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Difference between Zero Excess and Excess Reimbursement

Excess  Reimbursement  Insurance

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’d be required to pay in the event of any damage. we have two main ways of covering you, one of which is included with every booking. These are:
 •             Zero Excess Liability
 •             Excess Reimbursement Insurance (ERI)


Zero Excess Liability

Zero Excess
Liability is what we try to provide with all our bookings. It offers most extreme significant serenity on account of a crash with another vehicle. In the case of an accident, you won't need to pay the excess, giving you pursue the right technique which we've sketched out beneath.
              
This sort of assurance doesn't generally cover all of the vehicle however, harm to specific parts of the vehicle are excluded. This is typically bits like the wheels, tires and glass parts. You ought to dependably check with us certainly.

Zero Excess
Also   called No excess liability, zero excess Liability, insurance Excess
You are not liable to pay the excess in the case of a collision that’s not your  fault .
In the case of accident, you still need to follow our car hire accident procedure.

Excess Reimbursement Insurance (ERI)

Some of the time known as Excess Protection, ERI enables you to be reimbursed for the insurance excess should your hire car be damaged or stolen.

Excess Reimbursement Insurance enables you to claim  back the excess amount after you return home. Regardless you'll need to pay the excess at first, however when you return home you can claim this money back. This procedure is extremely straightforward and simple to do.
ERI
You will have to pay the excess at the time, but can claim back eligible costs when you get home This protection is supplied by us it has nothing to do with the car hire provider Assessed on a case by case  basis. In general, as long as you have not been negligent and you follow the accident procedure, you can claim costs back. Doesn’t  always cover every bit of car, parts like tyres, windscreen and undercarriage aren’t always covered.     
Key differences
 These types of cover ultimately aim to protect your excess after an accident, they work somewhat distinctively to do this. Here's a portion of the key contrasts between them.

Zero excess
liability is provided by the provider, ERI is provided by us

Zero excess means you are protected from paying the insurance excess after a collision.
ERI means you pay the excess and claim it back when you get home

Our team's hands on experience in bespoke insurance solutions and claim handling makes us #1 preferred choice with businesses and individuals NZ wide.