When something goes wrong with your hire car and you’ve been charged hundreds or maybe even thousands for it, the last thing you need is a lengthy, complicated claims process. That’s why we’ve designed the Cover4Rentals claims process to be as simple as possible.
This guide explains how to make a claim on your Cover4Rentals car rental excess insurance policy, what document’s you’ll need, how the process works and what to expect once you’ve submitted your claim.
Anna’s Top Tips💡
- I would keep all rental paperwork until the end of the hire and I know no charges are coming my way.
- To avoid any delays, I would upload clear photos or scans of documents.
- If I’m unsure about any charges, I’d wait for a final response from the rental company before submitting any claim.
How the Cover4Rentals Claims Process Works
All claims are managed online through MyAccount. If you’re not familiar with our self-serve portal, you can read our guide to managing your policy with MyAccount.
To start a claim, you’ll need to log in to your account or create on if you haven’t already. From there, you can access your policy details and begin the claims process.
Important Reminder: This Policy Works on a Reimbursement Basis
All Cover4Rentals policies work on a reimbursement basis. This means that you must pay the rental company directly for any damage or charges. When you rent a car, you’ll usually provide a credit card. If the company deems the car as being damaged, this card will be charged.
Once you’ve paid, you can submit a claim to recover eligible costs. All claims are then assessed in line with your individual policy wording and Certificate of Insurance.
When to Make a Claim
You should make a claim if you’ve been charged by the rental company for something covered under your policy, such as:
As previously stated, you’ll need to have paid the rental company first. Then you claim the eligible costs back through Cover4Rentals.
What You Need Before Starting Your Claim
Make sure you having the following documents reading before starting your claim:
Having all these documents ready ahead of time will make the process a lot smoother and hopefully reduce back and forth between you and the Cover4Rentals team so you can receive your reimbursement faster.
Submitting Your Claim Through MyAccount
How does it work?
Making a claim is easy with MyAccount. It offers you step-by-step guidance as you go through each part of the claim with clear prompts detailing exactly what information is needed.
You don’t need to complete your claim in one go as everything you enter is automatically saved meaning you can come back to it at any time.
To view and update an ongoing claim, go to the Policy Details page in MyAccount.
Once you submit your claim, you’ll receive an email confirming it’s been received. Then a member of out team will begin reviewing it.
If we need any further information from you, we’ll contact you by email.
Once we have all the required documents, the full claims process takes, in most instances, less than 30 days.
Things to Confirm Before Submitting Your Claim
Before submitting your claim, you’ll be asked to confirm the following things:
FAQs
Yes, all claims are submitted and managed through MyAccount.
Yes. Your progress is automatically saved so you can return to it whenever you’d like.
Once all documents are received most claims are completed with 30 days.
When something goes wrong, a simple claims process makes all the difference. With Cover4Rentals, claims are managed online and designed to work around your journey.
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