{"id":21612,"date":"2018-06-08T16:20:40","date_gmt":"2018-06-08T15:20:40","guid":{"rendered":"https:\/\/www.zestcarrental.com\/blog\/?p=21612"},"modified":"2022-10-06T11:49:24","modified_gmt":"2022-10-06T10:49:24","slug":"insurance-differences","status":"publish","type":"post","link":"https:\/\/www.zestcarrental.com\/blog\/insurance-differences\/","title":{"rendered":"Zero Excess Liability and Excess Reimbursement Insurance Explained"},"content":{"rendered":"<h6 style=\"margin-bottom: 0px;\">Quick Links<\/h6>\n<p><a style=\"font-size: 0.9em;\" href=\"#zero\">Zero Excess Liability<\/a> | <a style=\"font-size: 0.9em;\" href=\"#eri\">ERI<\/a> | <a style=\"font-size: 0.9em;\" href=\"#difference\">Differences<\/a> | <a style=\"font-size: 0.9em;\" href=\"#me\">Which one do I have?<\/a> | <a style=\"font-size: 0.9em;\" href=\"#top\">Top Up Insurance<\/a><\/p>\n<p>Car hire insurance can sound complicated and daunting but it really doesn\u2019t have to be. Booking your car hire through us ensures that one way or another your excess is covered. Your excess is simply the amount of money you\u2019d be required to pay in the event of any damage.<\/p>\n<p>To make sure you\u2019re not left footing the bill, we have two main ways of covering you, one of which is included with every booking. These are:<\/p>\n<ul>\n<li>Zero Excess Liability<\/li>\n<li>Excess Reimbursement Insurance (ERI)<\/li>\n<\/ul>\n<h3><a name=\"zero\"><\/a><strong>Zero Excess Liability<\/strong><\/h3>\n<p>Zero Excess Liability is what we try to provide with all our bookings. It offers maximum peace of mind in the case of a collision with another vehicle. In the case of an accident, you won\u2019t have to pay the excess, <em>providing you follow the correct procedure which we\u2019ve outlined below.<\/em><\/p>\n<p>This kind of protection doesn\u2019t always cover every bit of the car though, damage to certain parts of the car are excluded. This is normally bits like the wheels, tyres and glass parts. <strong>You should always check with us to be sure.<\/strong><\/p>\n<p><a href=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21657 size-large\" src=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points-1024x1024.png\" alt=\"Zero Excess Liability Insurance Key Points\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points-1024x1024.png 1024w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points-150x150.png 150w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points-300x300.png 300w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points-768x768.png 768w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Zero-Excess-Key-Points.png 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p><strong>I\u2019ve got Zero Excess liability and I\u2019ve had an accident, what do I do?<\/strong><\/p>\n<ol>\n<li>Contact the provider and let them know. Their contact details are on your car hire voucher. If you can\u2019t get hold of the provider, let us know.<\/li>\n<li>Complete a damage report on the car, take photos of the damage, the roads, find witnesses as evidence<\/li>\n<li>Obtain a police report immediately, this is essential<\/li>\n<li>If a third party is involved, get their details too<\/li>\n<\/ol>\n<p>If you follow all these steps properly and you haven\u2019t been negligent, you won\u2019t be liable to pay the excess for the collision.<\/p>\n<hr \/>\n<h3><a name=\"eri\"><\/a><strong>Excess Reimbursement Insurance (ERI)<\/strong><\/h3>\n<p>Sometimes known as Excess Protection, ERI allows you to be reimbursed for the insurance excess should your hire car be damaged or stolen.<\/p>\n<p>Excess Reimbursement Insurance allows you to claim back the excess amount after you return home. You\u2019ll still have to pay the excess at first, but as soon as you get home you can claim this money back. This process is really simple and easy to do.<\/p>\n<p><a href=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21658 size-large\" src=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points-1024x1024.png\" alt=\"ERI Excess Reimbursement Insurance Key Points\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points-1024x1024.png 1024w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points-150x150.png 150w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points-300x300.png 300w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points-768x768.png 768w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Zero-Excess-Key-Points.png 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p><strong>I\u2019ve got Excess Reimbursement Insurance and I\u2019ve had an accident, what do I do?<\/strong><\/p>\n<ol>\n<li>Inform the provider immediately, their contact details are on your car hire voucher. If you can\u2019t get hold of the provider, let us know instead<\/li>\n<li>Complete a damage report, take pictures of the car, the road conditions, any third parties involved and find good witnesses<\/li>\n<li>Obtain a police report straight away, this is essential, you may need this as evidence<\/li>\n<\/ol>\n<p>If you follow these steps properly and you haven\u2019t been negligent. You should be able to claim back the excess.<\/p>\n<hr \/>\n<h3><a name=\"difference\"><\/a><strong>Key differences<\/strong><\/h3>\n<p>These types of cover ultimately aim to protect your excess after an accident, they work slightly differently to do this. Here&#8217;s some of the key differences between them.<\/p>\n<p><a href=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Copy-of-Zero-Excess-Key-Points.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21663 size-large\" src=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/06\/Copy-of-Copy-of-Zero-Excess-Key-Points-1024x1024.png\" alt=\"\" width=\"1024\" height=\"1024\" \/><\/a><\/p>\n<hr \/>\n<h3><a name=\"me\"><\/a><strong>How can I tell which one I\u2019ve got?<\/strong><\/h3>\n<p><strong>After booking:<\/strong> You can check on the car hire voucher you received on the page titled \u201cRental Conditions\u201d under the heading \u201cInsurance\u201d.<\/p>\n<p><strong>While booking:<\/strong> See which kind of cover you\u2019ve got under the \u201cWhat\u2019s included when you rent with Zest\u201d heading in the right hand panel.<\/p>\n<p><a href=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/2.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-21621\" src=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/2-300x90.png\" alt=\"Excess Reimbursement Insurance Shown on Booking Page\" width=\"300\" height=\"90\" srcset=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/2-300x90.png 300w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/2.png 336w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-21620\" src=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/1-300x103.png\" alt=\"Zero Excess Liability Shown on Booking Page\" width=\"294\" height=\"101\" srcset=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/1-300x103.png 300w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2018\/05\/1.png 330w\" sizes=\"auto, (max-width: 294px) 100vw, 294px\" \/><\/a><\/p>\n<hr \/>\n<h3><a name=\"top\"><\/a>What about Top Up insurance?<\/h3>\n<p>Top up insurance is the ultimate cover available when you book your hire car through us. It provides reimbursement cover against any loss or damage to your hire car, including the bits not normally covered.<\/p>\n<p><a href=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2022\/10\/top-up-insurance-info.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-26914 size-full\" src=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2022\/10\/top-up-insurance-info.png\" alt=\"\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2022\/10\/top-up-insurance-info.png 1024w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2022\/10\/top-up-insurance-info-300x300.png 300w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2022\/10\/top-up-insurance-info-150x150.png 150w, https:\/\/www.zestcarrental.com\/blog\/wp-content\/uploads\/2022\/10\/top-up-insurance-info-768x768.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<hr \/>\n<h3>Quick Notes<\/h3>\n<p>Car hire insurance is complicated, we&#8217;ve tried to make everything as clear and easy as possible but if you&#8217;ve got any questions always feel free to get in touch with us. If you&#8217;ve ever got any doubts about something, get in touch and we&#8217;ll clear everything up.<\/p>\n<p><strong>What do we mean by &#8220;negligent&#8221;?<\/strong><\/p>\n<p>By negligence we simply mean cases where the proper care hasn&#8217;t been taken. An example of this is driving your hire car off-road.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reading Time: 3 Minutes. Car hire insurance can sound complicated and daunting but it really doesn\u2019t have to be. <\/p>\n","protected":false},"author":15,"featured_media":26917,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3092],"tags":[],"class_list":["post-21612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-hire-essentials"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zero Excess Liability &amp; ERI Explained - Zest Car Rental<\/title>\n<meta name=\"description\" content=\"When you book with us, we always remove your excess in the case of an accident. 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