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. Intentional damage to or neglect of the vehicle by an Insured;
   6. Inherent vice or damage, insects or vermin;
   7. 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;
   8. Seizure or destruction under quarantine or customs regulations or confiscation by order of any government or public authority;
   9. Water-related damage except when caused by weather conditions.
   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, & 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").
 
Sanctions

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

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 policy 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.

Jurisdiction and 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.

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 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

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.