Last month, we came back to the UK after some time abroad.
Since we were moving back before Christmas, and there was going to be chaos for a while, I rented a car from Heathrow for a couple of weeks. Through the various discount voucher companies, I found a no-brainer of a deal: GBP160 for 9 days for a Golf Estate (we had a family of 4 with luggage), brokered by AutoEurope, with the rental from GreenMotion. The excess was not quite as stupid as it can be – GBP1500 – but it was the usual case of knowing that if you put a foot wrong at any point, the bargain would turn out to be a horrendous money pit! That’s likely how they make their profit.
Now – I ‘wised up’ to these deals a long time ago, so I had an annual carhireexcess.com policy, and then always turned down every offer of insurance. The policy seems pretty straightforward and not too onerous, and I was nervous of the catch that had to be there, but I kept it and used it.
So – when I reversed the high-spec Volvo C70 (we upgraded for GPB25) into a bollard, my heart sank! Definitely my fault, and no way to hide it. I was returning the car to GreenMotion that day, so I took refuge in my excess insurance policy, and paid out the GBP939 for the damage to the bumper and panel on my card.
A few days later, when the statement was on my credit card, I phoned carhireexcess, got put through to their insurance company OSG, and got sent a form. Completed form, drivers’ licence, documents from Green Motion, card statement, all got scanned and emailed off, and I hoped.
And… to my surprise, a few days later, without a single further question or attempt to wriggle out of it, I received a short email: “We’ll reimburse you in full”. Another few days later, I received a cheque (cheque!!?). I paid that in, and this morning, it cleared. Paid in full!
So – to my surprise and happiness, this is a positive review for what was a no-nonsense policy and process. I’ll have to wait and see whether my premiums go up elsewhere, or whether they insure me again, but for the moment, I’m pleasantly surprised, and will use them again.