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The self drive hire insurance is how renters of vehicles protect themselves with road risk cover. It includes those that rent out cars, vans, minbuses and caravans. This cover financially protects the driver and the vehicle being rented and this cover is required by UK law to protect the renter and the businesses renting the vehicle. Seld drive insurance is normal the reserve of car rental companies, but it will also provide cover for van fleets that are availavle for self hire.
Just like all private vehicles on the road in the UK the minimum requirement is Third Party Only. Also available are Third Party Fire and Theft along with full Comprehensive cover. One of these three must be taken out for the vehicle to be legally driven on the roads in the UK.
A good feature of a self-drive insurance plan is that flexibility in the vehicle type being hired. Most oplices will you give you the freedom to provide a range of self hire vehicles
There are two sources a renter can obtain self drive hire insurance.
The cost of self drive hire insurance is determined under the same type of scrutiny as what goes into the determination of insuring a private vehicle. This includes;
The most common fleet insurance cover is full comprehensive. This covers both vehicles and all passengers in an accident and event on the road. Unlimited mileage is common. Cover for theft by the renter is also common and protection for the rental agency, the renter that steals the rental vehicle is then sought out and arrested. European cover is common and drivers that can be covered are from 21 to 75 years of age. The typical excess to be paid by the renter is £500.
Breakdown cover is the most common add-on for self drive hire insurance. This will provide assistance when the vehicle becomes disabled on the road and can take the occupants to their final destination if repairs are not possible on the roadside.
Liability cover is also available with a self drive hire insurance policy. This is legal protection if a third party files a claim against the renter of the vehicle for damages. This covers both the legal fees and any claim assessed to the renter by the courts.
The self drive hire insurance is required by law to have for anyone renting out a vehicle. It can be for a short or long period of time. Know your rights and know that you can have your own policy and not be forced to take the rental agencies policy. This can save you money.