Car Hire Excess Insurance – Daily Worldwide
Insurance Product Information Document
Insurance Company: Fortegra Europe Insurance Company SE
Administrator: Riverside Insurance Agency Malta Limited
Product: Car Hire Excess Insurance – Daily Worldwide
This product is administered by Riverside Insurance Agency Malta Limited (Malta Company Registration Number C 94792) whose registered
address is Level 3, Suite No, 2519, Tower Business Centre, Tower Street, Swatar, BKR 4013, Malta). Riverside Insurance Agency Malta Limited
is enrolled under the Insurance Distribution Act of the laws of Malta to act as an Insurance Agent for Fortegra Europe insurance Company SE.
This insurance is underwritten by Fortegra Europe Insurance Company SE (Malta Company Registration Number SE 17), which is authorised
under the Insurance Business Act 1998 of the laws of Malta to carry on general business of insurance by the Malta Financial Services Authority
of Triq-l-Imdina, Zone 1, Central Business District, Birkirkara, CBD, Triq L-Imdina, 1010, Malta.
Riverside Insurance Agency Malta Limited and Fortegra Europe insurance Company SE are both regulated by the Malta Financial Services
Authority.
This document is only intended to provide a summary of the main cover and exclusions and is not personalised for you. Please see
your policy documents and confirmation of cover for full details of the cover provided by your policy.
What is this type of insurance?
This insurance is designed to meet the needs of an individual renting a vehicle from a vehicle rental company for a single rental hire
and is designed to reimburse the individual for their liability to the rental company under the terms and conditions of the rental
agreement. This product may include additional benefits which are shown on the confirmation of cover.
What is Insured? What is not Insured?
✓ Excess Reimbursement up to €10,000. Any rental that commences or terminates outside of the period of
cover as stated on the confirmation of cover.
✓ Tyres, Wheels, Windscreen,
Any damage to third party vehicles, properties, persons or animals.
Undercarriage and Roof up to €10,000.
Any claim which results from a direct breach of the terms and
✓ Damage Caused by Natural Weather up conditions of your rental agreement.
to €10,000. Any claims resulting from wear and tear.
✓ Administration Charge up to €500. Mechanical or electrical breakdown.
✓ Towing Charges up to €750. Loss or damage to the interior of the rented vehicle other than in the
event of a collision.
✓ Misfuelling up to €500.
Accessories which are fitted to or supplied with the rented vehicle.
✓ Key Cover up to €500. Payment card transaction fees.
✓ Vehicle Battery Cover up to €500. Any claims for call out charges not related to a covered claim.
✓ Curtailment up to €300. Any claims for cleaning fees.
Any claims for over €500 where you have paid the excess or cost of
✓ Drop-Off Charges up to €300.
damage in cash.
✓ Locked Out Cover up to €100.
✓ Cancellation Charges up to €500.
✓ Personal Effects Cover up to €300.
Are there any restrictions on cover?
Policyholder and any named drivers must at least 21 years of age at the time of purchase.
Policyholder and any named drivers must hold a valid internationally recognised driving licence or permit for the rented
vehicle. This must be valid in the country in which you are renting and driving the car.
Policyholder must be renting a car, defined as a vehicle with up to 9 seats, including the driver, with a maximum
recommended retail price of €120,000 and a maximum of 20 years old.
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Are there any restrictions on cover? (Continued)
Any single rental hire must not exceed 120 continuous calendar days.
We strongly suggest that you travel and make any excess payments with a credit card. Any claims for over €500 where
you have paid the excess in cash are excluded.
Where am I covered?
Worldwide means anywhere in the world apart from Afghanistan, Belarus, Crimea, Cuba, Democratic Republic of Congo,
Iran, Iraq, Ivory Coast, Liberia, Myanmar, North Korea, Russia, South Sudan, Sudan, Syria, Venezuela and Zimbabwe. No
cover is provided for countries or areas where your Government has advised against all (but essential) travel.
What are my obligations?
- When applying for your policy, you must take reasonable care to answer the questions you are asked honestly and
carefully.
- You must take all reasonable steps to avoid or reduce any loss (for example, you should report accidents or other
damage to your rental company as soon as you reasonably can).
- If you make a claim, you must provide documents and other evidence that the claim handlers need to process your
claim.
- You must pay back any amount you are not entitled to (for example, if we pay your claim for an accident which is later
settled by a third party).
- You must not breach the terms of the rental agreement and car hire excess agreement.
- You must obtain the vehicle and other driver’s details in the event of an incident involving another vehicle and if
appropriate or required obtain a Police Accident report.
When and how do I pay?
Full premium must be received before the start date of the policy, payment can be taken by credit or debit card when
booking your rented vehicle.
Telephone: +34 964 830 995
Website: www.doyouspain.com, www.doyouitaly.com or www.carjet.com
When does the cover start and end?
Cover starts on the first day and ends on the last day of the period of cover as shown on the confirmation of cover.
How do I cancel this contract?
You may cancel your policy by contacting your booking agent before your policy has incepted and you will receive a full
refund of any premium paid. If you cancel at any other time, no refund will be due:
Telephone: +34 964 830 995
Website: www.doyouspain.com, www.doyouitaly.com or www.carjet.com
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