Customer's Own Insurance
If you're a retail customer, chances are you'll hire the vehicle under County's insurance cover. However, some vehicle categories are excluded from cover and require our customers to provide their own cover instead - known as "COI." Other customers may choose to save money by electing to provide their own cover on a voluntary basis.
However, when bringing your own cover it is important to double-check that it is going to meet our underwriter's requirements. We cannot recommend insurance providers, but we will validate cover sent to us before release of the hire vehicle. In order to ensure a smooth pick up experience, you must obtain an COI clearance in writing from us at least 72 hours before travel. (This is because we are unable to complete COI validation at weekends.) If you've had your booking request confirmed under terms which do not permit changes, you've specified COI, but you are unable to obtain our approval by this deadline, we'll treat your booking as a no-show.
Your own provided cover must:
- have a policyholder name that is an exact match to the hirer name on the Rental Agreement
- be fully comprehensive
- be underwritten by a company of good repute
- cover the market value of the vehicle
- cover the dates of hire plus a further three days
- cover the vehicle (it may specify the particular vehicle registration number)
- cover the purpose of travel (for example, if business travel is to be conducted, it must specifically include business travel)
- not exclude hire vehicles (many personal insurances do)
- not list you as the owner or keeper
- not be a motor trade policy or solely for moving vehicles causing an obstruction
- specify that we are the loss payee - this can also be obtained in writing from your broker.
In addition, we advise you to be wary of "short term" insurance providers who often exclude hire vehicles (or require specific endorsement of them), do not cover the market value of the vehicle, or are unsuitable in some other way. We also caution you not to confuse motor insurance policies with those that simply seek to underwrite insurance excesses - these are often marketed misleadingly as "car hire insurance." You can't use them for COI cover.
If you've made a booking request specifying COI, you must send the following policy documents to the pick-up branch and obtain an COI clearance in writing from us at least 72 hours before travel:
- Certificate of Insurance
- Policy Schedule
- Confirmation of premium paid
- Any additional documentation provided by the broker
- If any of these documents are password protected, you must provide us with the password.