Rentalcars.com and Booking.

com
Full Protection Insurance
Insurance Product Information Document
Company: Zurich Insurance Company Ltd Product: Full Protection Insurance
Zurich Insurance Company Ltd. Our FCA Firm Reference Number is 959113.

This is just a summary of the Policy. You will find the full terms, conditions and exclusions in the Full Protection Insurance Policy Document.

What is this type of insurance?

Full Protection Insurance is designed to refund a range of charges, including damage costs, that you pay under your rental agreement with
the car rental company, should there be an Incident involving your rental vehicle.

What is insured? What is not insured?

We will pay up to £20,000 in total for charges for which you are 7 We will not pay more than £20,000 in total for all claims under
liable under the car rental agreement for: this policy.
3 The amount of any damage or theft excess. 7 Claims for which you are not liable under the car rental agreement.
3 Damage to the Rental Vehicle’s: 7 Claims relating to incidents caused while you weren’t sticking to
the terms of the car rental agreement, drunk driving, breaking
• exterior or mechanical components including:
local laws or the rules of the road, taking the rental vehicle
i. bodywork, roof, undercarriage outside the territory specified in the rental agreement.
ii. windscreen, windows, mirrors, locks 7 Amounts paid by you for any work done to the rental vehicle not
iii. wheels, tyres, hubcaps, engine, clutch, battery approved in advance by the car rental company.
arising from the Incident 7 Charges arising from Incidents not reported to the police that
• interior arising from the Incident or otherwise caused should have been.
accidentally. 7 Charges for:
Immobilisation charges from the rental company. i. cleaning of any part of the Rental Vehicle's interior (unless
✓ Roadside assistance and towing charges. incurred as a result of an Incident);

✓ Administration fees. ii. damage to the Rental Vehicle's interior caused by smoking
or vaping or the use of any materials used for either.
✓ Misfuelling costs.
7 Claims for bodily injury or related to damages or losses sustained
✓ Costs directly related to locking yourself out of the rental vehicle by any third-party vehicle, property or person.
or losing its key(s).
7 Any other expenses that you may incur, including (but not limited
✓ Essential alternative transport charges, not exceeding £100. to) transport or accommodation costs, or any other out-of-
pocket expenses, legal costs, including debt-collection fees,
late-payment penalty fees, or associated disbursements,
currency exchange rate changes.
7 Driving off a public highway, using the rental vehicle for towing,
or in racing competitions, rallying, trials, speed testing or on a
motor sport circuit or as a taxi, or for hire or reward.
7 War, invasion, act of a foreign enemy, hostilities (whether war is
declared or not) civil war, civil commotion, rebellion, revolution,
insurrection, military force, coup d’état, terrorism or weapons of
mass destruction, any medical pandemic or epidemic.
7 You travelling to a specific country or to an area where the
Foreign, Commonwealth & Development Office or a local
Government/Regulatory body has advised against all or all but
essential travel (except where such advice has been issued due
to a medical epidemic or pandemic within the country or area
being visited).
7 You renting a vehicle without insurance covering loss of or
damage to the vehicle (such insurance may have an excess and
excluded items which may be covered under this policy).
7 Pre-existing defects or damage or damage covered by your car
rental agreement.

Are there any restrictions on cover?

! You must be a resident of the UK to be covered under this policy.
! The following vehicles are not covered by the policy:
motorhomes, campervans, commercial vehicles, motorcycles
or mopeds.
 Where am I covered?
3 Anywhere that the Rental Company allows you to drive the Rental Vehicle.

What are my obligations?

a) The Insurer must have received (and still have) the full premium amount.
b) You must have a valid Car Rental Agreement, and comply with all the terms and conditions of your policy.
c) If you make a claim, you must:
i) Notify us within 3 months of being charged (or held liable by) the Car Rental Company for loss of or damage to the Rental Vehicle
and additional charges as specified in this policy.
ii) Provide evidence to support your claim (e.g. proof of payment).

When and how do I pay?

You will pay a single insurance premium, which will be taken from the payment card you used to make your booking:
a) If you pay for your rental at the time of booking, the premium will usually be taken as part of the payment for the rental itself.
b) If you pay for your rental later, the premium will be taken one month before your rental is due to start.
c) If you add this insurance after booking your vehicle, the premium will be taken when you add insurance.

When does the cover start and end?

You will find your cover start and end dates on your certificate of insurance.
Your policy will continue for up to 48 hours at no additional charge if you extend the Car Rental Agreement with the approval of the Car
Rental Company, or if you are unable to return the Rental Vehicle to the Car Rental Company at the end of the Car Rental Agreement due
to the injury or illness of you or your travel companion, or due to a change of itinerary for any reason beyond your control that is not
otherwise excluded under this policy.

How do I cancel the contract?

a) Before the start of Your Car Rental Agreement, you can cancel the policy (and receive a full refund) at any time.
b) After the start of Your Car Rental Agreement, you can only cancel the policy (and receive a partial refund) within 14 days of paying the
premium.
Please refer to the cooling-off period and cancellation section in the policy document for full details.

Zurich Insurance Company Ltd

A public limited company incorporated in Switzerland. Registered in the Canton of Zurich, No. CHE-105.833.114, registered offices at Mythenquai 2,
8002 Zurich. UK Branch registered in England and Wales no BR000105. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham,
Hampshire PO15 7JZ.
Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by
the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation
Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number
is 959113.
Communications may be monitored or recorded to improve our service and for security and regulatory purposes.
© Copyright – Zurich Insurance Company Ltd 2023. All rights reserved. Reproduction, adaptation or translation without prior written permission is
prohibited except as allowed under copyright laws.

ZT07.02 (NP722912002) (03/23) CMS