Insurance



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All you need to know about your Insurance policy...

Insurance during your hire

Thankfully accidents are rare! We would all prefer it if accidents never happened... but sadly they do & the consequences of even a minor accident in a motor vehicle can be very costly. Sometimes damage occurs which is not even your fault - but whilst the vehicle is hired to you it remains your responsibility.

The truth is you are probably more likely to have an accident when you are driving an unfamiliar vehicle so it is important to understand what you are responsible for.

We know some car rental companies have a poor reputation when it comes to damage.. At Robinson Goss the emphasis is always on fairness. Our promise to you is that we will always seek to minimise the cost of such damage, however... a new windscreen in one of our vans could cost £500 or more, a wing mirror over £120, tyres can be over £100 each or a simple parking scrape £hundreds.

Please read the details below and if you would like to take the best available cover please opt for our Collision Damage Waiver which significantly reduces your responsibilities in the event of damage to your hire vehicle. If you are comfortable with our standard cover, remember that this is already included in the prices on our website!

Thanks!



Insurance - Who is eligible?

To use our insurance, drivers must be between the ages of 25-69, have held a full UK driving licence for 2+ years, which they must produce in person when collecting the vehicle.   
           
NON-UK Licence Holders

Non UK licence holders must provide their own insurance, or accept a £1000 excess (deductible). Remember that this excess may be covered by your travel insurance provider or credit card.


Basic Cover

-for drivers not qualifying for standard cover

In some cases Hirers who do not qualify to use our Standard Cover may be able to use our basic cover. In this case the hirer accepts an insurance excess of £1000 for most types of damage caused to or by the vehicle (however caused) from the start of their hire to the time it is checked over by a member of our staff on return. If you are outside of our usual driver age limits (25-69) or do not hold a clean UK driving licence we may be able to approve you to drive with basic cover. This needs to be pre-aranged with our insurers so please call or discuss with us at the time of booking if you might not reach our insurance criteria.

✓ £1000 excess Collision Damage

The following items are not covered by our standard insurance and hirers are responsible for the full costs incurred;

X no cover - Wing mirror damage
X no cover - Windscreen / glass damage
X no cover - Tyre / wheel damage
X no cover - Overhead / underbody damage
X no cover - Negligence (for instance using the wrong fuel / interior damage)
X no cover - Loss of or damage to keys and any consequential costs
X no cover - Costs of damage to property not covered by our insurance
 

Standard Cover

-included in our prices for all qualifying hirers

Hirers who qualify to use our standard cover accept an insurance excess of £500 for most types of damage caused to or by the vehicle (however caused) from the start of their hire to the time it is checked over by a member of our staff on return.

✓ £500 excess Collision Damage

The following items are not covered by our standard insurance and hirers are responsible for the full costs incurred;

X no cover - Wing mirror damage
X no cover - Windscreen / glass damage
X no cover - Tyre / wheel damage
X no cover - Overhead / underbody damage
X no cover - Negligence (for instance using the wrong fuel / interior damage)
X no cover - Loss of or damage to keys and any consequential costs
X no cover - Costs of damage to property not covered by our insurance
 
 

Collision Damage Waiver (CDW)

-optional extra

Qualifying drivers may opt to take our Collision Damage Waiver (CDW). Our CDW offers some of the most comprehensive Self Drive cover on the market covering accidental damage to;

✓ £50 excess Wing mirror / mirror glass per side
✓ £50 excess Windscreen / glass per window
✓ £50 excess Collision damage per incident
✓ £50 excess Tyre / wheel damage per wheel

The CDW does not cover deliberate malicious or negligent damage, or  the following;

X no cover - Interior damage
X no cover - Overhead / underbody damage
X no cover - Damage caused by use of the wrong fuel
X no cover - Loss of or damage to keys and any consequential costs
 
CDW rates for cars up to 7 seats £7 per day, £35 per week
CDW rates for other vehicles £14 per day, £50 per week on all other vehicles.

Customers Own Insurance (COI)

-arranged by the hirer

Hirers who have a suitable fully comprehensive insurance policy in place (such as their Company Fleet insurance policy, or another policy which covers hire vehicles in their posession) should provide a copy of the certificate on collection and these details will be included on their rental agreement. In this case the insurance terms will be according to their own policy.
 

Hires leaving England Scotland & Wales

Our Insurance and Breakdown cover is not valid outside mainland England, Scotland & Wales, unless we know about your journey in advance and you have our written authorisation. Your excess will be £1000 and cannot be covered by CDW. We are happy to quote you for these hires and offer competitive rates on a POA basis. Please note this also applies to Ireland, ROI and Channel Islands!  We will accept proof of cover if you want to organise this for yourself.


Insurance - Exclusions

We cannot insure some drivers on our insurance. These include younger or older or inexperienced drivers, disqualified drivers, drivers with too many points on their licence, and some foreign licence holders. Please contact us before you book if you are not sure.

We cannot insure some vehicles on our insurance. These include vehicles over 3.5 tons and tow vehicles or trailers.

The following items cannot be insured, and hirers are responsible for full costs incurred; damage above cab height, interior damage (seats, roof etc), damage caused by abuse, maliciously, or by negligence - i.e. using the wrong fuel type and incidents involving keys. 

Information on this page is not contractual or legally binding and is shown for general information purposes. We may or may not be able to hire to you or insure a vehicle for you and other insurances may or may not cover you or a vehicle. Insurance cover must always be shown to be in place by production of documents specific to the hire, unless we are providing cover included in the hire.