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Renting a vehicle should be a straightforward process, but understanding the insurance that comes with it can sometimes feel overwhelming. Whether you need a car for a weekend getaway or a van for business, knowing what you are and aren’t covered for can help you drive away with confidence. This guide will break down the key details of Skipton Self Drive’s insurance policy, including excess charges and the option to reduce your liability with a Collision Damage Waiver (CDW).
Standard Insurance Coverage
When you hire a vehicle from Skipton Self Drive, insurance is included as part of the rental agreement. However, in the event of damage, theft, or a third-party claim, there is an excess amount that you would be responsible for. For most UK licence holders, this excess is £1,000. If you hold a non-UK licence, the excess increases to £2,000, and for hirers aged between 21 and 24, the excess is £1,500.
It’s important to note that certain types of damage are not covered under standard insurance and remain the hirer’s responsibility. This includes punctures, negligent damage such as kerbed wheels or cigarette burns in the upholstery, and any mechanical damage caused by ignoring warning lights or gauges. Additionally, any damage to the vehicle above windscreen height, such as from low-hanging branches or bridges, is entirely the responsibility of the hirer.
Understanding Collision Damage Waiver (CDW)
For those who want extra peace of mind, here at Skipton Self Drive we offer an excess protection option known as Collision Damage Waiver (CDW). This allows you to reduce your excess liability, meaning that in the event of damage or a claim, the amount you would be required to pay is significantly lower.
With CDW, the standard excess amount can be reduced down to £300, making it a useful option for those who prefer lower financial risk. The cost of CDW varies depending on the vehicle you hire, but as a guide, adding CDW to a large van for one day would cost £12, while for a car, it would be just £8 per day. While this adds a small daily fee to your rental, it can make a big difference if an accident occurs, helping you avoid a larger unexpected expense.
When Might CDW Be a Good Idea?
While CDW is optional, there are several situations where it may be worth considering. If you are driving in an unfamiliar area or navigating narrow roads where minor scrapes and dings are more likely, reducing your excess could provide extra reassurance. Similarly, if you are hiring a vehicle for business use and need to ensure minimal financial disruption in the event of an accident, CDW could be a sensible investment.
For younger drivers who have a higher standard excess, opting for CDW can significantly reduce the potential cost of any accidental damage. Likewise, those hiring a van for moving house or transporting goods may want to lower their excess in case of any accidental bumps during loading and unloading. Ultimately, CDW offers added security, helping you to focus on the journey ahead rather than worrying about the potential cost of damage.
How to Get the Right Coverage
Choosing the right insurance option depends on your individual needs and level of risk you’re comfortable with. If you’re confident in your driving and happy to take on the standard excess, you may decide to stick with the included insurance. However, if you’d prefer to reduce your liability, adding CDW can offer valuable protection for a small additional cost.
If you’re unsure about the best option for you, our team at Skipton Self Drive are happy to help. They can provide a tailored quote and talk you through the details to ensure you get the right level of coverage for your rental. Whether you're hiring a vehicle for work or leisure, understanding your insurance options will help you drive with confidence and peace of mind.
Final Thoughts
Insurance can be a minefield, and let’s face it, nobody likes paying it! But having the right coverage in place can save you from unexpected costs and stress if something goes wrong. Whether you stick with the standard insurance or opt for Collision Damage Waiver for extra peace of mind, understanding your options means you can hit the road with confidence.
It’s also really important that you fully understand the terms and conditions of any insurance before you hit the road. We can’t include everything within this article, but we encourage you to refer to our comprehensive T&C’s document which give full detail. You can read it here.
Book your next vehicle today by contacting our team on 01756 792911 or book online here.
