New subscriber here (get my first car later in the week), have loads of questions that I can’t seem to find answers to directly, and these might be questions that might help other new subscribers so please reply if you can.
Lots of people recommend taking excess insurance from a third party like Insurance4carhire for around £46.99 annually instead of the £20 or £40 addon from Onto itself which is monthly so obviously works out way more expensive. Also, this needs to be taken out BEFORE the subscription starts with Onto otherwise it’s not valid (or not valid for the first month’s contract but since next month’s contract would start after that then that should be fine). Just summarizing above what I have gathered from various threads and replies so if any of the above isn’t correct, then please correct me.
My question then is that only covers in case of theft or accident. What about the small little damages that all add up to by the end of the contract and other posts suggest that these seem to be a lot on the higher side for even the smallest of scratches that should come under fair wear and tear but most people have received a rather hefty bill when returning the car. Is there a way to cover any or all of that?
Second, what if there are two names drivers (me and my partner in our case), do then we need two separate policies from Insurance4carhire as what if I take one from them in my name but the accident happens when my partner is driving (who is named on the car with Onto so insured yes) but not on the third party excess insurance … would I need to take two separate policies?
Thanks in advance; any help would be greatly appreciated as my first subscription starts this week. Any other things I have overlooked pls. do mention. A list of sorts that needs to be done BEFORE signing on would be great.