When you rent a car on holiday it's often seen as a great alternative to public transport and is usually very affordable. But, as the video below explains, 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 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 and you have been deemed unfit to do so.
For an additional premium, 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
Plus 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
Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.
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 |
x |
Rental Vehicles Excess Add-On |
Choice Of: $6,000 $7,000 $8,000 |
Choice Of: $6,000 $7,000 $8,000 |
Unless otherwise specified in the PDS: Sections 12, 12A, 12B & 13 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B & 13, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.
^^ You only have this cover for these sections if the relevant pack has been purchased.
Very happy with the help I got along the way when I had to make a claim. Would highly recommend any to use 1Cover and I would be signing up again.
Staff were very helpful and knowledgeable. Always looking for the best options for their customers. Excellent customer service.
Superb. Couldn’t rate 1Cover any higher. 10/10. Exceptional service.
The policy is a must have when traveling for peace of mind alone and is very good value..
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.
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.
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.
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.
Renting a car on holiday can be fun. Check out our tips for making the most of it and staying safe.
Tips for planning a trip around the world. Including things to consider and what our travel insurance covers you for.
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.
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.
Since 2003, we've provided travel insurance to more than 1.5 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.
1Cover won ProductReview.com.au 2018 Travel Insurer of the Year. ProductReview.com.au is Australia's first and most comprehensive consumer opinion site, and they provide a totally unbiased platform where people can rate and review products and services.
Our Call Centre is based in Sydney and is open seven days a week. Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out.
The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really wrong, we'll be there to help you.
Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.
If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.
If you have any questions or queries, or you'd just like to know more about
Annual Travel Insurance, get in touch with us. Our expert team are here to help you.
Policy Manager 
Fiji Insurance
Car Hire Excess Guide
