re expediently reimbursed.

If we pay out a claim before completion of any investigation, we reserve the right to recover the reimbursable funds on your behalf. We will bring action in your name to enforce these rights.

Cancellation by us

We reserve the right to cancel your coverage. Examples include, but are not limited to, the discovery of misleading information or a sanction irregularity or at our underwriter’s request.

Referrals from rental companies

We authorise distribution partners to sell our policies. To avoid a rental company's conflict of interest, if you have been recommended or directed to our service by a rental company that is not an authorised distribution partner of ours, your claim will instead be referred to the "disputed charges" process to ensure a fair outcome.

General Conditions / Eligibility Requirements

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

Your name must be on the rental agreement and it must be signed. Other drivers that are on the rental agreement with you are also covered.
You must not have breached any terms of the rental agreement.
Coverage is limited to one vehicle per rental, for the duration of coverage, except if your rental vehicle has been replaced by the rental company. Each time that you sign a new rental agreement you will need a new product.
You must take reasonable care to protect the rental vehicle and avoid damages.

Making a Claim

Go to rentalcover.com/claim. You will need photos or scans of these documents:

Your rental agreement from the rental company.
Your driver’s licence.
Bank statement showing your payment for the damage.
Final invoice from the rental company (available when the damage costs are settled - this may differ from your initial invoice).
We may also request that you provide an invoice showing the repair cost for damages.
Police report, if applicable.
All correspondence with the rental company.
Other documents as requested by your claims officer.

Cancellation and refunds

The cancellation terms are outlined on your Certificate.

Compliance Statement

Data Protection & Privacy

We are committed to protect your personal information and we are committed to the principles of data security in the configuration of our services. With respect to European General Data Protection Regulation (GDPR), 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, risk details and other information which enables us to issue and modify policies and process claims, detect, investigate and prevent activities which may be illegal or could result in your product being cancelled or treated as if it never existed and protect our legitimate interests. We may share that data from time to time with insurers or contractors investigators, crime prevention organisations 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.

We may monitor and record phone calls to help maintain our quality standards and for security purposes.

Sanctions

We shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of any sanctions regimes applicable to us.

Jurisdiction and Law

This policy shall be governed by and construed in accordance with the laws of the country in which the risk is situated, without prejudice to the provisions set out in Regulation (EC) 593/2008, and if the country where the risk is situated cannot be determined (for example risks occurring in international waters), then the laws of England shall apply. Each of the parties that the policy applies to irrevocably agrees that the courts of England shall have exclusive jurisdiction to hear and decide any suit, action or proceedings, and/or to settle any disputes, which may arise out of or in connection with this product or its formation or validity and, for these purposes, each party irrevocably submits to the jurisdiction of the courts of England.

Policy Issuer

This policy is provided by RentalCover.com, a trading name of Cover Genius Ltd whose registered office is Unit 6, 4 Ravey Street, London EC2A 4QP. Cover Genius Ltd 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.

This insurance is underwritten by a Consortium of Lloyd’s syndicates managed by Arch Managing Agency Limited. Registered office: 5 th Floor, Plantation Place South, 60 Great Tower Street, London EC3R 5AZ. Registered in England no. 06948515. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Ref. 526140.

Period of Cover

You are covered for the period as shown in your Certificate.

Certification of Cover

This Policy is issued to you by Cover Genius Ltd. in its capacity as our agent under Binding Authority number B11932A210056. In exchange for you paying the premium, you are Insured in accordance with the terms & conditions contained in this Policy (and any amendments made to it) for the duration of your Policy.

Signed by

Graeme Dean, Head of Insurance
Authorised signatory of Cover Genius Ltd.

Complaints/Disputes

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.

If this does not resolve your complaint, you may refer it either to Lloyd’s Asia using the following contact details:

Angela Kelly
Country Manager, Singapore
138 Market Street
CapitaGreen
# 05-01
Singapore 048946Tel: +65 6499 9330
Email: [email protected]

Or directly to one of the following external resolution bodies in Singapore. If your complaint relates to a claim the following conditions must be met:

A. The Financial Industry Disputes Resolution Centre (FIDReC).
Complaints Centre
36 Robinson Road
#15-01
City House
Singapore 068877
Tel: (65) 6327 8878
Fax: (65) 6327 8488/ (65) 6327 1089
Email: [email protected]

FIDReC handles insurance complaints between individual consumers and insurers with a value of up to SGD 100,000. Its decision will be binding on us but not on you.

B. Mediation (Singapore Mediation Centre)
Singapore Mediation Centre
1 Supreme Court Lane, Level 4
Singapore 178879
Tel: (65) 6332 4366/ Fax: (65) 6333 5085
E-mail: [email protected]

Where claims are small, expensive and legal action can be time consuming and expensive, mediation may be the solution.

C. Arbitration (Singapore International Arbitration Centre)
Singapore International Arbitration Centre
32 Maxwell Road
#02-01, Maxwell Chambers
Singapore 069115
Tel: (65) 6221 8833
Fax: (65) 6224 1882

Any dispute, difference or question which may arise in relation to the Policy or our rights or liabilities under it, will be referred to arbitration in Singapore and Singapore laws will apply. The arbitration will be heard by a single arbitrator to be agreed by you and us within 14 business days of the start of the arbitration.

Several Liability

The subscribing Insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing Insurers are not responsible for the subscription of any co-subscribing Insurer who for any reason does not satisfy all or part of its obligations.

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 to you under this insurance. Further information can be obtained from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St. Botolph Street, London, EC3A 7QU, United Kingdom. Tel: + (44) 20 7741 4100. Website: www.fscs.org.uk

Definitions

Any word defined below will have the same meaning throughout:

Accident or collision: means a sudden, unexpected event caused by something external and visible, which results directly in loss or damage.
Active war: means Your active participation in a war where you are deemed under English Law to be under instruction from or employed by the armed forces of any country.
Bodywork: means the metal frame of your rental vehicle.
Call out fee: means a roadside assistance charge from a service provider to attend to a vehicle breakdown.
Certificate: means a validation Certificate issued which describes who is covered under this product. This is provided along with your confirmation email or invoice.
Country of residence: means your place of residence.
Currency of Loss: means the currency that was originally charged by the rental company for the damage charges.
Distribution Partner: means contractually authorised distributor of our service.
Excess: means the amount paid - or payable - by you to the rental company, if there’s accidental damage or theft. RentalCover.com products are "zero excess", meaning there is no excess deducted by us for a claim.
Full value: means the market value of the rental car at the time of your claim. This is the cover limit and is the most we pay in the event of a claim.
Insurer: means a Consortium of Lloyd’s syndicates managed by Arch Managing Agency Limited.
“Not at fault”: means that one of the drivers is not deemed responsible for damages after an investigation between the insurers of each driver.
Natural weather event: means an event caused by natural forces, including but not limited to fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm that was impossible to predict at the time you acquired this product.
Nuclear risk: means ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or radioactive toxic explosive or other hazardous properties of any explosive.
Policy: means this reimbursement policy that reimburses the charges as outlined in the benefits table.
Rental agreement: means the contract provided by a rental company in respect to the provision of a rental vehicle that contains your signature confirming you agree to its terms.
Rental company: means a commercial operation in business to rent out vehicles which are 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 rented from an authorised rental company - including mechanic loan cars and accident replacement cars - 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: the website which distributes the product and provides the claims administration system.
Tax: means a government tax that is payable by you in addition to the cost of the product.
Terrorism: means an act including, but not limited to, the use or threat of force and/or violence of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Theft: means a rental vehicle that has been stolen, to either a known or unknown location, without your permission.
Vandalism: means a rental vehicle that has been damaged intentionally by you or someone known or unknown to you.
You/your: means the person named on the Certificate and any other person who drives the same rental vehicle and is listed on the same rental agreement.

Last Updated: 24 November 2023