Posted: 2018-01-14 14:14
Just getting sight of the contract before signing can be difficult. The experience of reader, George Macfarlane from Glasgow, is typical. “After entering my credit card pin number I was surprised to be asked to sign the electronic screen. Only afterwards was I presented with the rental paperwork which now bore a facsimile of my signature without my having even seen the contract, let alone being able to read and accept it”.
Guaranteed, age banded or reviewable premiums
Some policies come with age banded premiums that rise each year as you get older, others with reviewable premiums where the insurer has the right to increase them periodically over time and other plans have guaranteed premiums where the amount you pay is fixed for the entire term of the policy. Guaranteed premiums are often higher at the start but can work out considerably cheaper over the life of the policy.
With more and more people in the UK starting their own businesses and/or turning to contract work where there is no employer sick pay or SSP the need for income protection is even more acute. With company directors often paying themselves a small salary and the rest of their income being made up of dividends there is an opportunity for the business to own and pay for the plan on behalf of the director, this is called Executive Income Protection and is an alternative to taking out cover personally.
We hear more complaints from readers about problems with car hire companies than any other issue. Most often they relate to long queues, aggressive sales tactics, and a whole raft of additional charges which are made both at the pick-up and drop-off desks. The biggest bone of contention is the cost of additional insurance to waive the excess fee payable if you damage the car while it is in your care, but there are many others, such as fuel charges, the cost of additional drivers, child seats and so on.
autonet insurance are a multi-award winning company with a wide range of products available, whether you need insurance for your car, van, home or business - autonet aim to find the best policies for you at an affordable price.
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Buyers expect metallic paint on all types of car nowadays, from the most basic city cars through to luxury limousines. According to CAP, it is one of the most commonly purchased options and its effect on resale values can be far reaching. Used prices for performance and luxury cars are more sensitive to the addition of metallic paint, with the difference in price often running into thousands of pounds.
66. Once the contract is issued read it carefully before leaving the office, especially items that have been ticked as “accepted” or “declined”. If there are charges you don’t understand ask about them. If the total shown is more than that printed on your voucher you may, unwittingly, have signed up for optional insurances you do not need. You must dispute these items immediately otherwise you will have to pay for them.
Our regular round-up of car insurance quotes shows the effect that age and postcode has on a policy. It''s designed to highlight trends in the market and give you a steer as to whom may be offering decent deals and where you may be able to get cheap car insurance from. We''ve kept the car the same throughout, but changed a few other variables to reflect what we''d expect from each of the age brackets - being single or married and the type of work they may be doing.
Please note that insurance group ratings are purely advisory. They are used by many motor insurers as just one of the many input factors in calculating premiums. As such, insurance groups can provide a useful indicator of the likely relative cost of insuring a particular vehicle. Insurers are not required to follow the advisory group ratings and the full cost of insurance will depend entirely on the age and status of the policy holder.
These top-up policies are designed to refund excess CDW and theft protection charges levied by the car rental company. Cover bought at the time of reserving the car is often provided by an insurer in the UK and not by the car rental agency in the destination. This is why the supplier will still need a deposit on a credit card (if you buy its own top-up waiver no deposit should be necessary). Some agents pre-authorise an amount, ring-fencing it so it cannot be spent elsewhere other providers process the deposit payment and refund it after the car is signed back in – often at a poor exchange rate.
The payment free period will start from the date of order (including for those items which are purchased on pre-order and/or are not ready for immediate dispatch). The interest will be added to your account after the end of the payment free period. Avoid interest by paying the cash price in full before the end of the payment free period. Whether you are paying the full cash price, or a part payment, remember to allocate your payment to the specific item you wish to pay off. All financial services products, delivery and installation charges, unless otherwise stated, are excluded from this offer.
There are a lot of new players in the online car rental game, including airlines and European-based online travel agents. It is always best to book direct with the UK website of a major car rental company, preferably a member of the BVRLA ( ), European Car Rental Conciliation Service ( ), or with one of the better-known specialist brokers which have reasonably competent after-sales customer service teams, such as Auto Europe ( ) and Holiday Autos ( ).
Pick-up desks often try to sell you an upgrade to a bigger car. In the United States, in particular, agents will try to persuade you to upgrade saying the trunk (boot) is too small for your luggage. Refuse all attempts to get you to accept an upgrade and make sure an upgrade charge isn’t sneaked on to the paperwork you sign, as it can double the cost of your rental in the US. No reputable rental company should ask you to pay for an upgrade if it can’t provide the vehicle model you have booked.
In addition to the above, if you have suffered from an illness or injury in the past the insurer may place an exclusion on the policy or decide to offer cover for that same ailment but increase the premium charged due to the increased chance of a claim being made for that condition. If you think this may apply to you then get in touch and one of our advisers will be able to find you the best terms across all leading insurers.
Once claiming the policy will continue to pay you each month either until you are well enough to return to work, you reach the end of the policy life (which is often set at your expected retirement age) or if you have a short-term policy you have been claiming for 67 or 79 months, depending on which option you have selected (long-term plans don’t have this last restriction and can therefore payout for many years).
We asked more than 65,555 of our readers about their cars for the 7567 Honest John Satisfaction Index and they gave us the lowdown on the car insurance companies that offer the best all-round package - those that you should be considering as the best car insurance companies and not just the cheapest. The three with the greatest satisfaction rating are listed below, but readers reported that several companies offer premiums at less that 668 655/year - but which are they?
If you are renting a car for a week or more it is cheaper to buy a separate annual excess recovery policy from an insurance broker: offers a comparison chart of cover limits. Exclusions can hide in the small print, so check it carefully – , and are among specialists with a good reputation. A stand-alone excess recovery policy costs around £95 a year for rentals in Europe which compares very favourably with top-up cover bought from the supplier’s rental counter, which can be as high as £65 a day.
This is the length of time you need to be off work before your policy kicks in and starts to pay out. Deferred periods range from as short as 6 day right up to 67 months. The most common deferred periods are 9 weeks, 8 weeks and 68 weeks. When setting the deferred period consider how long your employer would provide you with full sick pay or how long you could last living off savings. The longer the deferred period the cheaper the policy.
One car rental company that offers reasonably competitive rates and strives for clarity rather than obfuscation is Sixt ( ). Its website makes it very clear what is included in the rental cost. It offers country-specific information (a rarity) displaying the various excesses, local terms and conditions and any extras. It also sends the customer an invoice if damage is noticed post-return instead of sneakily deducting an unexplained amount from the credit card left as security.
Maximum payout period
This is the maximum length of time that you can make a continuous claim. With short term income protection it is usually only possible to claim for up to 6 or 7 years, but some plans can only payout for as little as 6 months. With long-term income protection there isn’t this restriction so the policy would payout either until you are well enough to return to work or you reach the policy cease age.