Collision damage excess waiver on hired vehicles

Have you ever hired a car and felt uncertain about what kind of insurance you really need for it? Comprehensive hire car insurance typically covers vehicle damage and theft. In the event of a claim, you usually still have to bear the excess. The collision damage excess waiver on hired vehicles covers the excess in case of vehicle damage or theft and is supplementary to the comprehensive insurance.

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The insurance covers hired vehicles with a total weight of up to 3 500 kg.

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The following prerequisites must be met for the insurance to provide cover:

• An excess is charged by the hire company due to damage that occurred to the rental vehicle.
• At least 60% of the costs for the rental vehicle were paid for with a valid Viseca credit card.

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The following maximum insured sum applies per event:

• CHF 10 000: World Mastercard Gold, Visa Gold, Flying Blue World Mastercard and Visa Platinum

There is no policy excess.

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The insurance is included in the annual fee for your Viseca card and does not cause any additional costs.

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The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

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Coverage applies worldwide as well as in Switzerland.

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The insurance covers the contractually agreed excess incurred due to damage to the rental vehicle or due to theft of the rental vehicle during the rental period.

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The deductible is the amount that must be paid by the renter of a vehicle in the event of a claim.

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Items excluded from the insurance cover include the following:

• Damage for which the insurance provider does not require an excess.
• Damage caused by gross negligence on the part of the driver.
• Abuse of alcohol, drugs or medicines.
• Damage to caravans and all types of trailers.
• Damage to taxis, vehicles used as part of a carsharing scheme and driving school vehicles.

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In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please contact your car hire firm in order to discuss how to proceed and have a damage report drawn up. Send us the complete claim documentation.

Send the claim form and the following documents to the insurer as soon as possible:

• Damage report from the car hire company
• Final account from the car hire company
• Acceptance/return record

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

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No. To benefit from insurance cover, you must use a Viseca credit card or, as a mandatory requirement, the credit function of a combined payment card to pay for at least 60% of the vehicle hire.

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The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA
 

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