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 travel insurance policy.
Avoid Ben and Susie's fate and make sure you're covered today!
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 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.
| 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 |
This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.
Unless otherwise specified in the PDS: Sections 12, 12A, 12B, 13 and 14 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B, 13 and 14, 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.
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.
Rental vehicle excess cover is not applicable to scooters and motorcycles, and is also not available with our Medical Only policy.
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.
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.
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 an Australian driving license, and wherever an Australian 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
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.
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.
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.
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.
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 2019 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
Travel Insurance, get in touch with us. Our expert team are here to help you.
Policy Manager 
Fiji Insurance
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