Car Rental Travel Insurance

Going on a holiday and planning to hire a rental vehicle? Then make sure you have 1Cover's travel insurance because we automatically include rental vehicle excess cover.

Why you need cover for Rental Car Excess

Whether you’re in Italy, or you’re travelling within Australia, if your rental car is involved in an accident, is damaged, or is stolen, you could be liable to cover the cost of the rental car excess which can cost you thousands of dollars.

When you have a 1Cover Comprehensive policy, you’re automatically covered for rental car excess (or the cost of repairing the rental vehicle if this is cheaper). 

That means if you hire a rental car and it is involved in an accident, is damaged or stolen, then we’ll cover you for up to $5000 for the excess that could be charged by the rental car company - whether the theft or damage was your fault or not.  Keep reading to find out exactly what rental car excess is and what you’ll get with your 1Cover policy. 

What is rental car excess?

 

Avoid Ben and Susie's fate and make sure you're covered today!

Features and Benefits of Car Rental Excess Insurance

  • You have provision to claim even if the damage or theft to your car was not your fault. Our policies will automatically cover you up to $5000 for the rental car excess that could be incurred in the event of an accident, whether it's your fault or not.

  • Increase and protect yourself from exorbitant rental company fees. When you’re purchasing your policy, you can increase your excess amount to $6000, $7000, or $8000. This is particularly useful for larger vehicles, such as campervans.

  • Cover for accidents, damage or stolen vehicles. Cover is provided for the rental excess (or the cost of repairing the rental vehicle if this is cheaper) if you hire a rental car and it is involved in an accident, is damaged or stolen.
  • Cover for return of your rental car. You have provision to claim for $500 to return your rental car, if you are seen by a medical advisor and you are deemed unfit to return the car yourself.

Plus you'll get cover for all the other things that may go wrong on holiday. With our overseas comprehensive policy you'll be covered for lost luggage, cancellation of trip , medical emergencies and much more. 

Please read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply. Find out all the things you can do to make sure you hire a car safely.

Table of Benefits - Rental Vehicle Excess Travel Insurance

Rental vehicle excess is included in most of our travel insurance policies (except for Medical Only). Check out the full list of benefits for these policies below. 

Policy Benefit Overseas Comprehensive
(Single-Trip & Frequent Traveller)
Domestic Comprehensive
(Single Trip & Frequent Traveller)
MEDICAL
   

Overseas Emergency Medical Assistance

Unlimited

x

Overseas Emergency Medical & Hospital Expenses

Unlimited

x

Includes Dental Expenses (per adult)

$1,000

x

Resumption Of Journey

$3,000

x

Hospital Cash Allowance

$5,000

x

Accidental Death

$25,000

$25,000

Permanent Disability

$25,000

x

Loss of Income

$10,400

x
LUGGAGE
   

Credit Card Fraud & Replacement

$5,000

x

Includes Travel Documents & Traveller's Cheques

Yes

x

Theft Of Cash

$250

x

Luggage & Personal Effects

$15,000

$15,000

Luggage & Personal Effects Delay Expenses

$250

x
CANCELLATION
   

Additional Accommodation & Travel Expenses

$50,000

$50,000

Includes Family Emergency

Yes

Yes

Includes Emergency Companion Cover

Yes

Yes

Cancellation Fees & Lost Deposits

Unlimited

Unlimited

Disruption Of Journey

$1,000

$1,000

Alternative Transport Expenses

$5,000

x
ANCILLARY
   

Personal Liability

$5 million

$5 million

Domestic Pets

$500

x

Domestic Services

$500

x

Rental Vehicle Insurance Excess

$5,000

$5,000
Rental Vehicles Excess Add-On 
Choice Of:
$6,000
$7,000
$8,000
Choice Of:
$6,000
$7,000
$8,000

 

 

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FAQs About Rental vehicle excess cover

  • What’s Covered Under Rental Car Excess Cover?
  • There are several rental vehicle excess cover amounts across our different plans. We will reimburse you up to the rental vehicle excess insurance amount listed on your policy, covering any excess or deductible you become legally liable to pay under your rental vehicle hiring agreement.

    It is payable if your rental vehicle is involved in an accident while you are driving, or if the rental vehicle is damaged or stolen while in your custody.

    Please be aware this benefit does not take the place of rental vehicle insurance. Also, the following conditions must be met for cover to be available under this benefit:
     
    1. The rental vehicle must be rented from a recognised rental agency;
     
    2. The hiring arrangement must incorporate motor vehicle insurance or damage waiver against loss or damage to the rental vehicle; and
     
    3. You must comply with all requirements of the rental agency under the hiring agreement and, if applicable, the insurer under such insurance.

  • If I Have Car Hire Excess Cover, Do I Need To Purchase The Additional Cover Offered By The Rental Company?
  • If the car company is offering you additional cover they are usually referring to an excess reduction fee which is paid to the car company to reduce the excess on the motor vehicle insurance to $0.

    1Cover offers you cover for this rental vehicle insurance excess. But note that this doesn’t take place of the rental vehicle insurance.

    We don't cover you for personal liability while driving/riding - this cover should be sought through your car rental company.

  • Are scooters and motorcycles covered under rental car excess cover?
  • Rental vehicle excess cover is not applicable to scooters and motorcycles, and is also not available with our Medical Only policy.  

  • When Making A Claim For Rental Vehicle Excess What Documents Will I Need?
  • You must provide a copy of:
    • your Rental Vehicle agreement;
    • an incident report that was completed;
    • repair account;
    • an itemised list of the value of the damage; and
    • written notice from the rental company or agency advising that you are liable to pay the excess or liability fee.

  • What Kind Of Vehicles Are Covered?
  • When we refer to “Rental Vehicle” we mean a campervan/motorhome that does not exceed 4.5 tonne, a sedan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.

  • What Is Not Covered With Rental Car Excess?
  • Rental car excess doesn't take place of normal car insurance, and we won't pay any claims if you violate your rental car agreement.
    Additionally, if you're affected by alcohol or illegal drugs we won't be able to pay your claim.

    If you don't hold the correct licence for the vehicle you're operating then you won't be covered. A correct license means a New Zealand driving license, and wherever a New Zealand driver's license is not valid, you'll need to have an additional international driver's license as well. Terms and conditions, limits and exclusions apply. Please see PDS for full details.

 

READ ALL Rental vehicle excess cover FAQS

 

 

 

Do you need to know About...

Long Term Travel Insurance

If you’re going overseas for a good time AND a long time, 1Cover offers long-term travel insurance. This can cover you for up to 12 months abroad - and you can extend if you need to. 

Worldwide Travel Insurance

Travelling around the world and want to make sure you’re covered? Then take a look at this page to buy a Worldwide travel insurance policy.

Tips For Safe Car Hire

Renting a car on holiday can be fun, but you need to be a little savvy so you don't get caught out. Check out our tips for making the most hiring a rental car and the best ways to stay safe.

What travel insurance covers 

From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not. 

 

Where are you Going?


Find out everything you need to know about travel insurance for the following destinations:
 

 

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

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