Benefit 19: Rental Vehicle Excess

This benefit covers the Rental vehicle excess component of the Rental vehicle insurance that You have with Your car hire company in the circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following 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 is only available if the Rental vehicle has insurance cover for damage to or theft of the Rental vehicle in Your custody and control.
• This cover does not take the place of Rental vehicle insurance or third-party damage insurance, and only provides cover for the excess component that You become liable to pay in the event of collision or theft.
• You must hold a current Driver’s Licence (Provisional or higher) valid for driving in Australia, for the same class of motor vehicle, regardless of the local laws and if required, a licence valid for the country that You are driving in.
• You must provide a copy of:
  • Your rental agreement;
  • the authorised driver's driving licence;
  • the original inspection report and/or the incident/damage report;
  • the repair invoice and/or quote;
  • a written statement from the licensed rental company confirming You are liable to pay the excess.
• This benefit does not provide cover for claims that Arise from COVID-19. The cover We provide specific to COVID-19 is found under Benefit 27 and Benefit 28.

We will pay

• Up to the amount listed on Your Certificate of insurance to reimburse the Rental vehicle insurance excess or the cost of repairing the Rental 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. There is no cover relating to any other costs (such as 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

• 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.
• If 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.
• If You were operating the Rental vehicle without a licence, or outside the conditions listed on Your driver’s licence (valid for driving in Australia) for the purpose that You were using it.
• If You were operating the Rental vehicle with an Australian Learner’s licence.
• If the vehicle does not meet the definition of Rental vehicle in this Policy.
• For any claims related to COVID-19.

Please also read General Exclusions that apply to all benefits.