We bet that you’d pay good money to have a personal teleportation device in your home. Wouldn’t it be amazing to be able to say “beam me up”, and bypass all that nasty traffic to work or visit Paris on a whim? Unfortunately, we’re still a few years (or millennia) away from this reality and we’re all forced to make do with road travel, complete with traffic jams, potholes and speed limits.
The only thing worse than these boring realities of road travel is being without even the option to use your own car. Unless you have a spare car (and very few of us have that luxury), you’ll have to rely on your feet, bicycle, friends, taxis, or Uber to get you to where you need to go. That’s when you’ll wish you’d added car hire to your car insurance policy so that you can go about as usual without all the rigmarole of making alternate plans.
So, here’s what you need to know about car rental.
How to add car rental to your policy
It’s quite simple. All you have to do is call your insurer and ask them to add car rental to your cover. It’s a small price to pay for peace-of-mind, but of course the price depends on the type of car you select. When you add car rental to your policy, you’ll be asked which class of car you want, like a Class A (cheapest option for a small car, like the Hyundai i10) or something bigger, which would cost more.
Find out more about car leasing details at Vin’s Automotive Group.
When do you use car rental?
Usually, you’ll have access to your hired car when your own set of wheels has been stolen, written off, or is in for repairs after an accident. It depends on the insurer, but you should have the car for 30 days while your own car is being repaired or replaced. Some insurers will give you access to the hired car for 15 days because of the quick nature of the job involved in getting your car back to you. And if it’s going to take any longer, then you can request the remaining 15 days.
The nitty gritty of car rental
We’ve already told you that you’ll pay a small extra amount every month in addition to your regular car insurance premium to have car rental, but there are a few other things that you’ll pay for which you need to know about.
For starters, you’ll most likely pay a security deposit, which is refundable. In addition, you’ll be responsible for paying for the fuel while you use the car. There’s also the collection and delivery fees that you might be responsible for, depending on the car rental agency and whether or not you need the car to be delivered to you and collected from you. Lastly, if you get into an accident with the hired car or it’s stolen while in your possession, then you’ll pay the excess amount involved with the rental agency’s claim.
It’s all about balance
Look, you can for sure get up at 4 am (in the actual morning) to catch 2 taxis and a bus to work… Or you can hitch a ride with that weird guy in HR who likes to talk about his stuffed squirrel collection.
Or (and this is where we think you’ll end up a winner) you can add car rental to your car insurance policy. And if you’re worried about the extra cost, then why not take this opportunity to get super cheap car insurance that decreases every single month in line with the depreciating value of your car? This way, in a few months’ time the cost of your car hire could equal the decrease in your premiums… Balancing out.
Wondering where to find this kind of a deal? Just call 0860 50 50 50 or click here
to get a commitment-free car insurance quote.