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Old 07.10.2020, 12:20
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Question about the rental car damage and insurance

Hi All

I rented a RV from MCRent in the summer holiday, and by the contract that I saw the insurance condition is like following:
In accordance with the principles of a comprehensive motor insurance, the Rental Company will indemnify the Hirer from liability subject to an excess of € 500 to be borne by the Hirer in case of damage subject to partial comprehensive motor insurance and to an excess of € 1,200 per damage to be borne by the Hirer in case of damage subject to full comprehensive motor insurance per case of damage. The respective excess cannot be excluded.

When I returnedthe RV, there were two crashes on the RV, the MCRent said they will calculate the repair cost and send me the bill later.

Today I received a bill from MCRent, I saw the attached cost list from garage which is more than 6,000 EUR in total, but based on the insurance that I only pay my obligation part, but what I don't understand is that MCRent chargedme per crash, which means I need to pay 1,200+ 1,200 = 2,400 EUR, is it reasonable? Does anyone have similar experience?

Thanks
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Old 07.10.2020, 12:34
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Re: Question about the rental car damage and insurance

Your contract says “an excess of € 1,200 per damage” and it seems you damaged it twice. Insurance is event based, and they have classified them as 2 events and therefore 2 damage claims. Harsh, but you’re probably on the hook.
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Old 07.10.2020, 12:50
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Re: Question about the rental car damage and insurance

perfectly reasonable, different crashes, means 2 claims... and 2 deductibles.
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Old 07.10.2020, 13:00
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Re: Question about the rental car damage and insurance

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Your contract says “an excess of € 1,200 per damage” and it seems you damaged it twice. Insurance is event based, and they have classified them as 2 events and therefore 2 damage claims. Harsh, but you’re probably on the hook.
Actually the two crashes were happened from one accident (different crash parts on the RV), so what I confused is that the cost is based on per crash part? or per accident? thanks
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Old 07.10.2020, 13:04
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Re: Question about the rental car damage and insurance

If you paid for theh rental on our credit card and your credit card includes car hire insurance they will reimburse you.

If you do not have this, ignore the above...
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Old 07.10.2020, 13:39
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Re: Question about the rental car damage and insurance

Sorry, I understood you had 2 accidents! Have a look at the original language terms & conditions. “Per damage” is a very loose term to use in a contract. If in German it says 1,200 Pro Schadensfall” you’re probably in the clear as that would mean “per event, or per claim”. Did you submit a damage report? Did you take any photos when it happened?
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Old 07.10.2020, 15:43
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Re: Question about the rental car damage and insurance

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Sorry, I understood you had 2 accidents! Have a look at the original language terms & conditions. “Per damage” is a very loose term to use in a contract. If in German it says 1,200 Pro Schadensfall” you’re probably in the clear as that would mean “per event, or per claim”. Did you submit a damage report? Did you take any photos when it happened?
Actually it's two scratch parts on the car, which caused by the tree, it's not two accidents. So I am confused what does "per damage" mean? is it per accident? or per scratch part?
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Old 07.10.2020, 15:45
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Re: Question about the rental car damage and insurance

Normally it would be "per accident". Did you never tell them when you had this 6000eur accident? Must have been pretty major.
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Old 07.10.2020, 15:54
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Re: Question about the rental car damage and insurance

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Normally it would be "per accident". Did you never tell them when you had this 6000eur accident? Must have been pretty major.
Actually it's two scratch parts on the car, which caused by the tree, it's not accidents. So I am confused what does "per damage" mean? is it per accident? or per scratch part?
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Old 07.10.2020, 16:39
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Re: Question about the rental car damage and insurance

Doesn't matter how many scratches or dent, if it was all in one accident, then it's only one claim, so you need pay only € 1,200. I'd dispute it by registered letter asap.


However, as AbFab mentioned you may be covered by your credit card, so worth asking them. Otherwise if you have travel insurance perhaps, and even some home policies cover this. We're with Zurich and they do - but it may be an add-on?
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Old 07.10.2020, 17:23
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Re: Question about the rental car damage and insurance

The German version reads:
sowie bei Vollkaskoschäden mit einer vom Mieter zu tragenden Selbstbeteiligung von € 1.200,00 pro Schadensfall von der Haftung freistellen.


...which I understand to be "per claim" as would be normal. It's clear the English version is a translation of the German.


For the damage itself it's not uncommon for them to charge per piece of damage but the excess/self-pay should only be per incident. E.g. if four trees fall on your vehicle that can be 4x dent repair but it's only one claim.




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Old 07.10.2020, 18:53
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Re: Question about the rental car damage and insurance

For scratch 1200 is a rip off, could we have a photo of the damage.
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