Renting a car overseas or in Australia means you can travel on your own terms. But there’s nothing worse than being footed with a huge excess bill if your rental vehicle is in an accident, gets stolen or is vandalised. Rental vehicle insurance excess is available on our Explorer and Explorer Pro plans.
Our rental vehicle insurance excess provides excess coverage for rental convertibles, campervans and motorhomes, as long as the vehicle is under 6 tonnes.
If your rental vehicle is damaged while in your control, we can pay the lower of the rental vehicle insurance excess or the repair costs.
If your rental vehicle is stolen while in your control, we can help by paying the rental vehicle insurance excess that would be owed to the rental company.
Our Explorer and Explorer Pro plans include rental vehicle insurance excess cover - along with your choice for trip cancellation cover and varying luggage cover limits.
~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.
Trip Extras let you build on your base policy, before you go or while you're away. Whether you want increased limits for your valuable items, extra cancellation cover, or pay-per-day cover for activities like skiing, motorcycle riding or cruising - just add what you need.
Rental vehicle insurance excess is the amount a hire company can charge you after damage or theft of your rental vehicle, and it varies wildly between providers and regions. A few things are worth thinking about before you book.
Excess amounts are almost never standardised. They vary significantly between countries and between providers, and one-way or campervan hire can carry loaded excess amounts on top of the baseline. Ask before you book, and note the figure you'd actually be liable for.
The rental vehicle insurance excess cover excludes damage sustained on unsealed surfaces, so unsealed-road, off-road, and beach driving sit outside the scope of the cover. If your trip includes any of that, factor it in before you book, and check the rental agreement for any additional restrictions the hire company applies.
Hire companies sometimes apply age-related or licence-related excess loadings on top of their base excess. Read the rental agreement before you book so you know the figure you'd actually be liable for.
Rental vehicle insurance excess cover is generally designed to help with the insurance excess a hire company can charge you under the rental agreement after a covered event. Below is a short walkthrough of the scenarios the cover is typically designed to respond to.
If the rental vehicle is damaged during your hire and the hire company applies their insurance excess to you under the rental agreement, that excess amount is what the cover is generally designed to help with, up to the limit set out in the PDS. Common scenarios include a parking-lot bingle, a single-vehicle incident, and damage from a collision where the hire company holds you liable.
If the rental vehicle is stolen during your hire and the hire company holds you to the insurance excess under the rental agreement, that excess amount sits within the scope of the cover, subject to the conditions in the PDS.
The cover applies to rental vehicles broadly, so cars, and campervans and motorhomes under 6 tonnes are all generally within scope. Hire companies often apply higher base excesses on campervan and motorhome bookings, so checking the rental agreement before you book gives you a clear sense of the figure the cover would respond to.
Here are some helpful tips to consider ...
Only pay for the extra cover you need on the days you actually need it.
Update your policy on your trip so you can embrace travel spontaneity.
Get 24/7 access to our medical and emergency specialists.
