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DRIVING AND INSURANCE RULES

Call M.Y. Motors in Redruth if you have any questions about our insurance and driving policies.

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Insurance and driving policies

Our insurance and driving policies are available on this page – alternatively you can request a hard copy to be sent to you. Please read the policy carefully and answer any questions truthfully.

  • Insurance questions
    To hire a vehicle you must have your driving licence and know your National Insurance number so a DVLA licence check can be conducted. Alternatively you provide us with a DVLA check code which you can obtain by calling 0300 083 0013 or by visiting their website. • Have you had an insurance proposal declined, a policy cancelled, or renewal refused, been required to pay an increased premium, or had special conditions imposed by any motor insurance company? • Have you any physical or mental disabilities; suffer from diabetes, fits or any heart conditions? • Have you been convicted of any motoring offences in the last 5 years, had your licence suspended in the last ten years or are there any prosecutions pending? • Have you had any accidents and/or claims in the last 3 years (36 calendar months)? • Have you held your licence for at least 12 months (2 years for drivers under 25 and for minibuses, tippers, and MPV’s) • Are you aged 21 to 75 years for vans and cars, 25 to 75 years for MPVs, 25 to 70 years for minibuses (or 65 if no D1).
  • Security deposits
    To hire a vehicle we must hold a security deposit on your CREDIT OR DEBIT CARD ONLY. The amount will not be taken from your account, but your card issuer WILL freeze it for up to 10 days, sometimes longer depending on the type of account you use. You can expect the amount to be available within 10 to 15 working days. Please be aware internet only banks or non UK banks have their own timescales and will take much longer. Monzo & Starling are particularly slow - sometimes up to 6 weeks and this is down to their rules not ours. If you have a raised excess, we will need to hold a deposit to match. All vehicles will require a £200 deposit apart from: • Non-UK licence holders - £700 • Overseas hires - £1,000
  • Insurance policy
    All our hire vehicles have fully comprehensive insurance, however there is an excess of £500 (all damage and including tyres, wheels, and windscreens. Any underside damage and key loss/damage is in addition to the excess). If you have a non–UK driving licence you will have an Insurance excess of £700. You are liable to pay the excess if the vehicle is damaged. If the damage is caused by a third party we will pursue the claim, but you must obtain their details and you will be held liable if you fail to do so. You may choose to pay the waiver to reduce the excess down to £100. If you have a non–UK licence or you have a raised excess, the waiver will halve the security deposit and the amount you are liable for. Collision damage waiver for the majority of our vehicles costs £12.00 per day (£14.40 inc. VAT). The vehicle is your responsibility until it is checked in by us at the end of your hire period or the next working day if left out of hours. Customers are politely reminded not to smoke in any of our vehicles and there will be a cleaning charge for any unacceptably dirty vehicles, or any that smell of smoke or are covered in pet hair. A £15 administration charge will be raised for any parking or speeding tickets. We recommend that you take a photograph or video of the vehicle prior to taking it away.
  • Booking policy
    If you book less than 4 weeks before rental commencement - full payment is required. If you book 4 weeks or more before rental commencement, then a deposit of 25% of the hire cost or a minimum of £25 is payable (whichever is greater). Full payment of the hire is then required 4 weeks prior to the booking date.
  • Cancellation policy
    If you cancel: More than 2 weeks before rental commencement, we will give you a full refund minus £5 administration fee. Between 2 days and 14 days before rental commencement - 30% of the rental fee will be refunded. Less than 2 days before rental commencement - No refund will be given.
  • Additional rules if you are hiring a minibus without a D1 category on your licence
    Please read these rules carefully and answer honestly: Are you over 25 and under 65? Have you held a full driving licence for more than 2 years? Are you driving the minibus solely for social purposes as a non-commercial body? Are you driving the minibus on a voluntary basis and not charging passengers (i.e. no money can change hands between the driver and the passengers, even fuel money)? Are you towing a trailer? Will you drive the minibus outside the UK? IMPORTANT NOTICE from Cornwall Council - Please ensure that you familiarise yourself with the terms and conditions of hire before signing the rental agreement. Your attention is drawn to the fact that any authorised drivers must not use the vehicle to carry passengers for hire or reward. To use a vehicle for this purpose invalidates the insurance provided under the rental agreement and constitutes an offence.
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