car rental excess insurance

If you are charged with an excess as a result of a car rental damage, this insurance offers proper benefits:

  • applicable to all motor vehicles, motor cycles or motorhomes offered by a professional car rental agency
  • insurance coverage for you (as partner of the car rental contract) as well as for all persons mentioned as drivers in the contract
  • maximum term insured: 93 days
  • worldwide
  • no age limit

For full infomation on details, please see "benefits".

car rental excess insurance
  motor vehicle & cycle camper + motorhome
premium
per day
3 € 6 €
amount insured 2,000 € 5,000 €
The amount insured mentioned above is the maximum benefit for all damages caused during the insured period of car rental.
maximum period of insurance: 93 days

application of product:

  • maximum term insured: up to 93 days
  • valid: worldwide
  • vehicles covered: motor vehicles, motor cycles or motorhomes offered by a professional car rental agency
  • change of vehicle: in case a change of vehicle becomes necessary within the insured period, insurance covergage automatically will be transferred to the new vehicle
  • persons insured: partner of car rental contract as well as all drivers named in the contract 
  • age: no age limit
  • amount insured: up to 2,000 € (motor vehicles + motor cycles), up to 5,000 € (camper + motorhomes). The amount insured is the maximum benefit per policy (not per damage)
  • booking period: at any time until takeover of the vehicle

benefits:

  • refund of an excess charged by the car rental agency of insurance company and paid by the insured person as a result of a damage
  • no deductible

benefits

insured events:

  • damages to the vehicle or to parts firmly connected to the vehicle due to damage, destruction or loss of the leased vehicle, covered by a valid insurance on hull or theft loss waiver

damages:

  • fire or explosion
  • Theft or unauthorized use by other persons, robbery or embezzlement.
    wurde, ist von der Versicherung ausgeschlossen.
  • direct impetus of storm, thunderstorm, hail or flood to the vehicle 
  • collision of the vehicle in use with an animal
  • accident
  • breakage of vitrifaction of the vehicle 
  • damage to the cable system by electrical short
  • damage to or destruction of tires as a result of an event, which has caused further insured damage to the vehicle

benefits:

  • refund of an excess charged by the car rental agency or an insurance company as a result of an insured event
  • maximum amount of refund: 2,000 € (motor vehicles + motor cycles) or 5,000 € (camper + motorhomes) per policy

how to make a claim (car rental excess insurance)

Please consider in case of a claim:

  • immediately report a damage to the car rental company and ask for a written confirmation of your report 
  • damages caused by criminal act of third parties must be reported immediately to the next police station
  • please avoid any kind of additional damage or costs 
  • please report the damage immediately - at the latest after end of your journey -  to the insurer
  • please allow and make possible any kind of examination of the damage by the insurer

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT), damage notice, original documents issued by the car rental agency, police or insurance company.

contact:

  • Please keep your policy number ready when calling the emergency phone number (country code for Germany usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg