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Insurance Products from jml Insurance ___________________________________________ Insurance
services from jmlvillas.com in association with jml property insurance.co.uk Car
Rental Excess - Insurance Travel Insurance - Landlord & Tenant Insurance
Products for the UK Market HIRING
A CAR/ RENTING A CAR? Insurance
for car rental for Europe, USA and Canada and worldwide from Insurance4CarHire.com 
Do
you know that the Excess can cost more than the car? This insurance is a great
way to save money and have peace of mind when you rent a car - a great
selection of policies available Do
you know that it could cost you £500 or more for any damage to your rental car?
EVEN IF IT'S NOT YOUR FAULT!! For
a low, annual premium, Insurance4carhire.com provides excess insurance protecting
the customer against excess charges whenever they rent a car.
Your car rental agreement normally includes cover for Collision Damage Waiver
(CDW) and Theft. However you are still liable for the Excess on CDW and Theft.
When a rental car is damaged or stolen, the driver is asked to pay the first portion
of the repair or replacement costs. This is known as the Excess.
Insurance4carhire covers you not only for the total
amount of Excess for which you are liable if the car is damaged or stolen, but
also for damage to the roof and undercarriage of the car, and windows and tyres.
How
our Excess Insurance Works - We insure the Policy Holder, not the rental vehicle.
Excess is a voluntary insurance. Decline the car rental company's Excess cover
at the counter when you collect the car. If the car is damaged or stolen, the
car rental company will charge your credit card for the Excess amount and you
then claim for reimbursement on your Policy. Policies
available for 75 - 85 year olds - Are you over 75 and need car
Rental Excess insurance? New Products now available from insurance4carhire
Details here TYPES
OF POLICIES AVAILABLE Europe:
•
Covers Excess on damage to the rental vehicle including the undercarriage,
Excess on theft, and damage to windows and tyres •
Valid at all European car rental locations • One low, annual premium allows unlimited
use within the 12 month cover period •
Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers named on car rental agreement
Annual
Policy-covering Europe £49 - BUY
HERE 
Top
of Page ___________________________________ Excess
Worldwide 31: •
Covers Excess on damage to the rental vehicle including
the undercarriage, Excess on theft, and damage to windows and tyres
•
Valid at all car rental locations worldwide where Excess is charged (Excess is
not charged in the USA) •
One low, annual premium allows unlimited use within the 12 month cover period
•
Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers named on car rental agreement
Annual
Worldwide Excess cover - 31 days per car rental agreement £65 -
BUY
HERE Top
of Page ___________________________________ Excess
Worldwide 60 •
Covers Excess on damage to the rental vehicle including the undercarriage,
Excess on theft, and damage to windows and tyres
•
Coverage for an extended period of up to 60 days on any one rental agreement •
Valid at all car rental locations worldwide where Excess is charged (Excess is
not charged in the USA) •
One low, annual premium allows unlimited use within the 12 month cover period
•
Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers named on car rental agreement Annual
Worldwide Excess cover - 60 days per car rental agreement £79 -
BUY
HERE Top
of Page ___________________________________ Europe
Family & Partners •
Covers Excess on damage to the rental vehicle including the undercarriage,
Excess on theft, and damage to windows and tyres •
Valid at all European car rental locations •
One low, annual premium allows unlimited use within the 12 month cover period
•
Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers named on car rental agreement •
Cover is for 2 Policy Holders, who must be family members (defined as spouse,
partner, parent, brother, sister, adult child or fiance), travelling together
or separately Annual
Europe Excess Policy covering 2 Family Members - 31 days per car rental agreement
only £79 - BUY
HERE Top
of Page ___________________________________ USA-Canada
CDW/SLI
Take out annual Collision Damage Waiver (CDW) and Supplemental Liability Insurance
(SLI) before you travel and avoid costly insurance charges of as much as US $30
per day, sold at the car rental counter.
• Covers the rented vehicle for CDW/LDW (Collision Damage Waiver/Loss Damage Waiver
= damage, theft and loss of use) up to US$ 80,000
• Supplemental Liability Insurance (SLI) covering third party up to US $1 million
•
Lock-out provision to cover up to US $60.00 for a locksmith
• Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers named on car rental agreement
Annual
policy covering USA and Canada 31 days per car rental agreement only
£109 - BUY
HERE Top
of Page ___________________________________ Combined
CDW/SLI & Excess This
policy covers: CDW/LDW (damage, theft and loss of use of the rental vehicle)and
SLI (third party) in the USA, Canada, the Caribbean and South America: and it
covers Excess charges worldwide. Car rental companies in USA and Canada generally
charge between US$20 and US$30 per day for Collision Damage Waiver (CDW/LDW) and
Supplemental Liability Insurance (SLI). Car rental companies charge up to £12
a day for Excess at the car rental counter
• Covers the rented vehicle in the USA, Canada, South America and the Caribbean
for Collision Damage Waiver (CDW)/Loss Damage Waiver (LDW) up to US$80,000 •
Provides Supplemental Liability Insurance (SLI), in the USA, Canada, South America
and the Caribbean, up to US $1 million •
Covers Excess on damage to the rental vehicle, Excess on theft and damage to windows/glass,
tyres/wheels, the undercarriage and the roof anywhere in the world where Excess
is charged.
• Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers
named on car rental agreement
• Unlimited use within the 12 month cover period Annual
Policy covering SLI & CDW in USA & Canada and Excess worldwide £129-
BUY
HERE Top
of Page ___________________________________ Policies
available for 75 - 85 year olds With
the age of the traveling public increasing, these new policies will help those
aged 75 to 85. •
Covers excess on damage to the rental vehicle including the roof and the undercarriage,
excess on theft, and damage to windows and tyres
•
Valid at all car rental locations in Europe (and worldwide for Excess Worldwide
75-85 policy holders) •
One low, annual premium allows unlimited use within the 12 month cover period
•
Covers the Policy Holder, who must be the person hiring the car, and all additional
drivers named on car rental agreement
Europe
75-85 Cost: £65 - BUY
HERE EXCESS
WORLDWIDE
75-85 Cost: £75 -BUY
HERE ___________________________________ The
above information has been prepared by Insurance 4 Car Hire Agents Ltd of Trans-World
House, 100 City Road, London EC1Y 2BP England Insurance4carhire.com
is a trading name of Towergate Underwriting Group Ltd which is authorised and
regulated by the Financial Services Authority, Register Number 313250. The company
is registered in England and Wales, Company No. 4043759. The Registered Address
is: Towergate House, 2 County Gate, Staceys Street, Maidstone, Kent ME14 1ST.
_________________________________________________________________________________________________ EXTRA
BENEFIT with "Gold" FREE car key insurance
find out more here...  _________________________________________________________________________ Top
of Page April
2007 Insurance4carhire.com is pleased to announce that it has launched a car rental
Excess comparative site The
site shows the Excess amounts charged by the major car rental companies, as well
as the daily rates they charge to reduce the Excess.
The information
was compiled during April 2007 by Insurance4carhire
staff calling each car rental company's airport location at the international
airport in the capital city of each country – more than 180 locations in
total - and the costs are based on the daily cost of excess for a compact size
car.
The survey was conducted in more than 30 countries across Europe,
South Africa, New Zealand, Australia, USA and Canada. The car rental companies
surveyed are: Alamo, Avis, Budget, Europcar, Hertz and National It
clearly and simply shows the consumer: What
their exposure is to Excess on their rental – information that is often hidden
and very difficult to get even when you call the car rental location
ADVICE
ON CAR RENTAL Before
you leave home - Ensure
thay you are carrying both your picture and paper driving licences. The paper
licence is essential as it shows any endorsements you may have. When
you collect the car: - Check
the vehicle for damage
- Check
the spare tyre
REMEMBER:
- Most
car rental locations require a credit card
- Most
car rental locations will not accept debit or switch cards
- You
must have held a valid driving licence for one year
- British
licence holders should note that many car hire outlets will not release the rental
vehicle on sight of a photocard driving licence without also seeing the paper
licence counterpart.They may also ask to see the paper licence counterpart of
all named drivers.
- Always
ask what is included in the rates quoted
- Never
initial or sign an agreement without asking about each item
- Do
not over insure. If you have travel insurance you do not need personal effects
or personal accident insurance
- Pre-purchase
or Pre-reserve your car rental
- Purchase
from agents within your own country in case you need refunds or assistance
- When
you pick-up your vehicle determine where the drop off point is for your return
- Ask
if the return area has an attendant. If not, who do you return the car to?
- If
you leave the vehicle without check-in, examine it for damage and photograph it
from every angle.
- Drink
drive laws vary from country to country - for example in Italy if you have a glass
of wine and a grappa with dinner and you are stopped by the police - you will
be fined.
- Know
your speed limits - these vary from country to country.
- Speed
/ Radar cameras certainly apply to rental cars as well! The rental company will
be notified and the renter contacted by the authorities. Speed traffic camera
information is now being sent from one country to another. e.g. someone caught
speeding with a French registered car in Italy will find that the fine will be
reported to the French authorities if it is not paid.
- Check
with the Hire company if you can take the car out of the country you are renting
in.e.g. Going from France into Italy or if renting in Ireland can you take the
car into Northern Ireland or into the Republic of Ireland.
The
above information has been prepared in association with information from Insurance
4 Car Hire Agents Ltd Drink
Drive laws in Italy Update.
Italy Magazine's March 2009 edition reports that the new Codice della Strada (The
Highway Code) has stated that if you drink more than three glasses of wine or
more than one brandy you will not pass Police alcohol tests. Apart from having
the driving license suspended up to a year, the vehicle can also be confiscated
and sold by the state. Top
of Page At
the World Travel Awards 2005 insurance4carhire won:
World’s Leading Innovative Ecommerce Travel Product, for the second year Additional
Warning: Many car hire companies encourage the hirer to return the car empty.
If you were to refill this yourself before taking it back, it is more than likely
it would cost you less than the fuel deposit you paid when you took out the rental.
If
you are renting a car via a company like Holiday
Autos you will be provided with a voucher that you will have paid for in advance
on line. You
then present the voucher to the car rental company. Some car hire companies will
"swipe" your credit card so the details are stored on their computer,
but will not actually debit your card at that stage. This is rather like when
you book into a hotel. They
are taking your card details in case of accident, or any additional charges that
are levied at the end of the rental like - out of hours collection - fuel charges
- insurance etc. Other
companies will immediately debit your card as either they do no have this "swipe"
and store facility or it is their policy to debit the account to cover a deposit,
fuel charge etc. The downside to this is, if you are in a different currency e.g.
renting in a "euro" currency country, but coming from the UK, Switzerland
or the USA for example, your bank back home will charge for the conversion onto
your card. On top of this exchange rates vary, so when you return the car and
they "credit" your card again apart from being charged an exchange commission
by your card/bank provider, the rate of the dollar, euro, Swiss franc might have
gone
up or down. Unfortunately
there is nothing you can do about this and the system does vary from company to
company. Top
of Page
See
also: Renting
a Car Can Prove More Expensive Than Originally Budgeted For Annual
Car Rental Insurance Renewal is here again Car
Rental Excess Insurance.
Version
Française
----------------------------------------------------
Travel
Insurance Holiday
travel insurance - Holiday
delayed?
- Missed
departure?
- Lost
your passport?
- Personal
money stolen?
- Damaged
your ski equipment?
- Personal
Accident?
These
are just a few of the problems you could encounter on a holiday trip. Have
you taken out travel insurance? Great
Value Travel Insurance from jml in association with 
SEE:
Direct
Travel Insurance awarded a 5 star rating by Defaqto Advice
for backpackers as 1 in 3 experience crime or emergency Take
advantage of early bird ski offers travellers advised Direct
Travel Insurance now insures Channel island residents Gap
year travel is more popular during the credit crisis says Direct Travel Insurance
_____________________________________________
Landlord
& Tenant Insurance Products for the UK Market Whether
you are a Landlord or Tenant you will have your reasons for Rental accommodation. Many
people concentrate on either finding a property to rent or making sure their property
is let out. What a lot of people still tend to overlook is the fact that whether
they are property owner or the person renting they
must have adequate insurance. Are
you aware that - Some tenants
might be surprised to know that their landlord cannot be responsible for insuring
their possessions, or that they could even be liable for any damage they cause
to the landlord’s goods. Are
you aware that – Finding
specialist insurance for rental properties can sometimes be a challenge? All too
often, landlords find their property (a most expensive asset) is not adequately
covered by standard insurance policies. Landlord insurance from a specialist provider
is different. It provides the most comprehensive property insurance there is solely
for the rental market
Homelet
and Letsure are both
very well established brand names. You can find out more and obtain a quote/purchase
a policy on line by clicking on the logos Click
Here for Premier Homelet Specialist Landlord & Tenant Insurance - Instant
Online Quote Homelet
is a trading style of Hanover Park Commercial Services Ltd, Phoenix House, 11
Wellesley Road, Croydon, Surrey CR0 2NW, England who are authorised and regulated
by the Financial Services Authority in the UK. Their FSA Register number is 308724.Jeffrey
Milner Ltd T/A jml Property Services acts as introducers to Homelet  Remember:
Homelet Tenants insurance
policies are portable so if you move from one part of the country you can take
it with you. Contact Homelet for conditions. ----------------------------------------------
Holiday
Home Insurance The
revival of UK Holidays, low mortgage rates and extra leisure time has meant more
people are buying second homes. If your additional property is your second home
or an investment, they
have one thing in common - the need for specialist insurance. Why
do I need Holiday Home Insurance? If
you own or are purchasing a holiday home in the UK then most standard household
insurance policies will not protect rented property You
therefore need to a specialist policy for your holiday home property that is designed
exclusively for properties used as holiday homes or let for holiday use. As an
owner of a holiday home, it is vital that you fully understand the extent and
limitations of your insurance policy. What restrictions are in place when letting
and unoccupancy etc? Do you have cover for public liability or loss of use? Click
On Logo for ___________________________________________________
See
also Insurance4carhire.com Press Releases + Blog notes...... Renting
a car close to home, can I buy car hire excess insurance? Blog July 09 Drivers
Down Under Hit by biggest Car Hire Excess Charges – Don’t go the distance without
protection, warns INSURANCE4CARHIRE.COM - Excess charges incurred by drivers in
Australia disproportionately high compared to other motorists - June 2008 Drivers
Abroad are stumped by hefty Car Rental Excess costs, but could save £££’s on the
holiday budget with an annual policy - April 2008 Confusing
car rental jargon, unclear insurance policies and excessive excess – The Big 3
pitfalls that can leave you out of pocket when hiring a car on holiday, warns
Insurance4car.com - April 2008 Age
no barrier to protection for older drivers – Low cost excess waiver policy helps
over 75s stay on the Road - March 2008 Brits
set to get stung this Easter with Sky-High excess insurance costs – EU car rental
firms cash in on UK drivers with massive excess charges - March 2008 insurance4car
hire.com - March 2008 Brits
go holiday crazy reckons major survey – but Insurance4carhire.com says watch out
for excess car hire charges - March 2008 Trusting
travelers tripped up by Holiday Car Hire pitfalls – Wise up or pay up, says Innsurance4carhire.com
- March 2008 The
Great Excess Insurance rip-off - EU Car Rental firms fleece Brit drivers with
massive excess Penalties - February 2008 Towergate
Partnership announces the acquisition of Insurance 4 Car Hire Agents Ltd - January
2008 Lower
prices for car hire excess insurance from December - December 2007 Annual
Car Rental Insurance Renewal is here again - October 2007 ___________________________________________________
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