FAQs
Coverage Basics
If you damage your rental vehicle, the rental company typically charges you up to your excess for the damage caused, and takes it directly from your credit card that you will have provided at the time of rental. A policy with Cover4Rentals will reimburse that amount to you up to GBP 12,000.
You are covered when hiring a car from any rental company except Wheego or Panek. Rentals from Wheego or Panek are not covered under this policy.
If Collision Damage Waiver (CDW) is included in your rental agreement then the rental company agrees not to charge you the full cost of repairing or replacing the rental car if it’s damaged or stolen — but you still pay the excess shown on your rental agreement.
In most parts of the world (e.g., Europe and the UK), CDW is usually (but not always) included as standard in the rental price.
In North America, this is different. CDW is not always included — it can be an optional add‑on you must buy separately. Many renters from outside North America are surprised by this difference because they expect CDW to be included automatically.
Cover4Rentals provides coverage for the excess unless CDW is not covered by either the Rental Company or Cover4Rentals. CDW is covered automatically in the Cover4Rentals USA & Canada policy and optionally in its Worldwide Policy.
For example, you suffer an accident with GBP 10,000 damage:
Rental company provides CDW and a GBP 1,500 excess you will be charged GBP 1,500 which will be refunded by Cover4Rentals.
Rental company does not have CDW cover but you have purchase this from Cover4Rentals. Cover4Rentals will reimburse the full GBP 10,000 charged by the Rental Company.
In both case you are fully covered.
The rental vehicle cannot be a motorhome, campervan, caravan, trailer, van, pickup (including pickups with a fitted hard-top canopy), minibus, truck, motorcycle, motorbike, moped, off-road or recreational vehicle, or any non-passenger-carrying vehicle. The rental vehicle must be a car and cannot be designed to carry more than 7 people, including the driver, cannot have a retail price over GBP 75,000 (or the equivalent in local currency), and cannot be more than 10 years old. Please note that 4×4 vehicles are covered only if they are designed primarily for use on public roads and are hired under a rental agreement from a rental company or car club.
We offer you a choice of Europe, USA & Canada or Worldwide cover. The countries covered by each are as follows:
Europe: Andorra, Austria, Belgium, Bulgaria, The Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Corsica, excluding Overseas Departments), Germany, Gibraltar, Greece, Hungary, Isle of Man, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal (including Maderia), Republic of Ireland, Romania, San Marino, Slovak Republic, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland and the United Kingdom.
USA & Canada: The continental United States and Alaska and Hawaii (U.S. states), U.S. territories including Puerto Rico, Guam, and the U.S. Virgin Islands, and Canada.
Worldwide: United Kingdom, Europe, USA & Canada and all other countries excluding: Afghanistan, Armenia, Belarus, Côte d’Ivoire, Crimea, Cuba, Democratic Republic of Congo, Dominican Republic, Iceland, Iran, Iraq, Israel, Jamaica, Liberia, North Korea, Myanmar, Republic of the Congo, Russia, Sudan, Syria, Venezuela, Ukraine, and Zimbabwe.
For all geographical limits: any country or region where the UK government has advised against all travel, or all but essential travel are excluded (even if listed above).
Eligibility and Drivers
It’s important that you have your insurance policy with us before you collect your rental car because it’s the only way that we can be sure that you didn’t damage the car and then decide to buy insurance to cover the cost.
The Lead Driver on the rental agreement needs to be the Policyholder, so the Cover4Rental policy will not be valid if you are an additional driver, you must be the Lead Driver.
As the policyholder, you are covered for rental agreements taken out in your name with you as the Lead Driver on the rental agreement. The Cover4Rentals policy extends to anyone who is down as an additional driver on the rental agreement. You can upgrade to family cover which allows you to add family members who live with you to the policy as Lead Drivers.
All drivers must be aged 25-84 years, be a resident of the United Kingdom, the European Union, an EEA nation, or Switzerland, they must hold a full current valid driving licence issued in the United Kingdom, the European Union, by an EEA nation or by one of the following countries: Australia, Canada, New Zealand, Switzerland, or the United States of America. All drivers must not be driving against the advice of a medical practitioner.
Policy Management
You can request amendments at any point via our contact form, our agents will assist you and provide a quote for any change of premium.
Single Trip Policies
We are unable to change your level of cover once your policy has already started but can assist with other requests.
Annual Policies
We can upgrade your cover level at any point during the policy, just let us know what you need.
Please keep in mind that any mid-term adjustment fee that was confirmed at the point of purchase of the policy will be automatically charged to avoid any delays in your request. You can refer to the copy of our Terms of Business document which is in your policy purchase email for the applicable fee.
We’d be sorry to see you go, however if you do need to, you can contact us by submitting a request via our contact form and our agents will reply as soon as possible.
Contact form
All our annual policies are set to automatically renew, so you’ll never have to worry about not being covered year-on-year. You can request auto renewal to be removed at any time in the policy year by contacting us using our contact form.
Regardless of whether your policy will or won’t automatically renew, we’ll get in touch before its renewal date to remind you of what will happen with your policy.
Claims and Support
If you need to make a claim please head over to our claims page for instructions and to start the process.
Claims
Your rental company does not need to accept your cover. You simply decline their excess waiver, which means if you damage the rental vehicle, they will charge you an excess, which you will then claim back from us.
The easiest and quickest way to contact us is through our contact us form. All you need to do is fill it out and one of our lovely customer service representatives will be able to assist with your query. You can find the form here .
Coverage Basics
If you damage your rental vehicle, the rental company typically charges you up to your excess for the damage caused, and takes it directly from your credit card that you will have provided at the time of rental. A policy with Cover4Rentals will reimburse that amount to you up to EUR 12,000.
You are covered when hiring a car from any rental company except Green Motion, Wheego, or Panek. Rentals from Green Motion, Wheego, or Panek are not covered under this policy.
If Collision Damage Waiver (CDW) is included in your rental agreement then the rental company agrees not to charge you the full cost of repairing or replacing the rental car if it’s damaged or stolen — but you still pay the excess shown on your rental agreement.
In most parts of the world (e.g., Europe and the UK), CDW is usually (but not always) included as standard in the rental price.
In North America, this is different. CDW is not always included — it can be an optional add‑on you must buy separately. Many renters from outside North America are surprised by this difference because they expect CDW to be included automatically.
Cover4Rentals provides coverage for the excess unless CDW is not covered by either the Rental Company or Cover4Rentals. CDW is covered optionally in the Cover4Rentals Worldwide policy.
For example, you suffer an accident with EUR 10,000 damage:
Rental company provides CDW and a EUR 1,500 excess you will be charged EUR 1,500 which will be refunded by Cover4Rentals.
Rental company does not have CDW cover but you have purchase this from Cover4Rentals. Cover4Rentals will reimburse the full EUR 10,000 charged by the Rental Company.
In both case you are fully covered.
The rental vehicle cannot be a motorhome, campervan, caravan, trailer, van, pickup (including pickups with a fitted hard-top canopy), minibus, truck, motorcycle, motorbike, moped, off-road or recreational vehicle, or any non-passenger-carrying vehicle. The rental vehicle must be a car and cannot be designed to carry more than 7 people, including the driver, cannot have a retail price over EUR 75,000 (EUR 65,000 for Silver Cover) (or the equivalent in local currency), and cannot be more than 10 years old. Please note that 4×4 vehicles are covered only if they are designed primarily for use on public roads and are hired under a rental agreement from a rental company or car club.
We offer you a choice of Europe or Worldwide cover. The countries covered by each are as follows:
Europe: Andorra, Austria, Belgium, Bulgaria, The Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Corsica, excluding Overseas Departments), Germany, Gibraltar, Greece, Hungary, Isle of Man, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal (including Maderia), Republic of Ireland, Romania, San Marino, Slovak Republic, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland and the United Kingdom.
Worldwide: United Kingdom, Europe, USA & Canada and all other countries excluding: Afghanistan, Armenia, Belarus, Côte d’Ivoire, Crimea, Cuba, Democratic Republic of Congo, Dominican Republic, Iceland, Iran, Iraq, Israel, Jamaica, Liberia, North Korea, Myanmar, Republic of the Congo, Russia, Sudan, Syria, Venezuela, Ukraine, and Zimbabwe.
For all geographical limits: any country or region where your government has advised against all travel, or all but essential travel are excluded (even if listed above).
Eligibility and Drivers
It’s important that you have your insurance policy with us before you collect your rental car because it’s the only way that we can be sure that you didn’t damage the car and then decide to buy insurance to cover the cost.
The Lead Driver on the rental agreement needs to be the Policyholder, so the Cover4Rentals policy will not be valid if you are an additional driver, you must be the Lead Driver.
As the policyholder, you are covered for rental agreements taken out in your name with you as the Lead Driver on the rental agreement. The Cover4Rentals policy extends to anyone who is down as an additional driver on the rental agreement. You can upgrade to family cover which allows you to add family members who live with you to the policy as Lead Drivers.
All drivers must be aged 25-84 years, be a resident of the United Kingdom, the European Union, an EEA nation, or Switzerland, they must hold a full current valid driving licence issued in the United Kingdom, the European Union, by an EEA nation or by one of the following countries: Australia, Canada, New Zealand, Switzerland, or the United States of America. All drivers must not be driving against the advice of a medical practitioner.
Policy Management
You can request amendments at any point via our contact form, our agents will assist you and provide a quote for any change of premium.
Single Trip Policies
We are unable to change your level of cover once your policy has already started but can assist with other requests.
Annual Policies
We can upgrade your cover level at any point during the policy, just let us know what you need.
Please keep in mind that any mid-term adjustment fee that was confirmed at the point of purchase of the policy will be automatically charged to avoid any delays in your request. You can refer to the copy of our Terms of Business document which is in your policy purchase email for the applicable fee.
We’d be sorry to see you go, however if you do need to, you can contact us by submitting a request via our contact form and our agents will reply as soon as possible.
Contact form
All our annual policies are set to automatically renew, so you’ll never have to worry about not being covered year-on-year. You can request auto renewal to be removed at any time in the policy year by contacting us using our contact form.
Regardless of whether your policy will or won’t automatically renew, we’ll get in touch before its renewal date to remind you of what will happen with your policy.
Claims and Support
If you need to make a claim please head over to our claims page for instructions and to start the process.
Claims
Your rental company does not need to accept your cover. You simply decline their excess waiver, which means if you damage the rental vehicle, they will charge you an excess, which you will then claim back from us.
The easiest and quickest way to contact us is through our contact us form. All you need to do is fill it out and one of our lovely customer service representatives will be able to assist with your query. You can find the form here .