Rental Car Excess Travel Insurance

Our comprehensive insurance will cover you for the expensive car rental excess that you may be liable for when renting a car on holidays.

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Rental Car Excess Features & Benefits

When you rent a car on holiday it's often seen as a great alternative to public transport and is usually very affordable. However, 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.

Our travel insurance provides cover 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. We automatically cover you up to $5000 for the excess that could be incurred in the event of an accident, whether it's your fault or not. We also cover you up to $500 to return your rental car if you are seen by a medical advisor and you have been deemed unfit to do so.

For a small extra cost, you can increase your Rental Vehicle Excess Add-On to $6000, $7000, or $8000 and ensure you don’t get ripped off by rental vehicle companies hefty fees.

 
  • Covered whether it was your fault or someone elses. 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. Increase your excess amount to $6000, $7000, or $8000 and travel with even more peace of mind when you're on the road. 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. We will also cover you up to $500 to return your rental car if you are seen by a medical advisor as unfit to do so.

Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.

 

 

FAQs About Rental Car Excess Cover

  • What’s Covered Under Rental Car Excess Cover?
  • 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. If you add Additional Rental Vehicle Excess onto your policy, you’ll be covered up to the excess amount add-on you’ve selected (e.g. $6000, $7000, or $8000). 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. We will also cover you up to $500 to return your rental car if you are seen by a medical advisor as unfit to do so. Please be aware this benefit does not take the place of Rental Vehicle insurance. The following conditions must be met for cover to be available under this benefit:
    • The Rental Vehicle must be rented from a recognised rental agency;
    • The hiring arrangement must incorporate motor vehicle insurance or damage waiver against loss or damage to the Rental Vehicle; and
    • You must comply with all requirements of the rental agency under the hiring agreement and, if applicable, the insurer under such insurance.

  • 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?
  • This doesn't take place of normal car insurance.
    We won't pay any claims if you violate your rental car agreement.
    This one is obvious, but if you are 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.
    Terms and conditions, limits and exclusions apply. Please see PDS for full details.

 

A complete list of FAQS.

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 Comprehensive/ Frequent Traveller Domestic/ Frequent Traveller Domestic

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 Vehicle Excess Add On Choice Of: $6,000
                  $7,000 
                  $8,000
Choice Of: $6,000
                  $7,000
                  $8,000

 

Further Reading

Tips For Safe Car Hire

Renting a car on holiday can be fun. Check out our tips for making the most of it and staying safe.

 

Read More

Worldwide Trips

Tips for planning a trip around the world. Including things to consider and what our travel insurance covers you for.

 

Read More

Long Term Travel Insurance

Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.

Read More

What Is Covered?

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.

 

Read More

 

 

Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.

 

 

One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring New Zealand or the rest of the world, we have a travel insurance policy to suit your needs.

 

Local Call Centre

Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.