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Should I Use My Insurer For A Hire Car?
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Would It Affect My Premiums if I Chose a Hire Car from My Insurer?
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Are there Additional Costs if I Chose a Hire Car from My Insurer?
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Will My Insurer Provide Like-For-Like Replacement Vehicles?
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No, you should not use your own insurer for a hire car if you do not want your premiums to increase the following year at renewal date. Furthermore, you will have to actually pay for security and bond deposits from out of your own pockets if you were to use a hire car via your own insurer.​
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Yes, Premiums will increase as Insurers typically will require you to lodge a claim in order to receive your Hire Car, which will impact your Premiums to increase even though the accident may not be your fault.​​
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Yes, on top of Premium Increase you will typically be required to pay for additional fees such as Excess Reduction​​​​​
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No, Insurers usually will not provide you with a Like-For-Like Replacement​​
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Are There Any Costs At All Out Of My Own Pocket?
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Upon returning your hire car, you are expected to fill up the petrol and having the hire car cleaned prior to returning it.
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There may be administration fees applicable if you have failed to arrange yourself an E-Toll Pass or incur a Traffic Fine in which case we would have to arrange for them to be directed to you.
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When Will I Receive My Replacement Vehicle?
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You will receive your Replacement Vehicle as soon as your own vehicle is Undrivable either due to an accident or commencement of repairs until your repairs are complete or until you receive your Total Loss Settlement payment if your vehicle was written off.
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Other Providers Charge Excess. Do You Charge Excess As Well?
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Not if you have been approved for $0 Excess Damage Waiver. If approved, we do not charge any excess as you will be protected by Insurance with an excess amount of $0 provided you act in accordance with our terms and conditions and do not make any breaches or serious breaches.
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Why Should I Be Cautious When Choosing A Provider?
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Even though they may provide free hire cars, Providers vary drastically when it comes to procedures. See below for some common examples.
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Other Providers (Including Large Companies) May:
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Charge a significant amount of Excess for any damage made to the Hire Car regardless of who is at fault. This includes very minor scratches
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Charge cleaning costs at high rates even if the Hire Car is returned reasonably clean
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Not even provide Like-For-Like Replacement Vehicles
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Not operate where you live despite advertising themselves as Nationwide
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Not Act In Your Best Interests Overall​​
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