Q) My car hire at Argus is not available, will my policy still cover me for hiring from another car rental company?

A) As we are independant from any car rental company, your policy will still be valid and can be used with any registered car rental company as long as the dates remain the same and the lead driver has not changed. We cover you the individual, not the car itself.

Q) We have an Annual Europe policy with you, however we are renting a car in Australia next month, would it be possible to upgrade our policy to Worldwide?

A) Unfortunately we cannot upgrade an existing policy, however we can offer you our Annual Excess Worldwide 31 policy with a 20% discount. Therefore you would have two policies in place as after the 14 days cooling off period we cannot cancel an existing policy.

Q) Do you cover CDW (collision damage waiver) in Asia?

A) Yes we cover CDW for Asia with either our daily CDW insurance policy, which is £5.99 a day. These can be found at www.cdwsli.com

Q) Does your Europe policy cover the excess for my car hire in the Canary Islands?

A) Yes, the Europe 31 policy covers the excess on car hire in the Canary Islands.

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) Does your Worldwide 31 car hire excess policy cover car hire in South America?

A) If you car hire comes with insurance, the Worldwide 31 policy will cover the excess that you may be liable for should you damage the vehicle or if its stolen whilst in your possession.

Q) I live in the Far East, am I still able to purchase one of your car hire excess insurance policies?

A) Yes, our car hire excess insurance policies are available for customers worldwide.

Q) How much does an annual car hire excess insurance policy cost that will cover Australia?

A) Our Worldwide 31 car hire excess insurance policy will cover you for Australia and costs £65 for one year’s cover. You can use the policy as often as you wish within the 12 month period as long as no one rental exceeds 31 continuous days.

Q) I am an existing customer about to renew my cover. We are going to Northern Cyprus this year. Does “Europe Insurance” cover this area?

A) Both Northern & Southern Cyprus are covered by our Annual Excess Europe policy

Q) Hello - before I buy a policy, please would you advise me if Avis in Ibiza will find it acceptable? I am mindful of arriving on a very late flight with a tired family in tow, and trying to explain this policy to a Sales Agent!

A) We bypass the car rental companies completely. We do not insure their vehicle - we insure you the Policy Holder. This means that you can use our policy with all rental companies. When you get to the car rental counter, you decline the car rental company’s Excess. This is a reimbursement insurance. If you have any damage to the vehicle, the car rental company will charge your credit card and you then claim for reimbursement. When you decline the car rental company’s Excess at the counter, they will respond in one of the following ways: they may simply swipe your card (which they will do anyhow), they may block the amount of the Excess on your card or, more rarely, they may actually withdraw the amount of the Excess from your card and release it when you return the vehicle.   At any rate, if you have any damage to the vehicle, they will all charge your card and then on your return home you claim for the full amount back from us.