Renting A Car While On Holiday

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 usually costs a few thousand 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 cover you up to $5000 for the excess that could be incurred in the event of an accident, whether your fault or not. We also cover you up to $500 to return your rental car if you are seen by a medical advisor as unfit to do so.


Tips For Safe Car Hire

  • Always inspect the vehicle before hire and document any damage with the sales assistant, no matter how minor the damage is. You should usually be given a vehicle diagram with all marks and scratches highlighted, amend this accordingly.
  • Take photos of the vehicle you drive off with it and also at the end of hire. Especially if there is damage to the vehicle before you leave.
  • Try and plan that you pick up and drop off the vehicle from the same place to avoid one-way fees. Also avoid hiring or dropping off vehicles from airports if you can as many charge more.
  • Always discuss your options about what happens in the case of an accident, including what you will be liable to pay. Always read the terms and conditions.
  • Rental car companies all have different policies when it comes to accidents. Always discuss their policies when it comes to events like single vehicle accidents, windscreen, wheel or tyre damage, overhead and under body damage and water invasion.
  • Don't break the law, this will mean your insurance is not valid.
  • Always fill up the petrol as close as you can to dropping it off and keep your receipt to avoid a refuelling fee.
  • In the event of an accident or theft of the vehicle always get copies of paperwork like police reports, invoices, vehicle repair documents, and anything else that you will need to support your insurance claim.
  • Just in case your vehicle is later damaged by the rental company after your return of the car always aim to return your car during opening hours and get a staff member to inspect it immediately.


You're Covered For

Theft Of Cash


Theft Of Cash

We provide cover for theft of cash and travellers cheques. 


Emergency RescueEmergency Rescue

If you have an accident we will arrange for a medical transfer or evacuation to the nearest hospital for emergency 


Overseas AssistanceOverseas Medical Assistance

Travel isn't always smooth sailing. That's why we have 24/7 emergency medical assistance to assist you whenever you need help.


Pre-Existing Medical ConditionsPre-Existing Medical Conditions

We automatically cover 35 conditions under our travel insurance policies


You're Not Covered For

Drugs & AlcoholDrugs & Alcohol

If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.


Unsupervised BelongingsUnsupervised Belongings

Leaving your things laying around is just asking for someone to take them


Ignore WarningsDriving Without A Licence

You need to hold the correct New Zealand licence for the vehicle you are driving, & it must be vaild in the country you are in.


Breaking The LawBreaking The Law

For obvious reasons we can't help you out here. Always adhere to local laws no matter where your adventure takes you.


Learn More About What's Covered With 1Cover

Overseas Medical AssistanceEmergency Companion Cover

If something serious happens to you or them we'll reimburse you any expenses. 

Personal Liability InsurancePersonal Liability

Coverage in case someone sues you for bodily injuries or damages. 

Car Hire ExcessCar Hire Excess

We provide cover for trental vehicle excess

Luggage InsuranceCredit Card Fraud

We provide cover for this so you can shop in safety 


Further Reading

Europe is great for a getaway but make sure you're prepared. Check out our Europe guide for travel tips. 


Asia is a beautiful place to enjoy, but it can be dangerous for the unaware traveller.



Keep yourself safe on your next trip to Africa and check out our travel information.