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Car rental query.

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83G/84D

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I am renting a car from a well known rental company later this year for a UK based holiday.

When booking I paid for it using a debit card however when reading the T&C's it stated that when collecting the vehicle in addition to having the debit card present along with a driving licence I need a credit card.

I have never had a credit card and was wondering why I need to produce one when collecting the rental vehicle.

Anyone able to explain why?
 
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Bletchleyite

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So they can do a pre authorisation for the very hefty excess. Some companies will allow you to rent without one if you take their collision damage waiver policy.
 

ScottishIain

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It's a pretty standard thing when hiring a car that they ask for this. Pretty sure there is also a higher chance of recovering any additional costs that may be incurred such as damage etc from a credit card. They also take a security deposit when you pick it up by making a pre-authorisation amount on the card.

I'm sure somebody who knows better than me will be able to shed some light. There are some car hire companies who will take a debit card only but usually means a higher deposit at point of hire.

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Darandio

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I'm sure somebody who knows better than me will be able to shed some light. There are some car hire companies who will take a debit card only but usually means a higher deposit at point of hire.

Practical do this, certainly at my local branch anyway. I pay £100 deposit.
 

Butts

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I've hired a car in the UK from Enterprise and Europacar using a Debit Card.

As someone mentioned if you take out their (expensive) excess waiver they don't bat an eyelid.

They still take a deposit of £100 or £200 on the Debit Card.
 

richw

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Enterprise, Europcar and hertz all accept debit card deposits.
Enterprise is £200, Europcar £250 + 10% of rental cost. I can't remember hertz.
They take a debit then refund on return of the car.

I've used all three in the last 6 months.
 

DarloRich

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I am renting a car from a well known rental company later this year for a UK based holiday.

When booking I paid for it using a debit card however when reading the T&C's it stated that when collecting the vehicle in addition to having the debit card present along with a driving licence I need a credit card.

I have never had a credit card and was wondering why I need to produce one when collecting the rental vehicle.

Anyone able to explain why?

never had a problem renting a car or van without a credit card - which is lucky as i have neither a car nor a credit card! Enterprise take a £200 deposit off my debit card. I have never paid for any excess insurance in this country.
 
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Busaholic

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never had a problem renting a car or van without a credit card - which is lucky as i have neither a car nor a credit card! Enterprise take a £200 deposit off my debit card. I have never paid for any excess insurance in this country.

I've used debit card too and, what's more, my driving licence was unasked for, on two occasions with Enterprise.
 

Darandio

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I've used debit card too and, what's more, my driving licence was unasked for, on two occasions with Enterprise.

Did they take/aready have your National Insurance number though?

As whenever a car is rented, they should be checking your details against the DVLA database.
 

Crossover

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I recently rented from Enterprise - there was someone else there when I returned it who didn't have s a credit card, so it probably won't be an issue. Enterprise took a £200 deposit too

The difference on credit card is it doesn't need to be ready cash. Looking at my statement, the deposit was actually taken (along with the rental cost) in full, not a preauth, and the balance refunded back after. Do this on debit card and if the cash isn't there, it'll either refuse it or throw you into overdraft. Refunds also don't go through immediately (a 3 day delay isn't uncommon from experience)
 

FQTV

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In practice, car rental companies can be extraordinarily lax in their administration, but in theory it's hardly surprising that policy is to guarantee the taking away of a £10k plus asset against something more than the remants of last month's overdraft on a debit card.

Always worth remembering as well, though, that pre-authorisations on a credit card reduces the card's limit until released, so particularly for higher-value vehicles and when on holiday abroad, it can be worthwhile asking the issuer for a temporarily increased limit.
 

Puffing Devil

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If you can, get a credit card. So many advantages over a debit card - fraud isolation and consumer credit act protection to mention two, plus not needing to have your bank balance appropriated when renting a car.
 

Crossover

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If you can, get a credit card. So many advantages over a debit card - fraud isolation and consumer credit act protection to mention two, plus not needing to have your bank balance appropriated when renting a car.

It is the main reason I have one, alongside being a backup form of payment and a way to hopefully improve my credit rating
 

DarloRich

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I've used debit card too and, what's more, my driving licence was unasked for, on two occasions with Enterprise.

now you can submit an online license certification form which means they don't need to see your paperwork.

If you can, get a credit card. So many advantages over a debit card - fraud isolation and consumer credit act protection to mention two, plus not needing to have your bank balance appropriated when renting a car.

until you cant pay them back and they try to chop your bits off! Only spend money you have in the bank. When i lost my job and was quickly moving towards bankruptcy the only major grief I got from anyone was from the credit card people. A shower of bar stewards.
 
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gazthomas

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On a related point - I would recommend you take our third-party car hire excess insurance as it is much much cheaper than the hire car companies. You can even get annual insurance if you hire regularly.
 

Crossover

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On a related point - I would recommend you take our third-party car hire excess insurance as it is much much cheaper than the hire car companies. You can even get annual insurance if you hire regularly.

"Our third-party hire excess insurance? Who is "our"?
 

Bletchleyite

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For balance, there is a benefit to taking that of the hire company - they just take the damaged car back, no hassle, very few questions asked. No need to pay and claim, no need for a huge deposit.
 

gazthomas

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For balance, there is a benefit to taking that of the hire company - they just take the damaged car back, no hassle, very few questions asked. No need to pay and claim, no need for a huge deposit.

I don't disagree with the convenience, but if you're short of cash you might be happy to do that. Many hire car companies charge exorbitant charges for excess waivers. This was covered on Radio 4's "You and Yours" at lunch time.
 

richw

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On a related point - I would recommend you take our third-party car hire excess insurance as it is much much cheaper than the hire car companies. You can even get annual insurance if you hire regularly.

Seconded, last year my company car went back in April as the lease was up, and I was on redundancy notice leaving in July. The company opted to rent me a car instead of a new company car, every Monday morning I picked up and returned it Friday lunchtime. I was responsible for the excesses, so opted to buy an annual policy for forty quid rather than over a tenner a day from the hire company!
 

Bletchleyite

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Seconded, last year my company car went back in April as the lease was up, and I was on redundancy notice leaving in July. The company opted to rent me a car instead of a new company car, every Monday morning I picked up and returned it Friday lunchtime. I was responsible for the excesses, so opted to buy an annual policy for forty quid rather than over a tenner a day from the hire company!

I would flat refuse to take a hire car on business with a high excess. CDW is necessary, and they would be paying for it.
 

Springs Branch

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I now avoid renting cars in Britain if I can avoid it because of "damage" scams by the car hire companies. This can lead to unexpected charges to your credit card some time after you return the car.

It's a pity, because I live overseas and on trips back to the UK renting a car is usually the cheapest and most convenient way for me, my wife and our luggage to get around - provided we're not staying in London or the centre of historic towns, of course.

On the last two occasions when I've hired cars here I've had major aggravation about non-existant damage to tyres or wheels on return, followed by attempts to make hundreds of pounds of unauthorised (by me) charges to my credit card for repairs plus "administration charges".

This smacks of an obvious policy by certain rental companies to try it on, presumably hoping the punters will be rushing to catch a plane, quite possibly live overseas and not able to effectively dispute the matter. I've had trouble in Edinburgh and Manchester with both the red ones and the yellow ones - not talking about back-street operators here - but both times the companies backed down and in the end I paid nothing extra (except for my time & stress in challenging them).

Most recently (in 2015) I returned a car to Manchester Airport, and whilst queuing to hand in my keys at the desk, a businesswoman type in front was kicking off about hefty charges added for damage she was unaware of causing. Then half an hour later in the terminal waiting for our flight to board, a random passenger sitting behind me was in a heated call on his mobile to a car hire company about tyre damage he said he hadn't caused but had just being charged for. Then two days later, a credit card charge appeared (£398) for allegedly kerbing the alloy wheel on the car I'd returned. Luckily I had clear photos of all the wheels (plus all the rest of the car too) at the check-in car park with that company's signage in view. I instructed my bank to reverse the payment, which they promptly did, and when I asked the rental company to send evidence - their photos of the damage and their invoices for repair, they eventually backed off "as a gesture of goodwill".

Try Googling this subject, or look up, for example, Manchester Airport Car Rental on Tripadvisor for other people's more recent experiences.

Even if some wear and tear does occur, as it will to any car, you wonder how many separate customers will get billed for ephemeral damage like slight scratches on wheel arches and scuffs on tyres, and how much it actually costs the companies when they eventually repair it (they'll not be paying retail prices for tyres or at a body shop, that's for sure)

Unfortunately I will need to hire a car again in a few weeks time. This time I'll be giving a smaller regional firm a go (Arnold Clark) as they seem to have good reviews, no mention of this scam and their full insurance cover is not as extortionate as the big guys.

Take lots of photos of the car before & after and caveat emptor. [/RANT]
 
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Crossover

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Seconded, last year my company car went back in April as the lease was up, and I was on redundancy notice leaving in July. The company opted to rent me a car instead of a new company car, every Monday morning I picked up and returned it Friday lunchtime. I was responsible for the excesses, so opted to buy an annual policy for forty quid rather than over a tenner a day from the hire company!

Just to dig up a thread, do you (or anyone else) know of any good policies for this? Asking on behalf of a family member who is looking to rent a car for a few weeks and, remembering this thread, mentioned about alternatives to the rental waivers
 

pdq

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I have used both Insurance4carhire.com and Questor Insurance. Both appear to have good consumer reviews - luckily I have never had to claim (keeping fingers crossed for upcoming holiday). Both are valid for UK as well as overseas rentals; Insurance4carhire.com also covers courtesy cars from garages so you don't need to pay their cover.

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gazthomas

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Just to dig up a thread, do you (or anyone else) know of any good policies for this? Asking on behalf of a family member who is looking to rent a car for a few weeks and, remembering this thread, mentioned about alternatives to the rental waivers

I have used carhireexcess.com multiple times, including my recent trip to the Isle of Man. Great value and an easy transaction. Mods - I am just a customer of their's and have nothing to gain. Other providers are available!
 

richw

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I used an Insurer that confused.com had under car hire excess insurance. It was a flat 39.99 for the year. I don't remember the name of the actual insurer. Confused only had the one insurer under that category at the time. Questor sounds familiar though,
 
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