How to Find Cheap Car Hire Insurance

There are four methods of insuring risks More Auto- involving five or more owned automobiles:

(a) Specified Car Basis: by describing in the policy each automobile owned and applying thereto the basic Manual auto insurance premiums. If hired cars are also operated, by either specifying them in the same manner as the owned cars or covering them in accordance with the “Hired Automobile” rule.
(b) Combination Specified Car and Named Driver Basis: see the “More Automobiles Than Operators” rule. If hired automobiles are also operated, they may be insured in the same manner as the owned cars or they may be insured in accordance with the “Hired Automobile” rule.
(c) Automatic Coverage: see “Automatic Coverage” rule in this section. This basis can be applied to any fleet (whether private passenger, public, commercial or a combination of these types of automobiles) provided the assured owns at least five automobiles. Hired Automobiles operated in connection with a risk insured under this basis may be written in accordance with the “Hired Automobile” rule as found in this section.
(d) Payroll Basis: see “Payroll Basis” rule in this section. This method is available for fleets of commercial and/or public automobiles but not private passenger automobiles, provided the assured owns at least five cars. Hired Automobiles operated in connection with a risk insured under this basis may be written in accordance with the “Hired Automobile” rule.


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