Rental Vehicle FAQs

Answers shown refer to policies purchased on or after 21st May 17. For policies purchased prior, they are a guide only and you must read the PDS for exact wording.

  1. Are campervans or motorhomes covered under Rental Vehicle Excess?

    Yes, campervans and motorhomes are covered under the Rental Vehicle Excess benefit as long as it does not exceed 4.5 tonnes and is rented from a licensed motor vehicle rental company.

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  2. What is Rental Vehicle Excess Cover?

    The Rental Vehicle Excess cover on your policy pays the excess charged by your Rental Vehicle company should you have an accident and need to claim. This benefit DOES NOT replace the Rental Vehicle insurance that you need to take out with your Rental Vehicle company. It only covers the EXCESS component of that insurance up to your nominated amount. For instance, if you have an accident, and the cost is $10,000 to repair the vehicle, and your rental vehicle company charges you a $3,000 excess. Your policy will pay this excess, up to a maximum of your nominated amount.

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  3. Do I still need to buy Rental Vehicle insurance if I am covered by your Rental Vehicle Excess cover?

    Yes, Rental Vehicle Excess cover does NOT take the place of car rental insurance. You still need to buy car rental insurance. The Rental Vehicle Excess cover ONLY covers the 'Excess' component of your car rental insurance up to a maximum of your nominated amount.

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  4. Am I covered if I drive a friend's car when I'm overseas?

    No. Your policy only covers Rental Vehicles. You should check with your friend's car insurance company about their cover.

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  5. What does 'Rental Vehicle' mean in the PDS?

    'Rental Vehicle' means a campervan/ motorhome that does not exceed 4.5 tonnes, a sedan, hatchback or station wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.

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  6. Do the policies automatically cover for Rental Vehicle Insurance Excess?

    Your policy does not automatically provide cover under Policy Benefit 19 Rental Vehicle Excess of the PDS for the Comprehensive Plus, Standard Saver, Snow Sports Plus and Frequent Traveller Saver policies.

    If you require cover under Policy Benefit 19 for these policies you must select, from either $5000 or $8000 and pay an additional premium at the time you purchase your policy.

    The benefit limit purchased by you will be shown on your Certificate of Insurance.

    The Rental Vehicle Excess for the Domestic Plus policy is $5000 and cannot be increased.

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  7. What is 'Rental Vehicle Insurance Excess'?

    You only have this cover if you chose the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. 

    Important cover conditions 

    • You only have this benefit if you purchased the optional Rental Vehicle Excess cover in connection with an eligible policy. The amount of your cover will be listed on your Certificate of Insurance. 
    • This cover does not take the place of rental vehicle insurance and only provides cover for the excess component that you become liable to pay in the event of collision or theft.

    We will pay:

    • Up to the amount listed on your Certificate to reimburse the rental vehicle insurance excess or the cost of repairing the vehicle, whichever is the lesser, if a rental vehicle you have rented from a licensed rental company during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody. You must provide a copy of the repair account and/or quote. There is no cover relating to any other costs, including the costs to independently fix the damage.
    • Up to $500 for the cost of returning your rental vehicle to the nearest depot if your attending medical practitioner certifies in writing that you are unfit to do so during your trip.

    We will not pay any claim or loss: 

    • For the theft or damage to your rental vehicle if:
      • the rental vehicle is operated or used in violation of the rental agreement, including by any person not designated in the rental vehicle contract as an authorised driver and by any person not named on your Certificate of Insurance;
      • you were operating the rental vehicle while affected by alcohol or any other drug in a way that is against the law of the place you are in;
      • you were operating the rental vehicle without a licence for the purpose that you were using it; or o the vehicle does not meet the definition of rental vehicle in this policy.

    Please also read the General Exclusions that apply to all benefits in the PDS

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  8. Am I covered for Collision Waiver Insurance?

    Our policies cover for the Rental Vehicle Insurance Excess portion of the Rental Vehicle Insurance that you need to take out with your car hire company.

    If your charges are classisfied by the car hire company as part of your rental vehicle excess, then you would be able to claim for those expenses.

    If the charges are not classified as part of your excess and are separate charges, then you would not be able to claim for those expenses.

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  9. How many times can I use the Rental vehicle excess benefit?

    You can claim on your Rental Vehicle Excess benefit as many times as you like up to the maximum value ($5000 or $8000) that you have chosen.

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  10. If I hire an SUV, can I take out rental vehicle insurance excess cover?

    Yes, you can take out rental vehicle insurance excess cover if you will be hiring an SUV.

    Ensure that the SUV has facilities for you to be able to store your luggage out of sight, like a lockable boot or parcel shelf. If you store your luggage in your SUV (or any vehicle) where it is visible to the public and the luggage is stolen, your claim may be denied.

    Please note that this benefit DOES NOT replace the Rental Vehicle insurance that you need to take out with your Rental Vehicle company. It only covers the EXCESS component of that insurance up to your nominated amount.

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