Alco Van Hire
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Self Drive Insurance & Insurance Excesses
This section provides an excerpt of the cover of insurance that will cover you whilst you are driving our hire vehicle.
You should also check that you are able to comply with our driver requirements, which are detailed here.

You should be aware that when you hire a vehicle from Alco Van Hire you will be driving on our Self Drive Insurance, not your own personal policy.

Mandatory Third Party Liability Insurance
We are required by law to insure Our Vehicles against liability for the claims or actions of a Third Party(ies). Third Party Liability Insurance is therefore automatically included as part of Our Vehicle hire services and You will be covered for the consequences others may suffer as a direct result of Your actions whilst You are driving the Vehicle up to the level legally required.

What am I covered for?
You will be insured against liability for the financial cost of any of the following consequences that may arise as a result of an incident that You cause when You are using the Vehicle:
  • Bodily injury or death suffered by a third party(ies); and
  • Property damage sustained by a third party(ies) and losses and costs arising as a consequence of the damage.

What is excluded from the cover?
Third Party Liability Insurance does not cover:
  • Bodily injury or death that you (the driver at the time of the collision) may suffer; or
  • Any damage to or loss of your personal property or possessions; or
  • Any damage caused to the vehicle; or
  • The vehicle if it is stolen due to the keys being left in or on the Vehicle; or
  • The vehicle if it is stolen due to the loss of the keys whilst on hire or the keys cannot be provided.

The following examples are indicative only, we strongly advise you to read the full documents within section 25 of the terms and conditions
 
What am I liable for?
Your can choose your own level of liability, depending on the cover you purchase. Third Party Liability Insurance is included with the hire charges and is our basic cover. You can enhance this by choosing to purchase the Collision Damage Waiver.

The Collision Damage Waiver (CDW) and the extra cover does it gives you
As with any cover, you have an excess to pay in the event of accident or damage. There are some things which have a mandatory excess, or are not covered at all, and there are some things where you can choose which excess you feel most happy with. This is the collision damage waiver (CDW). The excesses, CDW availability and options are explained below:

Collision Damage Waiver Availability
The collision damage waiver is available to everyone except:
  • Drivers aged under 23 or over 74 years of age.
  • Drivers with certain convictions or endorsements on their licence.
 Your liability without the CDWYour liability with the CDW
In the event of a non fault accident involving a third party vehicle: (Per incident)
Maximum Contribution to Third Party✗ £1000.00^ excess✓ £250.00^ excess
Maximum Contribution the Hire Vehicle NO COVER - Full Cost✓ £250.00^ excess
In the event of a fault accident involving a third party vehicle: (Per incident)
Maximum Contribution to Third Party✗ £1000.00^ excess✓ £250.00^ excess
Maximum Contribution towards the Hire Vehicle NO COVER - Full Cost✓ £250.00^ excess
In the event of an accident not involving another vehicle: (Per incident)
Maximum Contribution to Third Party✗ £1000.00^ excess✓ £250.00^ excess
Maximum Contribution towards the Hire Vehicle NO COVER - Full Cost✓ £250.00^ excess
Interior Damage NO COVER - Full Cost

The Driver is responsible for all costs relating to any damage or loss for any of the following as they are not covered by the Insurance Policy or the Collision Damage Waiver.
Overhead Damage
Under-body Damage
Loss of Keys & Consequential Costs
Wrong Fuel
Aerials
Damage Caused by Roof Racks
Damage to property not otherwise covered
Wing Mirror per mirror NO COVER - Full Cost✓ £50.00^ excess
Other Mirror Glass per glass NO COVER - Full Cost✓ £50.00^ excess
Windscreen per screen NO COVER - Full Cost✓ £50.00^ excess
Other Glass per glass NO COVER - Full Cost✓ £50.00^ excess
Tyre Puncture per wheel NO COVER - Full Cost✓ £50.00^ excess
Tyre or Wheel damage per wheel NO COVER - Full Cost✓ £50.00^ excess
^ Vat or IPT at the current rates may be payable in addition to these amounts depending on the individual circumstances.
The CDW will not cover you for the following:
  • Interior damage eg. cigarette burns.
  • Damage when the vehicle is not on the public highway.
  • Theft of the vehicle when its keys have been lost or stolen.
  • Damage or theft caused by the negligence of the hirer.
  • Damage caused by racing or by driving while under the influence of alcohol or drugs.
  • Vandalism.
  • If any of the terms and conditions of the rental agreement are breached.

This list is not exhaustive, it is an indication of some exclusions and reductions you may choose. You must make sure you read the full terms and conditions, these are issued as part of your rental agreement.

The price of the CDW starts from £7.50 per day, but its costs depends on the type of vehicle being hired and is only available to purchase at the time of hire.

If any traffic offence has been committed, your insurance may be invalidated.

This is only an excerpt of the cover of insurance. We strongly advise you to read the full documents within section 25 of the terms and conditions.

© Updated 26 February 2020
For all enquiries and reservations please call us on 01962 67 00 67
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