Trusted, reliable and instant insurance for self-drive hire companies.
Day rate or rate per vehicle basis – trust the experts to advise on what is best for your business
Our ‘buy-right’ experts and introductory premium savings will help get your business moving fast
Free hire desk webcams and app-based solutions to help your hire customers report claims without delay
We can arrange cover the moment you need it, as well as access to a day and night claims team
Our friendly and trained ‘buy-right’ experts will talk you through the options to arrange and renew self-drive hire insurance. We’ll work with you to find the best way to insure your hire vehicle fleet to fit with your business. This is not just from an immediate pricing perspective, but in the longer term too. It will help to give you the flexibility to focus on what is important to you – running your self-drive hire business (while your policy protects it).
We have access to a carefully selected and growing panel of high-quality self-drive hire fleet insurers. This means that we can help you find an insurer that’s able to offer you the right cover at the right price. Because the service providers we work with trust our expertise, we are also able to provide instant self-drive hire insurance, from the very moment you need it.
We’re here when you need us. Place your self-drive hire insurance through Towergate and we’ll immediately appoint a dedicated fleet risk manager. They’ll review claims experience, monitor incident types, and work with you to implement any mutually agreed risk improvement measures that may help you control the future cost of cover. Our team are also available day and night to get your wheels turning and your claims settled as fast as possible.
Self-drive hire insurance through Towergate means you can pay your premiums through a flexible finance plan (subject to acceptance). Thanks to what we believe to be a competitive rate and the payment term being fixed at the outset, your business cash flow can be more effectively managed by spreading the payments. By avoiding the initial outlay of what can sometimes be a significant lump sum premium, capital can be freed up for reinvestment elsewhere in the business.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
The key issue that you need to think about before going down this path, is whether your balance sheet is strong enough to cope with the business paying what may typically be something between the first £10,000 and the first £100,000 of every incident. Ask an experienced self-drive hire insurance broker for their advice.
Thoroughly checking the customer’s driving licence is a vital first step. However, make sure you also validate the licence using the DVLA’s licence validation service, obtain further proof of identity in an insurance-approved format and always take a photograph of the hirer – and never accept cash.
Not always an easy issue to manage. A good start though is to make sure your hire terms include an appropriate clause making it clear that the hirer must not use a mobile phone (even if hands-free) whilst driving – and draw this clause to your customer’s attention. If you are unsure about your legal position, ask a lawyer specialising in transport-related matters for advice.
Have you thought about introducing a telematics-backed hirer incentive scheme that rewards the safest and most fuel-efficient hirer? Talk to us about how an incentive scheme might best be introduced. Your terms of hire may need to disclose the fact that driving style and behaviour will be monitored. We recommend you take advice on this point from an appropriate lawyer.
Most self-drive hire insurance policies are worded in such a way that the excess will be applied to the loss or damage relating to each vehicle involved in the same event. If you have, say, a £500 excess and twelve vehicles were damaged, the total excess is likely to be £6,000.
Exclusions include hire must met the acceptable criteria and have a valid hire agreement. See your policy documents for full details.
If you would prefer to spread the cost of your self-drive hire insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments (subject to acceptance) through our preferred provider.
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