"Acts of God"

Towards the end of June, you may have heard news about "Hailstones the size of golf balls damage car windscreens and bodies as storms hit Leicestershire" and may have been left wondering, "What would happen if this happened and damaged my hire car?"

An Act of God is generally defined as "an instance of uncontrollable natural forces in operation" (Oxford English Dictionary). In the most extreme sense, this could take the form of a hurricane, flood or earthquake. However, more moderate acts, such as the freak hail mentioned above can still come under this category. Insurance4carhire.com would like to shed some more light on these so called "Acts of God".

The first piece of advice we would give is always check the small print. Some car hire companies will cover "Acts of God" or "acts of nature" in their standard agreements and some won't. As rare as these unforeseen events are, it's always worth checking, and even asking the staff at the rental desk the question.

As unfortunate as it seems, many car hire firms will deem any "Act of God" to be your fault, and therefore you will be liable for the excess charge (if their insurance covers it) or full repair (if their insurance does not). And remember, most rental companies don't cover damage to the windows, roof, undercarriage and tyres.

Your insurance4carhire.com policy does cover damage to the windows, roof, undercarriage and tyres. If any of these parts of the car are damaged by an "Act of God", your policy will cover the cost of the repair (up to £4000 per claim, £5000 during any one period of insurance). And if your rental car is damaged and it is covered by your standard car hire agreement (for example, the bumpers) then you will be liable for the excess payment, and insurance4carhire.com will reimburse this cost.

Full Guardian article: Freak hail storm drives insurance claims

Customer Testimonials

"Excellent insurance cover and you are a very efficient organisation"

M Turner

"I am a happy customer and recommend you to all my friends and colleagues"

B Dunphy

"My claim was settled super efficiently with the minimal effort"

I Porter

"We’ve had a policy for 2 or 3 years now and it’s brilliant.  You dealt with our claim quickly and efficiently"

T Cochrane

"Great service. I shall have no hesitation in using your services and products on future trips"

P Impey