Insurance & Excess

Included in the price of your vehicle hire is Standard Vehicle Insurance.

Standard Vehicle Insurance consists of “Fully Comprehensive cover" for the hirer and any additional drivers on the rental agreement.

This insurance cover is for damage to the hired vehicle, theft/vandalism of the vehicle and a comprehensive 3rd party cover, but will carry an insurance excess payable in the event of any claim.

The Insurance Excess on LCH Vehicle Hire groups are

• Cars - £750.00 + VAT
• Vans (except Lutons) - £750.00 + VAT
• Luton Vans - £1000.00 + VAT
• Minibuses - £1000.00 + VAT
• 9 Seater MPVs - £1000.00 + VAT

It is strongly recommended that you purchase LCH Vehicle Hire CDW option, which reduces the excess payable.

If you choose the LCH Vehicle Hire CDW, payment of the relevant insurance excess, in the event of any damage or insurance claim, will be reduce from £750.00 + VAT to £250.00 + VAT for Car & Van groups. And from £1000.00 + VAT to £500.00 + VAT for Luton, Minibus & MPV groups. The LCH Vehicle Hire CDW does not include any damage to glass, wheels and tyres, damage caused above windscreen height of a commercial vehicle / minibus and vehicle undercarriage, for which the customer remains fully responsible and must reimburse LCH Vehicle Hire in full.

If you have a 'Third-Party' Excess waiver Insurance, then you are liable to reimburse LCH Vehicle Hire first and then claim back later through your thrid-party insurer.

If you do not have Excess Insurance of any kind, you are taking a huge risk, which could prove to be very expensive...not to be recommended!

Please note these items are NOT covered:

All glass, including windscreens, and tyre damage. Vehicle damage or loss caused by, misfuelling, off-road driving, vehicle undercarriage, driving under the influence of alcohol or drugs, natural disaters (hail damage), demonstrations, riots or terrorist attacks, carrying of inappropriate equipment, liquids or materials, additional unauthorised equipment such as roof or cycle racks, transmission failures/burnt-out clutch, replacement vehicle, excessive cleaning, failure to conform to our terms and conditions.