Theft & Damage Excess Protection


CarFlexi Theft & Damage Excess Protection

What is Deductible/Excess?

The most common insurance package, a car rental company usually offers is the collision damage waiver (CDW) that includes an excess/deductible. With CDW it limits the drivers liability/responsibility up to a certain amount (EXCESS/ DEDUCTIBLE) should damage to the rental vehicle occur (if the driver is found to be liable for the accident) or theft to the whole rental vehicle. By returning the rental vehicle in the exact condition as you received it, the deposit will be released/refunded to the driver’s credit card. CarFlexi strongly recommends that you check the car before driving off. Double check if there is any existing damage marked on the contract. We also suggest taking pictures of the car before leaving.

Example: Your booking, in the terms it says the excess/deductible amount is 1000 EUR (1185 USD). At the rental desk the main driver has to leave a deposit (in this case 1000 EUR (1185 USD)) with his/her credit card. Should you have accidental damage or theft, the rental company will charge you an amount of up to 1000 EUR (1185 USD). The remaining amount is covered from the Collision Damage Waiver (CDW). Please note that the amount of excess/deductible depends on the car category and the car rental company. You will find this amount in the Terms & Price details of each offer you can find on our website.


What is the Theft & Damage Excess Protection?

This is a service offered at a very low rate by CarFlexi to its customers. By purchasing our service on the website, you will be refunded for any Excess/Deductible that is paid to the car rental company in case of damage or theft.
Our Theft & Damage Excess protection policy covers:

  • Damage excess up to: 1500 EUR (1777 USD)
  • Theft excess up to: 1500 EUR (1777 USD)*
  • Roof up to: 250 EUR (296 USD)
  • Damages to all bodywork made by 3 named drivers on the rental agreement
  • No distance restrictions from main pick up location
NOTE: For each and every claim the maximum amount we will pay is 1500 EUR (1777 USD) in total.
All refunds will be made in Euros.
*Our Theft protection service covers only theft of the whole car, you must return the keys to the rental company.
Theft & Damage Excess protection policy does not cover any third party liability excess (if applies) to bodily injuries or property damages coverage.

Will I need to pay a deposit to the rental company, if I purchase your Theft & Damage Excess Protection?

Yes, when collecting the rental car the main driver still needs to leave a deposit, as the Theft & Damage Excess Protection is offered from CarFlexi. The car rental company will follow the common rental procedure.


Will I need to pay the excess/deductible to the car rental company?

Yes, in the unfortunate event of theft or damage, the driver will pay the excess/deductible to the rental company. After the end of the rental period you can claim a refund of the excess/deductible amount from CarFlexi.

Will I be offered additional insurance to cover the excess/deductible by the rental company?

Yes, when collecting the car the agent of the car rental company will always offer you extra optional insurances to reduce/eliminate the excess/deductible amount. By purchasing our Theft & Damage Excess Protection from CarFlexi, you do not need to purchase excess waiver insurance at the time of collection.

Does the Theft & Damage Excess Protection cover the whole car?

Our Theft & Damage Excess Protection service covers the excess of the Collision Damage Waiver except its exclusions. The common exclusions are illegal drinking and driving, gross negligence for example fuel error, incorrect use of the handbrake, mechanical damages (clutch, gearbox etc.), driving off road or on unsealed roads, underside, damages to lights, mirrors, windows/windscreen , any part of the wheels/wheel rim/tire, keys and lock / door handle, antenna, towing charges and any damages caused during the towing away, loss of personal belongings, interior of the car, non-authorized driver, administration, engineer and immobilization fee paid to the car rental provider. Any damages due to vandalism, weather or natural disasters, any damage covered by your vehicle rental agreement.

What is the procedure to claim the excess amount from CarFlexi?

All claim must be reported to CarFlexi within 90 days of the rental ending. It is very important to have as much information/documents as possible. Make pictures of the damage; note the date and the address/street name where the damage/accident happened. In the event of an accident involving a third party, it is very important to contact the local police and obtain an incident report/police report. The rental company may require a police report, even if no other cars have been involved.
You will need to submit the following documents in order to have your excess amount refunded by CarFlexi:
The original signed rental agreement, theft or damage report of the car rental company, police report (incident report), evidence of payments deducted from your credit card (receipt and credit card statement). All documentation has to be send by post to the headquarters of CarFlexi.
Our Theft & Damage Excess Protection is a service provided by CarFlexi to give you peace of mind when travelling. Once our service has been accepted it cannot be removed from your booking. However should you, the customer decide that you no longer require the package you can amend your booking online through “My booking” facility or calling CarFlexi customers support.