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There are few guarantees in life, especially when you travel, and thats why we purchase insurance. In the case of Zero Excess Insurance on a car rental many travelers are left with questions as to what exactly it applies to and why they might need it to cover their car hire vehicle.
The "Excess" part of Zero Excess Insurance refers to the charges that often come from a car rental company should you have an insurance claim. More specifically, though insurance on your car rental vehicle will be included in your rental price from Carhirex.com, that insurance comes with what is commonly called a "deductible", or an excess charge.
For most car rental companies their insurance claim excess will run you the first EUR 1,000. When you opt to purchase Zero Excess Insurance, such as the All Excess Cover Insurance by Mondial, you are covered for an excess up to £2,000, and the protection extends to the windows, tyres, undercarriage, roof, rental car key cover, as well as your personal posessions up to £300.
In the instance of Mondial Excess Coverage for car rentals you must be a resident of the UK, over 21 and under 75. Their coverage is specifically for incidents when the vehicle is accidentally damaged, involved in an accident, or stolen during your rental period. The personal possessions coverage of £300 from Mondial only covers possesions which were locked in the boot or covered luggage area, or in the glove box of the insured vehicle. For more information about these and several other important aspects of the insurance agreement please see the Mondial Collision Damage Waiver Insurance pdf.