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#Post#: 46758--------------------------------------------------
Excess travel insurance claim query
DIR By: JoCo
Date: November 23, 2024, 7:57 am
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I was recently in Ireland, where I hired a car, with minimum
insurance, €2,000 excess.
As I have independent excess insurance.
Whilst in Ireland I scraped the rear door, denting it, no other
party involved unless you include a gatepost.
My bad.
Anyway I got the bill, and repair report. The repairers are
charging €3,500 to replace the door and ancillary work! Not
convinced it was needed, but that's not my problem...
Avis only charged me the €2,000 excess, to the card which I
booked the car hire with.
Looking at my Credit car Bill I have a debit for £1,682.99
which represents €2,000
However I also have a £46.28 Non Sterling Transaction Fee.
Question is: I haven't claimed yet, but can I include the £46.28
Non Sterling Transaction Fee, as part of my claim?
It's seem obvious that it is a loss, but I wonder if the excess
insurance company would try to claim that bank fees are not in
their gift, because it isn't the excess.
Perhaps I should claim £1,729 wording it: Sterling settlement
Calculated @ 1.18 incl bank fee. And let them object.
#Post#: 46765--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: Southpaw82
Date: November 23, 2024, 8:48 am
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What does your insurance policy actually say?
#Post#: 46770--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: JoCo
Date: November 23, 2024, 9:18 am
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On certificate
Excess Reimbursement £7,000 (Total for the term of the policy)
In Policy document
This Policy shall be governed by English law
You should, where possible, contact Us within 90 days of You
being charged by the Car Rental Company. Please
quote Your Policy number as a reference in all correspondence.
This Policy operates on a reimbursement basis, which means once
You have paid the Rental Excess or
Administration Charges due under Your Car Rental Agreement, You
can reclaim the costs from Us where
permitted by this Policy.
Your Car Rental Agreement may require You to reserve the Rental
Excess amount against Your credit or debit
card when You collect the Rental Vehicle. If the Rental Vehicle
is involved in an Accident or suffers Damage for
which You are held responsible, the Rental Excess amount or an
Administration Charge will be deducted from
this reserve, and You will receive a loss damage report. You
will then use this report to claim back the Rental
Excess or Administration Charge
Hence I wonder if they can assert that the Bank charges are a
separate entity from the Rental Excess, as not emanating from
the car rental company, but from the card issuer.
#Post#: 46771--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: JoCo
Date: November 23, 2024, 9:27 am
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Actually there's more which may be helpful:
Excess Reimbursement
If the Rental Vehicle is involved in an Accident or suffers
Damage for which You are held responsible under the
terms of Your Car Rental Agreement, We will reimburse You up to
the amounts shown on Your Certificate of
Insurance for:
• Costs directly relating to the Rental Excess, including
charges for Loss of Use following a valid claim under
Your Car Rental Agreement
• Towing costs incurred following an Accident, Damage or
Breakdown
• Administration Charges
This section includes Damage to auto glass (meaning any glass
that forms part of the Rental Vehicle and includes
windscreens, windows, internal and external lights and sunroof),
as well as Damage to the roof, tyres and under
body of the Rental Vehicle. You must supply written permission
from the Car Rental Company or Car Club for any
direct repairs, such as replacement tyres or auto glass up to a
maximum of £200.
Is a bank fee an administrative charge? I suspect they mean Car
rental Company's administrative charge.
#Post#: 46776--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: PallasAthena
Date: November 23, 2024, 10:09 am
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I would include it in the claim as an administrative charge. If
they only meant the car rental company's charge they have to say
so. It covers towing costs and they won't necessarily be
anything to do with the car rental company. I know it's the
principle of the thing but even so it is only £46.
#Post#: 46781--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: 666
Date: November 23, 2024, 10:41 am
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--- Quote from: JoCo link ---
>
> On certificate
>
>
> Excess Reimbursement £7,000 (Total for the term of the
policy)
>
> In Policy document
>
>
> This Policy shall be governed by English law
>
> You should, where possible, contact Us within 90 days of You
being charged by the Car Rental Company. Please
> quote Your Policy number as a reference in all correspondence.
>
> This Policy operates on a reimbursement basis, which means
once You have paid the Rental Excess or
> Administration Charges due under Your Car Rental Agreement,
You can reclaim the costs from Us where
> permitted by this Policy.
>
> Your Car Rental Agreement may require You to reserve the
Rental Excess amount against Your credit or debit
> card when You collect the Rental Vehicle. If the Rental
Vehicle is involved in an Accident or suffers Damage for
> which You are held responsible, the Rental Excess amount or an
Administration Charge will be deducted from
> this reserve, and You will receive a loss damage report. You
will then use this report to claim back the Rental
> Excess or Administration Charge
>
>
>
> Hence I wonder if they can assert that the Bank charges are a
separate entity from the Rental Excess, as not emanating from
the car rental company, but from the card issuer.
>
--- End Quote ---
Indeed, they could argue that you should have used one of the
cards that don't charge.
But anyway, claim it: they can only say no.
#Post#: 46782--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: Southpaw82
Date: November 23, 2024, 10:46 am
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“Administration Charge” seems to be a defined term. What is the
definition?
#Post#: 46788--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: JoCo
Date: November 23, 2024, 12:10 pm
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--- Quote from: Southpaw82 link ---
>
> “Administration Charge” seems to be a defined term. What is
the definition?
>
--- End Quote ---
Well spotted. Indeed it was defined:
Administration Charges – unrecoverable fixed amounts charged by
the Car Rental Company or Car Club
separately to the Rental Excess following Damage to the Rental
Vehicle
Not promising.
#Post#: 46792--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: PallasAthena
Date: November 23, 2024, 1:40 pm
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Ah, that makes a difference. Bung it into your claim and see
what happens. There's an argument to be made that the cost to
you of reimbursing the excess includes the charges your card
company makes but how much it's worth arguing about for £46 is
for you to decide.
#Post#: 46896--------------------------------------------------
Re: Excess travel insurance claim query
DIR By: JoCo
Date: November 25, 2024, 3:07 am
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£46 is not big meat. (Albeit the equivalent value to many PCN's
challenged voraciously on this forum.)
So worth a try, as below. It might get rubber stamped.
Certainly won't if I don't ask.
Looking at my Credit car Bill you will note that I have a debit
for £1,682.99 which represents conversion of €2,000 to
Sterling, and a £46.28 Non Sterling Transaction Fee. Leaving a
total loss of £1,729.27 relating to this claim.
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