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Clear Vehicle Insurance and Protection

Drive away from Cargo Hire knowing you're fully protected and fully informed. We believe you should understand exactly how we cover you and the vehicle before you ever turn the key. As a family-run vehicle hire company in Rochester, Kent, with over 35 years' experience serving Medway and the surrounding areas, we've built our name on honest, straightforward service. This page explains your standard insurance cover, your financial responsibilities, and the exclusions that apply — clearly and upfront, with no surprises.

Important Policy Exclusions

Some situations sit entirely outside your insurance cover. In these cases, the excess cap no longer applies, and you become responsible for the full repair bill. These are standard exclusions across the hire industry — but it's vital you know them before you set off.

Driver Negligence

Your cover does not extend to damage caused by careless or unlawful driving. You'll be fully liable for damage resulting from:

  • Reckless or dangerous driving — Including ignoring traffic laws.
  • Driving under the influence — Of alcohol or drugs.
  • Wrong fuel — Any mechanical damage caused by misfuelling the vehicle.
Important Policy Exclusions

Glass, Tyres and Interiors

The standard policy does not cover everyday wear-and-tear damage or specific components, including:

  • Tyres and wheels — Punctures and alloy wheel damage.
  • Glass — Cracked windscreens and broken side windows.
  • Interiors — Rips, stains or burns to seats and the dashboard.

Overhead Impacts

You're responsible for the full cost of any roof or overhead damage. This includes impacts from:

  • Low bridges
  • Overhanging branches
  • Car park height restrictors

Take extra care with height limits when hiring our larger commercial vans. A moment's awareness here can save a significant repair bill.

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Frequently Asked Questions

Still have a question before you book? Here are the ones our customers ask most.


Yes, in many cases. If you hold a comprehensive fleet policy, we may be able to hire on your own insurance, subject to checks and approval. Just speak to our team about setting up a business account and we'll confirm what's required.


If a third party is at fault, we'll guide you through the claims process and work to recover costs from their insurer. Report the incident to us as soon as it's safe to do so, and keep any details of the other driver and vehicle.


We secure a deposit through a pre-authorisation on your payment card at collection. This isn't an actual charge — it simply reserves the funds. Once you return the vehicle in its original condition, we release the deposit straight away.

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Drive with Confidence

We're committed to fair, honest vehicle hire from start to finish. Want to talk through your insurance, excess or cover before you book? Our friendly local team in Rochester is always happy to help.

Get in touch today, or book your vehicle online in minutes.

Get a quote

Or call us today on 01634 722289