Rental Vehicle FAQs | Fast Cover

Rental Vehicle FAQs

  1. Are Motorcycles covered by the Rental Vehicle Excess benefit?

    No, Motorcycles are not covered under this benefit.

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  2. If I injure a person or damage their property with a Rental Vehicle, will I be covered?

    No, you are NOT covered. You are also NOT covered for Personal Liability.

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  3. Are convertibles covered under Rental Vehicle Excess?

    Yes, convertibles are considered a sedan.

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  4. 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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  5. 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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  6. Am I covered if I drive a Car or ride a Motorcycle overseas if I have a Provisional (P) Licence?

    Yes, but the Australian licence rules still apply. e.g. For Provisional Motor Cycle licences the driver can't carry any passengers.

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  7. 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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  8. 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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  9. 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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  10. Do the policies automatically cover for Rental Vehicle Insurance Excess?

    Your policy does not automatically provide cover under Section 16 Rental Vehicle Insurance Excess of the PDS for Plans A, B, M & S. If you require cover under Section 16 for these plans 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.

    You can increase the benefit limit shown under Section 16 Rental Vehicle Insurance Excess for Plan D from $5000 to $8000 by paying an additional premium at the time you purchase your policy. The increased benefit limit purchased by you will be shown on your Certificate of Insurance.

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  11. What is 'Rental Vehicle Insurance Excess'?

    You only have this cover if you chose Plan A, B, D, M or S.

    We will pay:

    a) If, during your period of cover, a rental vehicle you have rented from a rental company or agency is:

    • involved in a motor vehicle accident while you are driving it; or
    • damaged or stolen while in your custody, then we will pay the lesser of:
    • the motor vehicle insurance excess or the liability fee you are required to pay under a damage waiver; or
    • property damage for which you are liable.

    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.

    b) We will also pay up to $500 for the cost of returning your rental vehicle to the nearest depot, if your attending medical adviser certifies in writing that you are unfit to do so during your journey.

    We will not pay: 

    We will not pay a claim involving the theft or damage to your rental vehicle if the claim arises from you operating or using the rental vehicle:

    a) in violation of the rental agreement;

    b) while affected by alcohol or any other drug in a way that is against the law of the place you are in; or

    c) without a licence for the purpose that you were using it.

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