Car Hire Insurance: Any Finnish companies cover this?

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Cod
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Location: Espoo

Car Hire Insurance: Any Finnish companies cover this?

Post by Cod » Tue Jan 03, 2017 9:25 pm

Hi,

Has anyone managed to get OP, or IF etc to cover your hire car insurance excess when you travel?

What do I mean?

I mean like these guys:

http://www.insurance4carhire.com/
This can be upwards of £1000 meaning if you're involved in an accident, you'll have to pay a contribution to cover the damage. With an annual car hire excess insurance policy from insurance4carhire, you're able to reclaim the excess you'd have to pay in the unfortunate event of an accident or your car being stolen.

I can use icarinsurance.com etc but was wondering if anyone had used a local insurance broker / firm - since I've found dealing with Finnish insurance companies pretty good.

For note, the downside of this approach is that you need a pretty solid credit card limit - as you'll get a bunch of credit ring-fenced by the car hire companies to cover their maximum excess, so when are hiring, then flying and hiring again - ie hiring from multiple companies, you need enough credit to cover multiple ringfencing (or so it seems).

Thanks in advance,
David
Last edited by Cod on Sat Jan 07, 2017 5:39 pm, edited 1 time in total.



Car Hire Insurance: Any Finnish companies cover this?

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User avatar
Cod
Posts: 999
Joined: Thu Jan 22, 2004 9:51 pm
Location: Espoo

Re: Car Hire Insurance: Any Finnish companies cover this?

Post by Cod » Sat Jan 07, 2017 5:17 pm

..update.

Seems icarhireinsurance is still a pretty good deal despite cheesy website which gives the impression that these guys aren't so professional..(happens to the best of us)

https://www.icarhireinsurance.com/#0

..some comments made here..

http://www.pallontallaajat.net/pt3/kesk ... ic=32860.0

and actual policy summary is here..

file:///C:/Users/Admin/Desktop/2016-09_ichi_car_hire_kfpw_vawppc_nl.pdf


Rosamunda
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Joined: Fri Jan 02, 2004 12:07 am

Re: Car Hire Insurance: Any Finnish companies cover this?

Post by Rosamunda » Sat Jan 07, 2017 10:13 pm

I think that's the one I use. I have an annual subscription. Claimed once for a windscreen. No problems.


PJG
Posts: 91
Joined: Tue Jun 28, 2016 10:13 pm

Re: Car Hire Insurance: Any Finnish companies cover this?

Post by PJG » Sun Jan 08, 2017 1:33 am

http://www.insurance4carhire.com/europe ... -insurance

Looked at their website and under the 'What's not covered' it says:

"Policyholders who are not residents of the UK, The Netherlands, France, Spain, Italy, Republic of Ireland or Germany."

With a larger claim, you may find your cover is actually not valid.

I'd check it out more carefully if I were you...


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Cod
Posts: 999
Joined: Thu Jan 22, 2004 9:51 pm
Location: Espoo

Re: Car Hire Insurance: Any Finnish companies cover this?

Post by Cod » Sun Jan 08, 2017 7:08 am

Thanks PJG.

The good news is that icarhireinsurance covers Finnish residents.

The one you mention doesn't.

Prices are comparable.

Other upside is that the icarhireinsurance covers windscreen, punctures, illness, lost keys, some personal item theft etc - and all for less than what car hire charge for basic Super CDW etc.

Amazingly, neither Autoliito nor Finnish travel journalism up to this day suggest this as an option for hiring abroad - just the usual sighing of how expensive Super CDW, LDW etc taken from hire company can be.


Rosamunda
Posts: 10609
Joined: Fri Jan 02, 2004 12:07 am

Re: Car Hire Insurance: Any Finnish companies cover this?

Post by Rosamunda » Sun Jan 08, 2017 11:11 am

And if you choose not to take excess cover, 'they' will do everything than can to find a scratch on your car because that is cash in the pocket for the car hire companies.


User avatar
Cod
Posts: 999
Joined: Thu Jan 22, 2004 9:51 pm
Location: Espoo

Re: Car Hire Insurance: Any Finnish companies cover this?

Post by Cod » Sun Jan 08, 2017 9:27 pm

..which is why getting cover before you leave, having read the terms in peace and quiet well in advance is a great idea , I reckon .


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