There is an error in their T's & C's under clause 7 - insurance at the end of 7.1.1 (highlighted below)
[font="verdana; font-size: 14px; line-height: 1.8"] IN THE EVENT OF LIGHT DAMAGE, YOU WILL BE DEBITED according to the provisions of section 6.1.2.
Section 6.1.2 doesn't exist, I believe they are actually referring to 7.1.2 http://www.europcar.co.uk/EBE/module/render/terms-and-conditions-general-rental-terms
Surely as in this case the clause referring to light damage doesn't actually exists, they are unable to charge you? Worth having another chat with your solictor mate to see if he agrees that they are unable to force a clause that doesn't actually exist on you.
All the vehicles in Europcar's fleet are insured against Bodily Injury and/or Property Damage that you might inflict on a third party as a result of an accident involving the Vehicle. The amounts for such liability cover are available on request in the country of rental.
In particular, you must comply with the rule concerning permitted destinations, as set out in Article "use of the vehicle" above, in order to have the full benefit of the insurance provisions.
Damage to the under body-work and/or roof due to collision with bridges, tunnels, overhanging structures etc., is excluded from the damage cover, unless force majeure can be proved. Exceptions to this regulation may apply in some countries.
7.1 Liability in the Event of Damage to the Rental Vehicle or Theft or Conversion thereof
7.1.1 You will be liable for any damages to Europcar when renting a Vehicle that has been entrusted to you.
Therefore, in the event of theft of the Vehicle or damages caused to it, you must fully indemnify Europcar (the indemnification will include the amounts corresponding to the repair costs, resale value of the Vehicle, loss of use, administration charges...).
The amount will not exceed the market value of the rented vehicle at the time of the event.
This liability may be reduced if you opted for the "reduced liability" plan as defined in Article above.
Therefore, at the end of the Rental, IN THE EVENT OF DAMAGE OR THEFT, YOU WILL BE DEBITED with an amount equal to the non-waivable excess charge according to the tariffs in force in the rental country. IN THE EVENT OF LIGHT DAMAGE, YOU WILL BE DEBITED according to the provisions of section 6.1.2.
You are advised that any waivers you may have chosen will be invalidated if you fail to take reasonable measures for the safety of the Vehicle, its parts or accessories, or fail to comply with all restrictions on the use of the Vehicle or otherwise abuse or misuse it.
You will not be exempt from liability towards Europcar in the case of breach of contract. Therefore, you will be responsible for any financial loss Europcar suffers as a result of such breach and for any relevant claims made by other people. You agree to pay any amounts Europcar spends in enforcing these terms.
THEREFORE IN ANY CASE, NEITHER EUROPCAR NOR ITS OFFICERS, DIRECTORS, EMPLOYEES WILL BE LIABLE TO THE CONTRACTING PARTY FOR ANY AMOUNTS NOR FOR ANY ACTIONS, LAW SUITS OR CLAIMS RELATED TO ANY DIRECT, INDIRECT, CONSEQUENTIAL, PUNITIVE DAMAGES (SUCH AS LOSS OF BUSINESS, LOSS OF PROFIT) ARISING OUT OF OR IN CONNECTION WITH THE RENTAL OR THE USE OF ANY VEHICLE WHEHER THE ACTION IS BASED ON CONTRACT OR IN TORT. YOU WILL INDEMNIFY AND HOLD EUROPCAR HARMLESS FROM ALL CLAIMS, LIABILITIES, DAMAGES, LOSSES OR EXPENSES ARISING OUT OF THE RENTAL AND/OR THE USE OF THE VEHICLE.
If the loss suffered by Europcar is subsequently reduced (recovery of the Vehicle within 60 days, partial or total liability on the part of the Third party), you will receive the corresponding reimbursement.
7.1.2 Light damage (valid only if applicable)
Both at check-out and check-in Europcar will record in the rental agreement all visible light damage to a vehicle in compliance with the detailed list of light damages and repair costs displayed at the counter which you hereby acknowledge. The customer has responsibility of checking that any damage on the vehicle matches that shown on the rental agreement at the start of rental, and must notify the branch as soon as possible if it doesn't.
At check-out unrepaired damage must appear on the rental agreement with the appropriate signatures by you and Europcar. At the end of the rental i.e., at check-in, the identification of any new light damage must be added to the rental agreement. Any new light damage will be immediately pointed out to Europcar, mentioned in the rental agreement, and signed by you and Europcar. This damage will be charged to you at the repair price mentioned in the list displayed at the counter. Where this option is available, you will approve by signing electronically or by signing the relevant paper document.
These repair costs will be directly billed to you by Europcar and will include the cost of the damage repair as well as administration charges, immobilisation costs, spare parts and labour costs. The above-mentioned invoiced repair costs are payable under the same conditions as for the payment of the rental agreement.
Europcar strongly recommends that you carefully read this information available at counter
7.2 Summary of the Optional Contractual Guarantees Offered by Europcar
ALL THE FOLLOWING GUARANTEES ARE ONLY APPLICABLE FOR THE DURATION OF THE RENTAL AGREEMENT AND SUBJECT TO COMPLIANCE WITH THE REQUIREMENTS OF THE TERMS OF SECTION 4.
You acknowledge that you have read and understood the following summary of the terms relating to optional Exoneration and/or Limitation of Liability ("ELL") guarantees and that you may elect to choose any of the optional ELL guarantees by so indicating on the rental agreement.
CDW (Collision / Damage Waiver):
If chosen and indicated in the rental agreement or if included in the rate, this facility will limit your liability for any damage to the Vehicle which is not otherwise recovered from a third party, subject to the Non-Waivable Charge. Exceptions to this regulation may apply in some countries.
NWC (Non-Waivable Charge):
Fixed amount charged for every rental for which CDW has been taken out and where the Vehicle is returned damaged and the repair costs are not recovered from a third party. The amount of Non-Waivable charge may vary from time to time. Details are available at time of rental.
P.A.I (PERSONAL ACCIDENT INSURANCE):
If chosen and indicated in the rental agreement or if included in the rate, this option provides a financial indemnity for you and passengers (subject to permitted number of occupants in the vehicle) in the event of death or permanent disability. The amounts vary from country to country and may also vary depending on whether an adult or a child is involved. Similarly, Partial Disability may lead to lower payment or to no payment at all if disability percentage is below a certain threshold.
Some countries may also provide reimbursement of medical costs under this option.
The PAI coverage is provided by Insurance Company. The terms and conditions of this coverage are contained in a master policy, a copy of which is available upon request. By accepting the PAI coverage you agree to the terms and conditions of the master policy.
TW / TP (Theft Waiver / Theft Protection):
If chosen and indicated in the enrolment form or if included in the rate, this relieves you of your financial liability in the event of the Vehicle being stolen, except where incurred through negligence and/or breach of contract.
Subscribing to the CDW option alone does not necessarily provide this cover. TW may be mandatory in some countries and is strongly recommended in many countries. It may be subject to a non-waivable charge.