4×4 insurance and excess

To be well protected, vehicles are covered by comprehensive insurance.

To be well protected, vehicles are covered by comprehensive insurance.

The 4×4 insurance covers:

  • Damage to the vehicle

  • Theft of the vehicle

  • Fire

The 4×4 insurance does not cover:

  • Camping equipment

  • Personal items

In the event of an incident, an excess is applicable: the client has to pay the repairs limited to the amount of the excess.4x4 insurance and excess

As in all insurance, there are exclusions which depend on the insurance of the rental company. Details are specified in the terms and conditions of the contract. In these cases, the insurance is no longer applicable and the client is responsible for the costs of the rented items (car and equipment).

The following are generally excluded:

  • Damage caused by driving through water or salt water damage,

  • Damage to tyres, windscreens, windows, deterioration of the interior of the vehicle or equipment,

  • Damage to shock, clutch , and damage sustained to the undercarriage,

  • Damage to the vehicle caused by careless, willful or if the driver is in breach of any traffic laws,

  • Damage in case of a single vehicle rollover (which usually happen in case of speeding or loss of control of the vehicle).

Reduced excess et additional options

It is possible to reduce the applicable excess amount by purchasing a reduced excess option. The cost and amount of the reduced excess depends on the rental company and the vehicle. These options are available on the quote given with our travel proposals.

In all cases, and even with a zero excess, exclusions still apply. There is no option to cover the damage in 100% of the cases.

It is also possible to opt for additional insurance which can be included with credit cards. In this case, if damage is invoiced at the end of the rental, the amounts may be refunded by this insurance. Be careful to check the conditions of these insurances because the rental of all-terrain vehicles is sometimes excluded.

Excess and Security deposit

When picking up the vehicle, the company will request a security deposit by credit card.

The credit card must be a VISA or Mastercard . AMEX cards are not accepted.

The amount of the security deposit depends on the vehicle and the excess option purchased. It is generally equal to the amount of the excess which is specified in the invoice received and in your travel documents.

This operation is carried out either:

  • By bank authorization: in this case, the amount is blocked on the card but is not debited from the bank account,

  • By imprint of a credit card,

  • Or by debiting the amount on the credit card: in this case, if there has been no incident on the vehicle, the amount is refunded a few weeks after the end of the rental.

Our advises

  • It is important to read the terms and conditions to know the rules and exclusions. They are provided on request and are systematically given to you when signing the rental agreement.

  • Any accident must be reported immediately to the police and to the rental company (within 24 hours).

  • It is essential to check that the payment limit of the credit card used to pay the security deposit is sufficient. If the bank reject the transaction, the vehicle cannot be supplied.

  • It’s important to check through the vehicle and ensure that all necessary equipment is provided and returned after the rental period. Keep the signed documents that can serve as proof.

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