Vehicle Hire Excess / Deposit Reimbursement Insurance

Cover is only available if you are a resident of the Republic of Ireland.

If you are renting an insured vehicle for use within your home country, you must also have

at least 2 nights pre-booked accommodation.

Contents

	Page
Important telephone numbers	1
Summary of cover	2
Important information	2-3
Definition of words	3-4
General exclusions	5
Conditions	5
Making a claim	6
Making a complaint	6
Section 1 – Excess / Deposit reimbursement	7
Section 2 – Personal possessions	8
Section 3 – Rental vehicle key cover	8

Important telephone numbers

Customer Services:	+353 1 637 3696
Claims:	+353 1 637 3694

Summary of cover

The following is only a summary of the main cover limits. You should read the rest of this policy for the full terms and conditions.

Cover	Limit (up to)
1 Excess / Deposit reimbursement    - Excess / deposit charged by hire company    - Roof of the vehicle    - Windows, windscreen or glass in sunroof    - Undercarriage    - Tyres	€3,000 each claim €3,000 €600 €800 €500 €100 / tyre for replacement or €50 repair / flat tyre
2 Personal possessions    - Single article limit	€300 each claim €150
3 Rental vehicle key cover	€550 each claim

Important information

Thank you for taking out Vehicle Hire Excess / π

Insurer
Your Vehicle Hire Excess / Deposit Reimbursement Protection Insurance is underwritten by AGA International SA and is administered in the Republic of Ireland by Allianz Global Assistance.

How your policy works
Your policy and policy schedule is a contract between you and us. We will pay for any claim you make which is covered by this policy and happens during the period of insurance.

Unless specifically mentioned, the benefits and exclusions within each section apply to each person insured.

Certain words have a special meaning as shown under the heading ʻDefinition of wordsʼ. These words have been highlighted by the use of bold print throughout the policy document.

Telling us about relevant facts
Before you travel you must tell us about anything that may affect your cover. If you are not sure whether something is relevant, you must tell us anyway. You should keep a record of any extra information you give us. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.

Cancellation rights
If your cover does not meet your requirements, please notify us within 14 days of receiving your policy schedule and return all your documents for a refund of your premium.

You can contact us at Allianz Global Assistance, 511 Q House, Furze Road, Sandyford Industrial Estate, Dublin 18 or telephone +353 1 637 3696.

If during this 14 day period you have travelled, made a claim or intend to make a claim then we can recover all costs that you have used for those services.

Please note that your cancellation rights are no longer valid after this initial 14 day period.

Data protection
Information about your policy may be shared between your rental agent, us and the insurer for underwriting and administration purposes.

You should understand that the information you provide will be used by us, our representatives (if applicable), the insurer, other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited or no data protection laws). We have taken steps to ensure your information is held securely.

Your information may be used by us, the insurer and members of The Allianz Global Assistance Group and shared with your rental agent for marketing and research purposes or to inform you from time to time about new products or services. If you do not want to receive marketing information please write to us at Allianz Global Assistance, 511 Q House, Furze Road, Sandyford Industrial Estate, Dublin 18. Your request will then be forwarded to the insurerʼs UK branch at Allianz Global Assistance, 102 George Street, Croydon CR9 6HD, United Kingdom. You have the right to access your personal records.

Financial Services Compensation Scheme (FSCS)
For your added protection, the insurer is covered by the UK FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim.

Insurance cover provides protection for 90% of the claim, with no upper limit.

Further information about the compensation scheme arrangements is available from the FSCS, telephone number UK +44 800 678 1100 or UK +44 20 7741 4100, or by visiting their website at www.fscs.org.uk.

Governing law
Unless agreed otherwise, Irish law will apply and all communications and documentation in relation to this policy will be in English. In the event of a dispute concerning this policy the Irish courts shall have exclusive jurisdiction.

Third party rights
This contract of insurance is intended solely for the benefit of you and us. Unless otherwise specifically provided, nothing in this contract of insurance shall be construed to create any duty to, or standard of care with reference to, or any liability to, any person or entity not a party to this contract of insurance.

Definition of words

When the following words and phrases appear in the policy document or policy schedule, they have the meanings given below. These words are highlighted by the use of bold print.

Area of cover
Worldwide (excluding Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Burma, Sudan and Zimbabwe). Note: If you are renting an insured vehicle for use within your home country, you must also have at least 2 nights pre-booked accommodation.

Damage
Damage to the insured vehicle caused by fire, vandalism, accident or theft occurring during your rental period.

Excess / Deposit
The amount stated in your rental agreement that you are responsible for in the event of damage to the insured vehicle.

Home
Your usual place of residence in the Republic of Ireland.

Insured vehicle
The vehicle owned by a licensed rental company or agency, which you have agreed to hire from them according to the terms of your rental agreement. The vehicle must:

·	be no more than 10 years old;
·	have no more than 9 seats;
·	not be driven off a Public Highway;
·	not be a motor home, campervan, commercial vehicle, minibus, motorcycle or moped;
·	have a retail purchase price of less than €70,000.

Insurer
AGA International SA.

Pair or set
A number of items of possessions that belong together or can be used together.

Period of insurance
The cover for all sections starts at the beginning of your rental period and finishes at the end of your rental period. All cover ends on the expiry date shown on your policy schedule.

Personal money
Cash, cheques, postal and money orders, current postage stamps, travellersʼ cheques, coupons or vouchers which have a monetary value, admission tickets and travel tickets.

Personal possessions
Each of you suitcases, trunks and similar containers (including their contents) and articles worn or carried by you (including your valuables and passport).

Rental period
The dates you have arranged to hire the insured vehicle, as confirmed on your rental agreement.

-	You will only be covered if you are aged between 21 and 74 at the date your policy was issued.
-	Any other trip which begins after you get back is not covered.
-	A trip which is booked to last longer than 62 days is not covered.
-	If you are renting an insured vehicle for use within your home country, you must also have at least 2 nights pre-booked accommodation.

Resident
A person who has their main home in the Republic of Ireland and has not spent more than six months abroad during the year before the policy was issued.

United Kingdom (UK)
England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Valuables
Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.

We, our, us
Mondial Assistance Ireland Limited trading as Allianz Global Assistance who administer the insurance and forward claim forms to the insurerʼs UK branch, and Mondial Assistance (UK) Limited also trading as Allianz Global Assistance, who administer the insurance and handle claims on behalf of the insurer.

You, your, person insured
Each person shown on the policy schedule who is authorised to drive the insured vehicle and for whom the appropriate insurance premium has been paid.

General exclusions

The following exclusions apply to the whole of your policy:

We will not cover you for any claim arising from, or consisting of, the following:

1	A relevant fact that you knew about before you travelled, unless we agreed to it in writing.
2	War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil commotion, rebellion, revolution, insurrection, military force, coup dʼetat, terrorism, weapons of mass destruction.
3	Any epidemic or pandemic.
4	You not following any suggestions or recommendations made by the Department of Foreign Affairs, World Health Organisation or any government or other official authority during the period of insurance.
5	Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
6	Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
7	Any currency exchange rate changes.
8	The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date.
9	You acting in an illegal or malicious way.
10	Any loss caused as a direct or indirect result of anything you are claiming for, for example loss of earnings, unless it says differently in the policy.
11	Any damage covered by your vehicle rental agreement.
12	Any damage that occurs as a result of your use of alcohol or drugs (other than drugs prescribed by a medical practitioner).

Conditions

The following conditions apply to the whole of your policy. Please read these carefully as we can only pay your claim if you meet these:

1	You are a resident of the Republic of Ireland.
2	You take reasonable care to protect the insured vehicle and your property against accident, injury, loss and damage and act as if you are not insured and to minimise any potential claim.
3	You have a valid policy schedule.
4	You accept that we will not extend the period of insurance if the original policy plus any extensions have either ended, been in force for longer than 62 days or you know you will be making a claim.
5	You contact us as soon as possible with full details of anything that may result in a claim and give us all the information we ask for. Please see section ʻMaking a claimʼ for more information.
6	You accept that no alterations to the terms and conditions of the policy apply, unless we confirm them in writing to you.
7	You are not aged 20 or under and 75 or over at the date your policy was issued.

We have the right to do the following

1	Cancel the policy if you do not tell us about a relevant fact or if you tell us something that is not true, which influences our decision as to whether cover can be offered or not. A full premium refund will be given and depending on the circumstances we may report the matter to the Gardai.
2	Cancel the policy and make no payment if you make a fraudulent claim. We may in these instances report the matter to the Gardai.
3	Only cover you for the rental period and not issue a policy if you have already started your rental period.
4	Take over and deal with, in your name, any claim you make under this policy.
5	Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms, which will help us to recover any payment we have made under this policy.
6	Only refund or transfer your premium if you decide that the policy does not meet your needs and you have contacted us within 14 days from the date you receive your policy and policy schedule. We can recover all costs that you have used if you have travelled or made a claim or intend to make a claim.
7	Not to pay any claim on this policy for any amounts covered by another insurance. In these circumstances we will only pay our share of the claim.
8	If you cancel or cut short your rental period all cover provided on your policy will be cancelled without refunding your premium.
9	Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.

Making a claim

To claim, please visit the website www.azgatravelclaims.com. This will lead you to our online claims notification service where claim forms can be obtained immediately via email or by downloading directly from the site.

Alternatively, please phone +353 1 637 3694 and ask for a claim form or write to: Allianz Global Assistance, Claims Department, 511 Q House, Furze Road, Sandyford Industrial Estate, Dublin 18. Your claim form will then be forwarded to the insurerʼs UK branch for assessment at Allianz Global Assistance, Vehicle Hire Excess / Deposit Reimbursement Protection Insurance Claims Department, PO Box 1900, Croydon CR90 9BA or email travel.claims@allianz-assistance.co.uk.

You should fill in the form and send it to us as soon as possible with all the information and documents we ask for. It is essential that you provide us with as much detail as possible to enable us to handle your claim quickly. Please keep photocopies of all information you send us.

You will need to obtain some information about your claim while you are away. Below is a list of the documents we will need in order to deal with your claim.

For all claims

·	Your original policy schedule, rental agreement and travel documents showing the dates and times of travel.
·	Original receipts and accounts for all expenses you have to pay.
·	Original bills or invoices you are asked to pay.
·	Details of any other insurance you may have that may cover the same loss.
·	As much evidence as possible to support your claim.
·	A copy of the driving licence of the person driving the insured vehicle at the time of the accident.

Excess / Deposit reimbursement

·	Detailed account of the circumstances surrounding the event, including photographs and video evidence (if this applies).
·	Full details of any witnesses, providing written statements where available.
·	Detailed account of the circumstances that led to the damage of the insured vehicle, including where appropriate a written police report.

Personal possessions and Rental vehicle key cover

·	Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written police report.
·	If appropriate, you should also report the theft, damage or loss to your courier or hotel / apartment manager and ask for a written report.
·	Original receipts, vouchers or other suitable evidence of purchase / ownership / value for lost, stolen or damaged personal possessions.
·	Keep any damaged items as we may need to inspect them. If we make a payment, or we replace an item, the item will then belong to us.
·	Obtain an estimate for repair for all damaged items.

Making a complaint

We aim to provide you with a first class policy and service. However, there may be times when you feel we have not done so. If this is the case, please tell us about it so that we can do our best to solve the problem. If you make a complaint your legal rights will not be affected.

In the first instance, please:

Write to:	Customer Support, AGA International SA, C/O Allianz Global Assistance, 102 George Street, Croydon, CR9 6HD
Telephone:	UK +44 20 8603 9853
Email:	customersupport@allianz-assistance.co.uk

Please supply us with your name, address, policy number and claim number where applicable and enclose copies of relevant correspondence as this will help us to deal with your complaint, in the shortest possible time.

If you are not satisfied with our final response you can refer the matter to the UK Financial Ombudsman Service for independent arbitration.

Section 1 – Excess / Deposit reimbursement

WHAT YOU ARE COVERED FOR

We will pay up to €3,000 in total for the following if the insured vehicle is accidentally damaged, involved in an accident or stolen during the rental period.

·	Up to €3,000 for reimbursement of the accidental damage excess/deposit applied to your vehicle hire insurance;
·	Up to €600 for damage to the roof;
·	Up to €800 for damage to the windscreen, windows or sunroof glass;
·	Up to €500 for damage to the undercarriage;
·	Up to €100 for damage to each tyre that needs replacing or up to €50 for each tyre that can be repaired.

WHAT YOU ARE NOT COVERED FOR

Any claim where you have not followed the terms of your rental agreement.
Damage to the insured vehicle interior.
Mechanical failure of the insured vehicle.
Misfuelling.
General wear and tear.


Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Section 2 - Personal possessions

WHAT YOU ARE COVERED FOR

Up to €300 in total for your personal possessions damaged following attempted theft or stolen from the locked boot or covered luggage area or glove box of the insured vehicle, during your rental period.

There is also a single article, pair or set limit of €150.

WHAT YOU ARE NOT COVERED FOR

More than the part of the pair or set that is stolen, or damaged.
More than €50 for tobacco, alcohol, fragrances and perfumes.
Breakage of or damage to:
sports equipment while it is being used, fragile articles, audio, video, computer, television, fax and phone equipment.
Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or vermin.
The cost of replacing or repairing false teeth.
A claim for more than one mobile phone per person insured.
Loss or theft of, or damage to, the following.

-	Items for which you are unable to provide a receipt or other proof of purchase
-	Films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs, video and audio tapes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
-	Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
-	Contact or corneal lenses, unless following fire or theft.
-	Bonds, share certificates, guarantees or documents of any kind.
-	Personal possessions unless they are on your person, or they are out of sight in the locked boot or covered luggage area or glove box of the insured vehicle.
-	Personal money.

Section 3 - Rental vehicle key cover

WHAT YOU ARE COVERED FOR

We will pay up to €550 in total to replace the insured vehicle keys if these are lost, stolen, or damaged during the rental period. This will also include where necessary the costs to replace locks or for a locksmith to break into the insured vehicle.

WHAT YOU ARE NOT COVERED FOR

Any claim where you have not followed the terms of your rental agreement.
Damage to the insured vehicle interior.
Mechanical failure of the insured vehicle.
Misfuelling.
General wear and tear.



Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

This policy is available in large print, audio and Braille.

Please contact us on
Phone +353 1 637 3696
Textphone UK +44 20 8666 9562

and we will be pleased to organise an alternative for you.

Vehicle Hire Excess / Deposit Reimbursement Protection Insurance is underwritten by AGA International SA and
administered as a branch in the UK by Allianz Global Assistance. Allianz Global Assistance is a trading name of
Mondial Assistance (UK) Limited, Registered in England No 1710361
Registered Office Allianz Global Assistance, 102 George Street, Croydon CR9 6HD.

AGA International SA is authorised by Autorité de Contrôle Prudentiel in France and is regulated by the
Central Bank of Ireland for the conduct of Irish Business by way of the Freedom of Services into Ireland
in accordance with the European Union Third non-life directive.

Mondial Assistance Ireland and Mondial Assistance (UK) Limited who both trade as
Allianz Global Assistance may act as an agent for AGA International SA in the Republic of Ireland
for the receipt of customer money and for the purpose of settling claims and handling premium refunds.

Car Trawler.com will act as an agent for AGA International SA in the Republic of Ireland
for the receipt of customer money and handling premium refunds.




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