Insurance information
1) Third Party Vehicle Insurance
Every vehicle rented by CarDelMar has, in accordance with legal requirements of the country of rental, compulsory third party vehicle insurance for personal injury, property damage and pecuniary loss. This insurance cover is included, without surcharge, in the rental price. The liability cover is dependent on the relevant terms and conditions offered by the local rental companies. Further information on this can be found in the terms and conditions of the local rental companies. Attention should be paid to information in the voucher regarding the amount of liability cover provided.
2) Comprehensive Insurance / Theft Insurance
The rental price quoted by CarDelMar includes fully comprehensive cover, or similar, in respect of damage to the hired car, together with theft insurance. Attention should be paid to the information in the voucher regarding the scope of the cover and any exclusions.
If the local rental company only offers cover with excess, it will retain the agreed excess amount in the event of damage; this sum will be deducted from your deposit. The excess shall be held by the local rental company and charged to your credit card. The amount of excess differs from country to country. Please note the terms issued by the local hire company. In the case of damage, the excess amount shall be deducted from your deposit and charged to your credit card. CarDelMar will, however, refund the excess to you.
CarDelMar will refund the excess to you except in cases of:
- Damage due to failure to observe the general terms and conditions of rental, especially damage caused by driving on unmade roads.
- Breach of the provisions of clause 22 of the general terms and conditions.
- In cases of wilful misconduct and gross negligence, particularly where capability is impaired due to alcohol, illegal drugs or medication.
- Loss of or damage to the car keys.
- Damage to the tyres, glass, roof, chassis or oil sump.
- In all cases where the local insurance company refuses to meet the claim
- The excess payable under a package with excess will not be refunded in the case of damage.
- Loss resulting from the theft of personal belongings left in the hired car and consequential loss, e.g. vehicle recovery costs, hotel costs etc. and the loss of personal belongings.
The above examples are not included under fully comprehensive cover, which means in these cases that you are liable for the excess. It is, however, possible to take out additional insurance, in the form of super LDW (for more information please see under heading: Additional Insurance.
Consequential costs such as vehicle recovery fees, hotels, telephone charges etc. are not generally refunded.
Excess:
How do I reclaim my excess?
In the event of damage, it is imperative that the following procedure is observed:
- Contact the rental agency immediately
- If a third party is involved contact the local police, who they will issue a report. This report is to be submitted to CarDelMar on your return.
- When you return the hired vehicle, ensure that the rental agency compiles a damage report that is to be signed by the local rental company and by you. This report must also be submitted to CarDelMar on your return.
To obtain a refund of the excess, the following documentation is to be submitted to CarDelMar:
- The damage report signed by the local rental company and by you.
- The police report, a copy of the rental contract and proof that the deposit was paid in cash or charged to your credit card.
We ask our customers to note that no refund can be given if the local insurance (Partial or Complete Coverage) refuses to meet the claim.
In these cases it must be assumed that the damage has been caused by an act of gross negligence. No insurance is necessary for the handling of the excess locally. Terms and conditions of the local rental company apply.
3) Additional Insurance Coverage
3.1) Personal Accident Insurance
This insurance can be taken out directly, with an excess, from the local rental company. Prices can be obtained from the local rental company.
- PAI (Personal Accident Insurance) this additional insurance cover can be bought at most rental agencies throughout our network. This insurance increases the liability limit in the case of disability or death where the insured party is at fault.
- SUPER PAI: Extended personal accident insurance.
3.2) Loss, Theft or Damage to Possessions and/or Property
In certain countries the insurance cover can be extended by means of an additional policy.
This policy covers you for loss of or damage to your luggage and/or personal property.
(PEC = Personal Effects Coverage) Please note the terms and conditions offered by the local rental company, e.g. costs of and cover provided under the insurance package.
3.3) Super LDW (Super Loss Damage Waiver)
This additional insurance, which can be taken out with the local rental company, has 2 main functions:
a) Generally it covers the damage that would not otherwise be covered by fully comprehensive insurance e.g.
- Damage due to failure to observe the general terms and conditions of rental, especially damage caused by driving on unmade roads.
- Breach of the provisions of clause 22 of the general terms and conditions.
- In cases of wilful misconduct or gross negligence, particularly where capability is impaired due to alcohol, illegal drugs or medication.
- Loss of or damage to the car keys.
- Damage to the tyres, glass, roof, chassis or oil sump.
- In all cases where the local insurance company refuses to meet the claim
- The excess payable under a package with excess will not be refunded in the case of damage.
- Loss resulting from the theft of personal belongings left in the hired car and consequential loss, e.g. vehicle recovery costs, hotel costs etc. and the loss of personal belongings.
b) It eliminates the need for an excess.
4) Important Information
4.1) Charges for Young Drivers
In certain countries, it is compulsory for young drivers (under 21 or 25 depending on the country) to pay an extra charge. Customers can check if this is the case by reading the terms and conditions in the country of rental.
4.2) Additional Driver
All potential drivers of the hired car must be included in the rental agreement. This is to ensure that the insurance coverage and liability are valid. Depending on the country of rental, there may be a surcharge for the inclusion of an additional driver.