Rental Car Excess Cover

Do you intend renting a car or other vehicle while on your trip?

Before you travel, have a look at our travel insurance with Rental Car Insurance Excess protection (international and domestic plans) and our bonus cover for your personal car insurance excess cover (domestic plans only). This might help protect you from costs associated with the damage or theft of a vehicle while travelling.  

Yes, Easy Travel Insurance coverage may provide you much needed peace of mind while driving at home and abroad. 

Our International Premium plan and Domestic Premium plan both automatically provide coverage for rental car insurance excess, and our Domestic Premium plan also includes extra personal vehicle insurance excess coverage, which is ideal for self-driving trips within Australia where you may bring your own car. Please read our PDS for more information on this benefit, as well as any limits or restrictions that may apply. 

While on vacation, protect yourself and your rental or personal vehicle. Get a free quotation on our website 24/7 or call us to explore your options with Easy Travel insurance. 

What do we mean by Rental Cars?

The term "rental car" refers to a campervan/motorhome weighing less than 6 tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive, or minibus leased through a registered motor vehicle rental business or agency. 

This coverage applies if you: rent a car, are the nominated driver on the rental car agreement and have comprehensive motor vehicle insurance for the rental car for the duration of the rental period. 

If the rental vehicle is damaged or stolen while in your possession during your trip, coverage is given for the lesser of the rental vehicle insurance excess or the repair expenses to the rental automobile for which you become liable. You will be required to provide the final loss/repair report in order to support your claim. 

Driving in Australia or New Zealand 

Before you set out on your trip consider the following:

Weather and Road Conditions: Before embarking on a road trip, make sure you're up to date on the weather and road conditions in your area. Check the weather forecast and make a list of any places that are expecting adverse weather conditions, fires or floods.

Black Ice: Black ice is a thin layer of ice covering the ground that appears black, making it incredibly difficult for drivers to see. It is usually found along side rivers and streams, mostly in shady or cooler locations. Since black ice will cause drivers to lose control, it is critical to drive cautiously.

Chains: For driving on snow and ice it is important to have chains accessible when renting a vehicle. Most rental providers will supply you with chains and show you how to install them. When using ropes, ensure that they are properly attached to the driving wheels (e.g. for a front-wheel drive car, chains or ropes go on the front wheels). After installing the chains, drive a short distance and double-check them to ensure they are secure. Also, it is a great tip to remember to have warm gloves and a torch with you.

Water: Ensure you always have water for hydrating yourself and on a hot trip sometimes you may need some for the vehicle too.

Navigation options: Maps and GPS units are always great, but if you have a smart phone you have the worlds best directions with you as long as you have mobile reception and a full battery!

Rental vehicle excess cover is included automatically for rental vehicle excess at varying levels.

International Comprehensive Care policies - Annual Multi-Trip and single trip travel plans - AUD$10,000 (worth noting that conversions for different currencies may affect cover level – eg at the time of writing the exchange rate for US to Australian dollars is approx. US$6,100 = AUD$10,000)

Domestic policies – Annual Multi-Trip and single trip travel plans – AUD$6,000

Bonus cover for self-drive holidays in Australia - Personal vehicle insurance excess – AUD$2,500

Essentials Care, Domestic Cancellation and Inbound travel plans do not provide Rental Car Insurance Excess cover.

This cover applies to all rental vehicles including cars, campervans, motorhomes, motorcycles or mopeds if you:

Hire a Rental Car, are the nominated driver on the Rental Car agreement and have comprehensive motor vehicle insurance included for the rental car for the hire period.

If the rental car is damaged or stolen whilst in your control during the period of insurance we will pay the lower of the rental car insurance excess or the repair costs to the rental car that you become liable to pay.

It is your responsibility to provide the final loss/repair report to substantiate your claim. If you paid for the motorcycle/moped riding cover option, we will also include cover for the insurance excess you become liable to pay for damage to or theft of a motorcycle or moped rented from a licensed motor vehicle rental company.

We will not pay for: any damage or theft, arising from the operation of a Rental Car in violation of the terms of the rental agreement.any damage sustained to a Rental Car while it is being driven on an unsealed surface.administration costs or loss of use penalties. 

Domestic Plan: Bonus cover for the insurance excess on Your personal vehicle.

This cover applies if you have comprehensive car or motorcycle insurance on your own vehicle. If your personal car or motorcycle is damaged or stolen while in your control during the period of insurance, We will reimburse you up to $2,500 for: the prescribed excess paid under your comprehensive personal car or motorcycle policy of insurance, relative to the loss or damage to your own car or motorcycle and which is not legally recoverable from any other source; or the actual costs paid for any repairs to your own car or motorcycle should they be less than the prescribed excess applicable under Your comprehensive personal car or motorcycle policy of insurance, relative to the damage to your own car or motorcycle and which is not legally recoverable from any other source.

Please refer to our Product Disclosure Statement for policy conditions. Get a FREE quote today