Insurance, Cover & Damage

Is insurance included in the hire?

Yes. Insurance is included in the price of every car hired through Autofusion. Most partners include fully comprehensive cover, while some higher-end supercars come with third-party cover only, so check the listing before you book.

What does the insurance cover?

Fully comprehensive insurance on Autofusion covers damage to the hire car, theft and damage to other people's property and vehicles, above your excess. Some higher-end supercars come with third-party cover only, which covers other people but not damage to the hire car itself.

Is there an excess amount?

Yes. Every car on Autofusion has an insurance excess, shown on the listing before you book. It's usually between £6,000 and £25,000 depending on the car, and it's the most you pay towards damage or theft covered by the insurance.

Can I reduce the excess?

Yes. Where the partner offers it, you can reduce the insurance excess to £5,000 or £700 when you book on Autofusion. It costs around £35 to £80 a day depending on the car, and the full price is shown at checkout.

What happens if the vehicle is damaged?

Report any damage to Autofusion within 24 hours. If the damage is covered by the insurance, you pay the repair cost up to your excess; if it isn't covered, such as tyres, wheels or glass, or damage caused by negligence, you pay the full cost.

What should I do in case of an accident?

Make sure everyone is safe, call the police if anyone is injured, photograph everything and report the accident to Autofusion within 24 hours.

Am I covered for driving abroad?

You're covered to drive anywhere in England, Scotland and Wales. Any trip that needs a ferry, including Northern Ireland, the islands and Europe, must be agreed with Autofusion before you book.

Are additional drivers insured?

Yes, as long as they are named on the booking and pass the same age and licence checks as the main driver. Anyone who drives the car without being named is not insured.

What is not covered under the insurance?

Tyres, wheels, windscreens, punctures and lost keys are not covered by the insurance on cars hired through Autofusion, so you pay the repair or replacement cost. Cover is also void if the car is damaged through negligence or misuse.

What happens in case of theft?

If your hire car is stolen, tell the police, Autofusion and the partner immediately, and no later than 24 hours. You pay the full excess shown on your booking.

Who is responsible for the vehicle during the hire?

You are. The hirer is responsible for the car from the moment it's handed over until the partner checks it back in, including any damage, fines and fuel, and keeping it secure.

Does insurance cover tyres and windscreen damage?

No. Tyres, wheels and windscreens are not covered by the insurance on cars hired through Autofusion, and reducing the excess doesn't change this. You pay the repair or replacement cost.

What happens if I lose the keys?

Lost or damaged keys are not covered by the insurance, so you pay the replacement cost, usually £300 to £750 depending on the manufacturer. Tell Autofusion and the partner straight away.

Am I covered for breakdowns?

Yes. Breakdown cover is included as standard by Autofusion partners. If the car breaks down, contact the partner or Autofusion and we'll make sure a replacement car is provided for the rest of your hire.

What is considered negligence?

Negligence is careless or reckless use of the car that the insurance won't cover. On Autofusion this includes using the wrong fuel, track use, letting an unnamed person drive, drink or drug driving, careless or dangerous driving, and leaving the keys in or with the car.

Are punctures covered?

No. Punctures are not covered by the insurance on cars hired through Autofusion, so you pay the cost of the repair or a replacement tyre.

Do I need to report minor damage?

Yes. Report any damage to Autofusion within 24 hours, however small, including scratches, scuffs, dents and kerbed wheels. Unreported damage found at return can still be charged, and it's harder to resolve fairly.