Rent safe with AXA Additional Insurance

Introduction

AXA Additional Insurance is underwritten by AXA Tianping P&C Insurance. Following payment of the premium stated herein and during the effective period of the AXA Additional Insurance, we will provide insurance as described in the following benefit table in the event of accident, injury or loss happening to the insured person during the period of car rental.

A common question asked by our customers is why they have to pay any excess when things go wrong if a motor insurance is already included in the rental price? The problem is - the insurance that comes as standard when you hire a car may not protect you fully. You can still face unexpected costs during your trip because certain repair types and costs are not covered by the car hire company. This policy covers out of pocket expenses when your car gets damaged or stolen, and even the loss in the event of personal accidents. Purchasing at time of booking is almost always less expensive than waiting to purchase coverage at the counter.

Summary of Benefits

The benefit table below summarizes the insurance coverage and respective benefits. For full details of the coverage, please read the Policy. Shall there be any discrepancy between the benefit table below and the Policy, the Policy shall apply and prevail.

	Benefits Table	Maximum Limits Payable(per Journey)
Session1 - Personal Accident	Permanent Total Disablement, Loss of Limbs, Loss of Sight	US$20,000
Session2 - Rental Vehicle Excess	The Motor Insurance Policy Excess incurred in the event that: (i) Direct loss of the rental vehicle (incl. windows, glass, tyres, chassis), whilst the rental Vehicle is driven by the Insured Person; (ii) the rental Vehicle is involved in an Accident that required road rescue fee, towing fee, labor cost, lock or key replacement fee; (iii) the rental Vehicle is stolen; (iv) the rental Vehicle is damaged due to natural disasters during the Journey.	US$6,000
	Loss of leased items or travel documents Loss of rental expenses due to travel documents Parking and replacement fees dut to traffic accident Delay of pick up due to flight delay or cancellation	US$800
	Clean up fee Charges due to misfuelling	US$150
	Automatic extension of the coverage period	Applicable

Exclusions and Limitations

The following limitations and exclusions apply to AXA Full Coverage. For full details of the coverage, please read the Policy. Shall there be any discrepancy between the content below and the Policy, the Policy shall apply and prevail.

Session1 - Personal Accident

No claims will be payable:

(i) Under benefits for Accidental Death and Permanent Total Disablement, unless such benefits occurs within 12 months from the date of Accident;

(ii) Under benefits for loss of limbs, sights, hearing and speech, except on proof that the disablement has continued for 12 months from the date of injury and in all probability, will continue for the remainder of the Insured Person’s life;

(iii) For illness, sickness, disease, any pre-existing physical or mental defect or infirmity, bacteria or viral infections even if contracted by Accident.

Session2 - Rental Vehicle Excess

No claims will be payable arising directly or indirectly from, in respect of or due to:

(i) Any condition under the influence of alcohol or drugs of the Insured Person who is controlling the rental Vehicle during the rental period;

(ii) Loss arising from operation of the rental Vehicle which is in violation of the terms of the rental agreement or applicable comprehensive motor insurance;

(iii) Any illegal or unlawful use of the rental Vehicle by the Insured Person during the rental period;

(iv) The Insured Person is not holding a valid driving license for the country;

(v) Liability other than loss of or damage to the rental Vehicle;

(vi) The rental of the following types of Vehicles: motorcycles, mopeds, motorbikes, trailers or caravans, motor homes, trucks, commercial vehicles, recreational vehicles, off-road vehicles, vans and vehicles with more than 9 seats;

(vii) The first 20% in respect of each and every loss for inappropriate use of rental Vehicles that required extra clean up fee or charges due to negligence refill of incorrect fuel for the rental Vehicle.

Document List of Claim Application

Below is a list of documents required to proceed with your claim. Please prepare and submit the relevant documents through email to support@qeeq.com and make sure the attached documents to be clear scanned copy or photograph. In certain circumstances, more information may be required to substantiate the claim and our customer representative will contact you for more details.

For all types of claims, please provide:

(i) Statement of the loss/accident particulars

- Providing information including location, date and time of loss/accident, type of loss/accident, description of details and amount claimed.

(ii) A copy of Insured Person’s identification card/passport and driving licence from country of residence.

(iii) A copy of the Rental Agreement

- Provided by the rental company at pick-up or drop-off, whilst the driver name should be same as the Insured Person.

For claim application of Section1 - Personal Accident, please provide:

(i) Medical Certificate/Medical Report

(ii) Death Certificate (for death claim)

(iii) A Qualified and Licensed/Registered Medical Practitioner's Certificate confirming the Insured Person is totally and permanently disabled after occurring the accident during the Insured Journey

(iv) Boarding passes, air-tickets etc. that confirm the departure and return dates

For all claim application of Section 2 – Rental Vehicle Excess, please provide:

(i) A copy of the Comprehensive Motor Insurance Policy covering the damaged vehicle;

(ii) For claims of Rental Vehicle Excess, please also provide:

- Incident Report from the Car Hire Company with repairing list

- Original Police Report

- Original Payment Receipt for the Loss/Damage Charges/Rental Vehicle’s Policy Excess;

(iii) For claims of Loss of Leased Items or Travel Documents, please also provide:

- Incident Report from the Car Hire Company with leased items list

- Original Police Report

- Original Replacement Receipt(s) for the Lost Travel Documents

- Original Replacement Receipt for the Lost Leased Items;

(iv) For claims of Loss of Rental Expenses due to Loss of Travel Documents, please also provide:

- Original Police Report

- Confirmation from the Car Hire Company certifying the amount of refund for prepaid expenses

- Original Payment Receipt for the Rental Vehicle;

(v) For claims of Parking and Replacement Fees due to Traffic Accident, please also provide:

- Incident Report from the Car Hire Company with repairing list

- Original Police Report

- Original Payment Receipt for the charges of damage

(ⅵ) For claims of Overdue Pickup Charges due to Flight Delay or Cancellation, please also provide:

- Confirmation from the Airline/Carrier certifying the number of hour of delay & the reason of delay/cancellation

- Original Payment Receipt for the Rental Vehicle

- Confirmation from the Car Hire Company certifying the amount of refund for prepaid expenses;

(ⅶ) For claims of Clean Up Fee or Charges due to Misfuelling, please also provide:

- Incident Report from the Car Hire Company

- Original Payment Receipt for the charges