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.

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 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 and you have been deemed unfit to do so.

  • Covered whether it was your fault or someone elses. Our policies will cover you up to $5000 for the rental car excess that could be incurred in the event of an accident, whether you are at fault or not.

  • 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.

  • 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 trip, medical emergencies and much more. 

 

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 cover you up to $5000 for the rental car excess that could be incurred in the event of an accident, whether your fault or not.
    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.
    Plus with our overseas comprehensive policy you'll be covered for lost luggage, cancellation of trip, medical emergencies and much more.
    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 Car Excess Cover

Rental car excess cover is included in all comprehensive policies. See below for a full list of the benefits included: 

Key Benefits Sum Insured Excess

Overseas Emergency Medical Assistance

Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees.

Unlimited None

Overseas Emergency Medical & Hospital Expenses

Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.

Includes Dental Expenses (Per Person)

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 

Unlimited

 

$500

$100

 

$100

Luggage & Personal Effects

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.

$15,000 $100

Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.

Unlimited $100

Rental Vehicle Excess

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.

$5,000 $100

Medical Benefits

Medical Benefits Sum Insured Excess

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.

$50,000 None

Resumption of Journey

Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.

$3,000 None

Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas.

$5,000 None

Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.

$25,000 None

Permanent Disability

A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.

$25,000 None

Loss of Income

A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.

$10,400 None

Luggage Benefits

Luggage Benefits Sum Insured Excess

Credit Card Fraud & Replacement

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

$5,000 $100

Theft of Cash

Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders.

$250 None

Luggage & Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.

$250 None

Cancellation Benefits

Cancellation Benefits Sum Insured Excess

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 

$1,000 None

Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. 

$5,000 None

Ancillary Benefits

Ancillary Benefits Sum Insured Excess

Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $100

Domestic Pets

Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away.

$500 None

Domestic Services

Cover for house keeping services following injury/disablement continuing upon your return home.

$500 None

Further Reading

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

Safe Car Hire

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

Worldwide Trips

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.

Long Term Insurance

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.

What Is Covered

 

 

 

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 Australia 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 Sydney. 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.