Q) Is an excess on car hire charged in North America?

A) Excess on car hire is generally not charged in North America, however there are some companies that charge for damage to the windows, tyres, undercarriage and roof. If this is the case then our excess policies will cover you for these items.

Q) I’m a little confused about the difference between worldwide cover and USA/Canada. Do I have any level of protection in USA/Canada if I opt for the worldwide cover?

A) When you hire a car directly when in the USA, you have the choice of taking a rental that is either fully inclusive, or fully exclusive, of car rental insurance.   If you hire a car on an exclusive basis, no car rental insurance is included in the car rental price. In those circumstances, it is necessary to purchase Collision Damage Waiver/Loss Damage Waiver (CDW/LDW) and Supplemental Liability Insurance (SLI). CDW/LDW covers damage, loss of use and theft of the rental vehicle, and SLI covers third party liability. These insurances are sold at the car rental counter and cost between US$20 and US$30 per day.

Our USA & Canada policy covers:

• Supplemental Liability Insurance (Third Party) up to US$ 1 million
• Collision Damage Waiver/Loss Damage Waiver (CDW/LDW) - covering damage, theft and loss of use of the rental vehicle - up to US $80,000
• Uninsured Motorist up to US$ 100,000
• Under-insured Motorist up to US$ 100,000
• Hit & Run Motorist up to US$100,000
• Car rental excess if excess is charged (it is generally not charged in the USA)
• Damage to windows, roof, tyres & wheels and the undercarriage.

Our Annual Excess Worldwide policy covers you for the Excess which is not usually charged in USA.

Q) Does the worldwide 60 cover the same CDW / SLI in the US as the USA / Canada specific policies?

A) Our Annual Excess Worldwide 60 policy covers you for the excess chargeable at any rental company around the world as long as the hire does not exceed 60 consecutive days.

Our USA & Canada policy covers you for:

• Supplemental Liability Insurance (Third Party) up to US$ 1 million
• Collision Damage Waiver/Loss Damage Waiver (CDW/LDW) - covering damage, theft and loss of use of the rental  vehicle - up to US $80,000
• Uninsured Motorist up to US$ 100,000
• Under-insured Motorist up to US$ 100,000
• Hit & Run Motorist up to US$100,000
• Car hire excess if excess is charged (it is generally not charged in the USA)
• Damage to windows, roof, tyres & wheels and the undercarriage.

Q) Hi, I have a package holiday with Thomas Cook to Florida (Sanford Airport), I just found out the included car hire with Dollar only covers SLI or third party. Thomas Cook said I can upgrade for extra but I think its too expensive. Can I use this insurance to cover for the two weeks? Am I allowed to do that? I mean will Dollar still give me the car if I have insurance with some other company?? Also there will be 2 drivers both over 25.

A) If you require our insurance for the USA you will need to hire a car that has no insurance included and our policy will fully cover you.

I set out below the cover and how the policy works:
When you hire a car in the USA, you have the choice of taking a rental that is either fully inclusive, or fully exclusive, of car rental insurance.   If you hire a car on an exclusive basis, no car rental insurance is included in the car rental price. In those circumstances, it is necessary to purchase Collision Damage Waiver/Loss Damage Waiver (CDW/LDW) and Supplemental Liability Insurance (SLI).  CDW/LDW covers damage, loss of use and theft of the rental vehicle, and SLI covers third party liability.   These insurances are sold at the car rental counter and cost between US$20 and US$30 per day.
Our USA & Canada policy covers:
•    Supplemental Liability Insurance (Third Party) up to US$ 1 million
•    Collision Damage Waiver/Loss Damage Waiver (CDW/LDW) - covering damage, theft and loss of use of the rental vehicle - up to US $80,000
•    Uninsured Motorist up to US$ 100,000
•    Under-insured Motorist up to US$ 100,000
•    Hit & Run Motorist up to US$100,000
•    Excess if excess is charged (it is generally not charged in the USA)
•    Damage to windows, roof, tyres & wheels and the undercarriage.
If you have taken a rental that is exclusive of car rental insurance, then our Policy will fully cover you for your car rental insurance requirements

Fly Drive programmes are generally structured so that the car rental company makes very little money on the rental, and looks to make its profit from add-ons such as insurance. For that reason, companies which participate in Fly Drive programmes do not always readily accept this insurance.

If you are doing a Fly Drive programme, it would be sensible to contact the car rental company, tell them you can provide your own insurance, and confirm that they will accept it.

Q) Hi, I’ve reserved a car in Canada with Hertz, for three separate periods spread over three weeks.  One period is more than seven days - is there any way I can cover the 8 day period through your company?

A) Our CDW/SLI which cost £5.99 per day will cover you for the following:

• Supplemental Liability Insurance (SLI) covering third party up to US $1 million
• Collision Damage Waiver/Loss Damage waiver (CDW/LW) – covering damage, theft and loss of use of the rental vehicle- up to $US 80,000
• Excess if excess is charged (it is just starting to be charged in the USA, it is more widely charged in Canada)
• Damage to windows, roof, tyres & wheels and the undercarriage

You can purchase this online by going to www.cdwsli.com