Ok, so I currently have a Europcar rental and I'm stuck in a hotel so I thought I'd read the T&Cs (not something I enjoy and for that matter I cannot say I've ever done it), but clause 4.8 states a list of things they say
"You must always pay and there is no cover for:" (the bolding is theirs).
"a) the DLF in the rental agreement if there is damage, theft or third party loss" I gather this is the excess?
"c) damage whilst a commercial vehicle is driven in reverse"
"e) overhead damage"
"g) underbody damage"
and it goes on, but my concern is those exclusions (plus others) means this policy is not a general comprehensive policy as we would expect in AU, so is that perhaps a way out of a payment by (in my case) TID? I mean, what if I did undercarriage damage unintentionally which voided any cover (as per this clause) and then find I couldn't even claim the excess because TID say "well that's not a standard comprehensive policy". This is not totally silly. My wife had a vehicle written off by our insurers because some louts pushed it down an embankment at a inner city public carpark and then when the towies pulled it up in the dark, they failed to notice a star picket which ripped a huge gash from front to back on the undercarriage. Our insurance paid.....it seems Europcar insurance would not!