Car hire catch

We've been hiring cars on holiday for many years. Back in the old days, we'd hire what we called a 'monkey car' - we'd find a small, independent hire company and hire the cheapest, crappiest car they had. It was an inexpensive way to explore and get to the places that public transport couldn't get you. 

Our monkey car in Crete, 2003!

As time went on and we had the kids, our requirements naturally changed. We wanted four doors, lots of boot space, booster seats and a generally safer, more reliable ride. Of course, with these extra expectations came extra costs, but it was still worth hiring a car for a few days for a bit of exploring (especially given the trials and tribulations of taking young children on public transport). 

Our Chevy (or was it a Chrysler? It began with a C!) in Florida, 2008

More recently, since we started booking holidays independently rather than booking packages, we've realised that it makes sense to hire a car for a week from the airport. It often works out cheaper than a shuttle transfer (and much cheaper than a taxi) - plus, not only can you drive yourself to the hotel without having to hang around, but you also have use of a car for the whole time you're away (and don't have to waste a morning wandering around looking for the best-value hire place!). 

But what you often don't realise until you pick up your hire car is that insurance is a whole extra cost. Many times we've seen that comprehensive insurance is included and thought we've got a good deal, but then found out that the excess is something ridiculous like £3,000. They will then offer you an upgrade to the insurance to bring the excess down to zero - but this usually costs close to or more than the hire itself. Even worse, certain things like windscreen and tyres are often excluded from the policy - but of course you can take out an additional policy to cover you for these. In short, you are faced with a Sophie's choice - you either pay out another £100 or more for peace of mind or you take the risk and spend the whole holiday praying you don't damage the car and end up spending more than the cost of your holiday. 

We've got used to paying the extra amount over the years, trying to remember to add it mentally to the hire cost right from the start. But earlier this year, during my surprise birthday trip to Sorrento (see Sorrento out of season), Lee thought that the extra insurance was just too expensive and decided not to pay it. He figured that he'd make sure he drove extra carefully and we'd be fine - after all, we drive at home every day without damaging our cars. How many accidents have we had in 20-odd years? What were the chances of an accident in the four days we were in Italy? (Yes, I know, with our record you'd think we'd have been a bit more concerned...) It soon turned out to be a bad decision - not because we did damage the car (I know - who'd have thought it?!) but because we spent the whole holiday worrying that we might. We may have been driving carefully but that didn't mean that anyone else was. Anyone who's been to Italy, particularly Naples, will know that the standard of driving is on a par with Mo from Driving School (remember her?) crossed with Lewis Hamilton. Let's just say that our Amalfi Coast drive was a somewhat hair-raising experience, and not because we'd hired a convertible. Needless to say, despite having turned out (sort of) okay in the end, we decided to pay the extra insurance in the future. 

Playing at Audrey Hepburn on the Amalfi Coast, with our already-filthy car

We didn't escape confetti and silly string all over the car as part of a local festival...

Then a couple of months ago we had a conversation I wish we'd had years ago with a friend who travels regularly for work. He told us that you could get a policy before you travel to cover you for insurance excess - and of course this policy costs a fraction of those they sell you at the hire company, despite offering the same benefits. Why didn't we know this? Why had we never thought to find out if it was possible? We looked into it and it's pretty straightforward. Lots of companies offer similar policies. You can either buy a single-trip policy, to cover you for a holiday, or, if you hire a car more than once a year, an annual policy for not a whole lot more than single-trip cover. In the end, for our upcoming trip to Salou, we opted for a single-trip policy with iCarhireinsurance.com for £23, as we're unlikely to hire a car again for another year - although I desperately wish we'd known about this before we went to Sorrento... 

We've been using price comparison websites for years for car and house insurance - you'd think we'd have thought before about something similar for hire cars. It makes sense - how else can hire companies afford to charge so little sometimes for car hire (we've actually seen car hire for less than £5 a day!)? They make their money through commission on the overpriced insurance. It's not a scam, it's not illegal, it's probably not even immoral; it's no different to car insurance companies hiking up their price when it's time to renew your policy - they're banking on you not bothering to check out alternatives. We're not caught out with our insurance at home, but we've clearly been caught out for years when hiring cars. And if we, who go abroad regularly and hire cars most years, didn't know about this, I figure there's a reasonable chance that a lot of other people don't know about it either. So I feel it is my duty to let everyone know about car hire insurance, and hopefully save you some money or stress (or both) when hiring a car. Of course, a potential consequence of people knowing about getting independent insurance is that hire companies will start putting up their prices to make up for the loss of commission. So feel free to spread this around - just not too far, eh?!