Car Hire

Statistics published today by Cartell.ie indicate that buyers have a 1 in 4 chance of purchasing a two year old vehicle with finance outstanding. Unsurprisingly finance companies can and do repossess vehicles.

Cartell.ie, Ireland’s online car history checking company has discovered a worrying trend in the second hand car market that could have serious financial implications for used car buyers.

Statistics published today by Cartell.ie indicate that buyers have a 1 in 4 chance of purchasing a two year old vehicle with finance outstanding. From a sample of over 5906 vehicles offered for sale and checked on the Cartell.ie website, the figures show that for 2008 and 2007 registrations, the percentage of vehicles on finance is 26 and 23% respectively

Jeff Aherne of Cartell explains,”Once again we urge buyers to be extra vigilant when it comes to checking the financial situation of a second hand car. Car finance differs from personal finance in that the finance company holds an interest in the vehicle until all monies have been paid. Unsurprisingly finance companies can and do repossess vehicles. Only in certain circumstances can a buyer of one of these vehicles get to keep it without paying the balance.”

Consumers have the ability to check before they buy with companies like Cartell.ie and therefore the defense of innocent purchaser is less applicable.

Usually car finance terms are three to five years. However it cannot be taken for granted that a 2005 vehicle is clear of finance just because the current year is 2010. It can be seen from the graph that 16.5% of 2005 vehicles offered for sale are still on finance. Even for 2002 vehicles the finance rate is still 7.1%. It’s not until you purchase a 2001 vehicle that the likelihood of it being on finance drops to 2%. One of the reasons for this is that the value of the 2001 car is such that financing it as a used vehicle would not make sense.

The 2009 figures buck the upward trend for vehicles on finance. Only 15.56% of the 2009 vehicles checked were on finance. This means that there is a greater chance of the 2005 vehicle being on finance than the 2009 vehicle.

It also proves that finance was not given out at the same rate as previous years and that the car industry will find it difficult to recover while funds are unavailable. Below are the top five finance companies which return a match for finance on the Cartell.ie system when a vehicle for sale has been checked. This does not represent market share however.

◦Irish Permanent Finance – 20.6% offered for sale with finance owing
◦Lombard & Ulster – 15.4% offered for sale with finance owing
◦Allied Irish Bank – 15.1% offered for sale with finance owing
◦GE Woodchester – 14.7% offered for sale with finance owing
◦Bank of Scotland Ireland 13.5% offered for sale with finance owing

Clearly the message Cartell.ie is trying to convey is that you need to check before buy and also if you do have a vehicle on finance and you are in difficulty, contact your lender to arrange a payment extension or some other method of payment reduction. Do not sell your vehicle to someone who could have the vehicle repossessed on them by your lender, as no decent person wants to cause financial hardship to another.

If you have bought a vehicle on finance, or have received a letter of intent from the financial institute looking to repossess, contact a solicitor immediately.

Source: Cartell

Looking for insurance products in Ireland? ( Property - car hire excess - Travel and more) Visit www.irishpropertyinsurance.com

South African Car Hire Fleets Increased by 20% To Cope With World Cup Demand

Holiday Autos , the world’s largest car hire broker, has been working with its partners to make more cars available to hire during the World Cup period.

Larger vehicles such as SUV’s, mini buses, minivans and motorhomes have been amongst the first vehicles to be snapped up and are now practically sold out. However, those looking for smaller vehicles such as a Renault Clio or Ford Focus can still find cars available, if they are quick. Prices start from £140 for a 7 day rental.

Stuart Nassos, Managing Director for Holiday Autos says: “Normally car hire is one of the last parts of a holiday to be booked. Over the last year the industry has seen a reduction in overall fleet sizes in key locations making availability an issue, so booking at the last minute is risky.

“Busy booking periods, such as the World Cup and summer holidays, will always prompt a supply shortage. We are keen to ensure that holidaymakers don’t end up with a car that doesn’t suit their needs or pay over the odds and so have been working hard to make more cars available during the forthcoming World Cup period.”

More information about holiday autos:
Holiday Autos is the world’s largest car hire broker operating in over 5,000 locations around the world. Working with partners including Avis, Alamo, Europcar, Sixt, Hertz, National, Thrifty and Budget, holiday autos offers competitively priced car hire and a high level of service to all its customers. As well car hire, holiday autos also offers campervan hire, van hire, prestige and hybrid car hire as well as chauffeur drive services.

Travellers can book online at http://www.holidayautos.co.uk/cgi-bin/liveweb.sh/QSearch.w?ctryref=GBR&lang=EN&aff=xjeffreymilnerltd

Brisbane is one of the most well-known and densely inhabited cities of Australia. It is the capital of the Australian state Queensland and the third most heavily populated city of Australia. It is located on the banks of the Brisbane River. The place is quite beautiful and flooded with visitors throughout the year. Right from the sight seeing locations, sporting activities to fine arts and entertainment options the place has got a lot to offer the its tourists. In addition to the Brisbane River some of the other renowned tourist destination spots of the Brisbane city are the- Brisbane botanic gardens, south bank parklands, Forest park, Roma street parkland, eagle street, and Portside Wharf. Flying down to this place is not a matter of concern because of its connectivity to all other nation’s airports. And above all what’s the bonus point in these trips is the facility of easy car hire at Brisbane airport. You can lease a car straight from the airport and enjoy the Brisbane tourist locations with complete ease.

Once you have landed at this place the amenity of car hire in Brisbane will make it simple for you to go to any location at any point of time that suits you the best. If you are also planning to make car hire reservations for your Brisbane holidays, then don’t worry at all. You just have to online and make bookings with the car rental agencies that sound most feasible to you. There are many websites available for the purpose. Once done with the reservation process the facility of car rental at Brisbane would endow you with out of the ordinary holidays.

Credit Identification is required by every car rental company. You must show that you are financially responsible for the vehicle that you rent. Some companies only take major charge or credit cards, and some take debit cards. Some companies have a cash qualification card that you can apply for, but this process usually takes about 4 - 6 weeks to process. If approved, you would be issued a cash rental ID card and be able to rent with that particular company any time, using cash.

Let's start with the car rental company's definition of a charge or credit card and a debit card.

A major charge card or credit card is one for which you receive a monthly statement and that is not tied in any way to your bank account. Common credit cards that are accepted would be American Express, Visa, MasterCard, Discover and Diners Club.

A debit card (even those with a Visa or MasterCard Logo) is credit covered by your checking account. Your funds are limited to the amount in your account. Any amount you charge with this card is automatically debited from your bank account.

Many car rental companies do not accept debit cards because your financial responsibility for the vehicle would be limited to the amount of money in your bank account.

Many people do not know that a rental company can charge your credit card even beyond your credit limit. For example, if you didn't take the car rental insurance, and wrecked the vehicle, the rental company would, and can, charge the full amount of the vehicle to your credit card! You can imagine the nightmare of trying to pay that balance off!!

With a debit card the rental company has no way to recoup charges like this. For them it would be the same as you handing them a check for the rental costs and then trusting that you would bring the car back in one piece and on time, full of gas!

If a car rental company accepts your debit card make sure to check about any additional information that would be required. Most companies that accept a debit card will also require a credit check at the rental counter and more of a deposit than they require with a regular charge card. Call your rental location directly for information on what the credit check entails. There may also be age restrictions even if the company accepts debit cards.

Note: For most car rental companies, renters under 25 years of age may not use a debit card as Credit Identification at the beginning of the rental. Also, even if a location will accept a debit card from the renter, they may not allow an additional driver to use this type of credit card.

Some car rental locations do not accept debit cards at time of rental to release the vehicle, but do accept debit cards for payment when you return the vehicle.

A prepaid debit card is a one-time use, or reloadable card. You may receive this from your tax return or as a reward or "gift card". These types of debit cards will not be accepted as credit identification. You should check with the rental car company to see if this type of card would be accepted as a method of payment at the end of the rental.

Deposits or Holds at the beginning of the rental

When you pick up your rental, you will be required to leave a deposit on your credit card (or debit card if accepted). Generally, at the time of rental, rental agencies will require a credit card hold of at least the total estimated charges. Your deposit type and amount will vary according to the company you rent from and the individual location.

You must have the deposit amount required available on your card. This amount will be held or frozen until the rental is returned. When you return of the car, all holds will be released, and the actual cost of the rental will be charged, or you may pay in cash.

Note: your bank may take up to two weeks to post the released credit holds.

Using someone else's Credit Card

This is not allowed. At the time of rental, you must present a valid driver's license and credit card with your own name imprinted on it. The name/address on the credit/debit card MUST match the name/address on your driver's license.

Giving your credit car number when making a Reservation.

The majority of rental companies do not require that you give your credit card number when you are booking a reservation.

Most of the time! There are some exceptions.

Credit card information is sometimes required when booking a specialty vehicle (example: 12 passenger van) or a high demand vehicle during a peak rental season (example: renting a minivan in July or August). If a credit card is required to book a vehicle, then you should check to see what the cancellation policy is and if there is a no-show fee.

Also, if you book a prepaid reservation through Hotwire or Priceline, you will have to give your credit card information because you will be paying for the rental up-front.

Carefully read the terms and conditions for these sites. You are often able to get a cheaper rate, but they are non-cancellable, non-modifiable and non-refundable.

For more tips on car rental qualifications, discount codes, coupons, policies and more, please visit my website below.

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The Sunday Mirror ran a story on Sunday 16th May 2010 entitled " Investigation reveals car hire costs us more than holiday"

The consumer investigation said "Renting a car for a summer holiday abroad can now cost more than the package deal, a Sunday Mirror investigation shows.

Rental charges have surged, with prices in Spain almost 200 per cent more than they were two years ago."

Industry experts expect prices to soar again this summer because of a shortage of cars. Rental firms cut fleets because of the world recession - and will now force up prices.

The Sunday Mirror compared the cost of hiring a medium-sized family car during next month's school half-term with online package deals.

Stephen Hayward's article quoted these high costs.

Cooperative Travel are offering seven nights' self-catering in Faliraki, Rhodes, for £284 per head while a car on the Greek island with Avis costs £360 for the week.

On Spain's Costa Brava, a week's bed and breakfast with Bookable Holidays is £278 per person, while a car costs £300 with Nationalcar. At Alicante, Spain, the daily car price has jumped from £16.50 to £31.

Gareth Robinson of carrentals.co.uk, which tracks the cheapest deals, said: "The recession has had a major impact with hire firms unable to increase the number of vehicles due to lack of funding.

"A limited supply of cars has restricted availability and seen prices increase - a trend set to continue this summer."

There was a hire car quote in Crete for example with the dearest car hire deal being an Opel Astra at Avis Costing £361.12 or cheapest being a Ford Focus at Alamo Costing £205.49

There were numerous examples and the Sundat Mirror article suggests where to get the best deal from:
You can save hundreds of pounds on holiday car hire by shopping around.

No one car hire firm or buying method - phone or online - is consistently the cheapest or the most expensive.

Comparison websites such as travelsupermarket.com and carrentals.co.uk are good for finding the lowest prices.

But brokers such as Holiday Autos ( http://www.holidayautos.co.uk/cgi-bin/liveweb.sh/QSearch.w?ctryref=GBR&lang=EN&aff=xjeffreymilnerltd ) and Holiday Cars Direct also offer reasonable deals by negotiating rates with car hire companies. Airlines and tour operators can also be a good bet as they usually have an agreement with one of the international car hire firms.

You can sometimes get a cheaper deal through links on their websites rather than contacting hire firms direct. But these prices are still unlikely to match those on cost comparison websites."

The article went on to mention car hire insurance, a popular topic on this blog. "The biggest bugbear for drivers hiring a car abroad is all the pitfalls associated with insurance.

Some firms charge you the first £300 of any repair bill, others as much as £1,000.

Extra insurance known as excess waiver is essential if you don't want to get stung for a tiny dent.

Most hire fees include basic insurance. But you should also say yes to the excess waiver, likely to be £5-£10 a day. If you are offered this when you pick up the car, check you haven't already paid for it via a separate policy with your UK supplier, often much cheaper. Airport reps often try to sell you more cover regardless of what you've arranged at home. Daily and annual policies are also available.

That should allow you to claim back any excess should you damage the car.

Rochelle Turner of consumer group Which? said: "Check the extra waiver covers you for everything. Some won't cover the windscreen, wheels, tyres, roof or underside of the car."


No individual providers were quoted, but by following this link http://www.insurance4carrental.com/#Click There are a few to choose from here.

Could we be in for another summer of car hire shortages as last year? It is sensible to book early so at least you can guarantee the price and car. One car hire representative told us last August that the way they got round the shortage of car hire vehicles was to put the prices up! We don't want too much of that this year, thanks.

Full Sunday Mirror report here http://www.mirror.co.uk/news/top-stories/2010/05/16/investigation-reveals-car-hire-costs-us-more-than-holiday-115875-22261647/

Why should anybody who doesn't own a car even bother about owning a car insurance policy. This is such a brilliant question. Owning a car insurance policy despite not having a car would be a smart decision in a number of situations to be discussed shortly.

You may not need a personal car for your daily movements if you live in a big city with an efficient mass transit system. You can easily go to a car rental service whenever you want to go for a picnic or vacation.

Along with providing you with cars for the period you want to use a private car, these rental companies also sell car insurance policies that cover you throughout that period. This may not really amount to so much if you rent a car once in a long while. The opposite is the case if you rent a car often making it more expensive than getting a non-owner car insurance policy.

Another reason will become apparent if you intend to borrow a car. Everybody will feel more comfortable lending you their car if they know you are so thoughtful as to even get a car insurance policy. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very thoughtful? People like dealing with people who show that they are responsible.

Before you run with the wrong impression, let me clarify something about a non-owner car insurance policy. Your non-owner's policy cannot override the car owners policy. This policy gets to work if the car owner's policy cannot cover the damages caused. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of $27,000. Your non-owner's policy will not be touched if the car owner's liability limit is $30,000. This will not be the case if his/her liability limit were to be half the amount. In such a situation your non-owner's policy will come into effect to take care of the deficit.

It is very important, if you have anything to do with car insurance, that you learn how to make huge savings because of the disparity in rates by insurance companies. It is very ethical and lawful and can save you up to $1000.

If you'll like to make up to $1000 in your car insurance then you've got all you need. Just follow the links in the resource box.

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Halo Insurance Services Ltd becomes ABTA partner

Halo Insurance Services Ltd, and its registered trading name, iCarhireinsurance.com, have been awarded membership of ABTA’s Trade Industry Partner Scheme.

ABTA represents over 5,800 travel agents and tour operators throughout the British Isles. Its Trade Industry Partner Scheme is open to companies involved in the travel industry and is designed to strengthen links between travel industry suppliers, ABTA and ABTA members

The Trade Industry Partner scheme has been in operation since 1996 and includes tourist boards, accountancy firms, legal practices, airlines, PR companies, insurance companies and many other leading businesses involved in the travel industry. Whilst not bound by ABTA’s membership rules and code of conduct, partners are required to adhere to the scheme rules.

Halo will be a valuable ABTA partner. It’s new product, iCarhireinsurance.com is a groundbreaking new online insurance service that takes the jargon, hassle and expense out of car hire insurance by offering policies that are cheaper and more comprehensive than those sold at car rental desks, can be used with all car rental agreements worldwide, and quick and easy to choose and buy.

Ernesto Suarez, Founder and CEO of Halo Insurance Services Limited said, “We are proud to be a Trade Industry Partner of ABTA and look forward to working closely with other ABTA members and partners.”

If you would like to know more about iCarhireinsurance.com car hire insurance products visit this page http://www.insurance4carrental.com/iCarhireinsurance.htm

This video shows you how to get the best car insurance quote with a top-rated company.



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Do you need some tips for car hire in Spain? Every year, Spain draws tourists to its various tourist destinations like anything. Generally tourists prefer to travel around in Spain by car. Hence your search for some tips on the same is reasonable.

There are numerous internet sites offering car rental deals in Spain. Browse through these sites and book the best car you would like to have for your journey. Many car hire companies will offer very attractive rates to upgrade your car hire locally at the pick up point. You might even get a complimentary upgrade if the model you have selected is in strong demand. It is always worth asking at the rental counter if there is any possibility of an upgrade at the collection point.

If you are looking for tips for car hire in Spain, you should always check the terms and conditions of your rental contract prior to confirming the reservation, especially the amount of the insurance. As it may appear that you have got the best car hire quote but the insurance policy may be subject to a prohibit high insurance excess which could prove to be very costly in the event of an accident even a minor prang. Another tip for car hire in Spain is that you should try to pay in full at the time of the car hire reservation and in the currency of your credit card.

Take more tips for car hire in Spain. Book your car hire early, especially if you have a specific vehicle or type of car hire in mind. And if you have preference on automatic or manual transmission, ensure that it has been specified. Car hire companies request for the rental car to be returned at the end of the rental period with a full tank of petrol. It is a good idea to fill the car close to the return location. If you are traveling with your family then here is one more tip for car hire in Spain. If you are going to need a baby car seat and specific type of car seat, then you must notify it to the car rental companies in advance. Most of the car rentals have GPS installed in their vehicle now a days but still its better you check it before you book it. And never forget your driving license, Identity card or passport and the credit card while you go to pick up point.

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