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What Is Rental Car Excess Waiver Insurance?

Hiring a vehicle can come with a hefty excess if something goes wrong. InsureandGo Australia’s Rental Car Excess Waiver has cover available for unexpected excess charges if your rental vehicle is damaged or stolen on your next road trip.

If a rental vehicle you’ve hired is involved in a motor vehicle accident while you’re driving, or is damaged or stolen while in your custody, we may cover the cost of the rental car excess charged by the hire company, up to your policy limit. Rental Car Excess Waiver is included as standard with our Silver and Gold policies.

This cover doesn’t replace the rental company’s insurance or provide third-party liability cover. It applies only to the excess amount you’re required to pay.

This cover does not take the place of rental vehicle insurance or third-party damage insurance. It only provides cover for the excess component up to the applicable benefit limit.

Note: This page contains general advice only and does not take into account your objectives, financial situation or needs.

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Why Travel With Us for Rental Car Excess Waiver benefit?

All pre-existing conditions considered
Comprehensive vehicle coverage
All pre-existing conditions considered
Flexible excess limits
All pre-existing conditions considered
Cover up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age)
All pre-existing conditions considered
Simple claims process
All pre-existing conditions considered
Award winning travel insurance company
All pre-existing conditions considered
24/7 emergency assistance

Choose your level for Rental Car Excess Waiver benefit

InsureandGo Australia offers different levels of Rental Car Excess Waiver depending on whether you choose a Silver or Gold travel insurance policy.

Rental Car Excess Waiver isn’t available with our Bare Essentials policy.

Benefits

  Bare Essentials Silver Gold
Single-Trip Domestic ✕ Up to $4,000 Up to $7,500
Single-Trip International ✕ Up to $4,000 Up to $8,000
Single-Trip Cruise ✕ Up to $4,000 Up to $8,000
Annual Multi-Trip ✕ Up to $4,000 Up to $4,000

Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

What does the InsureandGo Australia Rental Car Excess Waiver include?

We will pay up to the amount of your rental car insurance excess if your hire car is:

Included

  • Involved in a motor vehicle accident while you are driving
  • Damaged while in your custody
  • Stolen while in your custody

Domestic Gold customers also receive up to $750 for the return of the vehicle to the nearest depot if a doctor certifies that you are unfit to return it.

What does the InsureandGo Australia Rental Car Excess Waiver exclude?

In addition to general exclusions outlined in the PDS, you are not covered for claims arising from:

Not covered

  • Operating the rental car in violation of your rental agreement
  • Costs other than the excess charged under your rental agreement
  • An unauthorised driver operating the vehicle
  • The following vehicle types: commercial vehicles, buses, trucks, full-size vans on truck chassis, caravans, trailers, vehicles with fewer than four wheels and limousines
  • A vehicle with more than 9 seats
  • Driving off-road
  • Intentional or non-accidental acts
  • Illegal activity
  • Wear and tear, freezing, gradual deterioration, or mechanical/electrical breakdown
  • Tyre blowouts or damage, unless caused by fire, vandalism, theft or a covered loss.
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For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS).

Why choose InsureandGo Australia for Rental Car Excess Waiver benefit?

InsureandGo Australia can help support you if your next road trip comes with an unexpected excess charge.

Comprehensive vehicle coverage

We cover a wide range of rental vehicles hired from licensed rental companies, including compact cars, SUVs, campervans and motorhomes under six tonnes, as well as motorcycles and mopeds. See your PDS for the full list of covered vehicles.

Flexible excess limits

Select the plan with the excess cover limit that works for you so you have extra protection against unexpected excess charges from your rental provider if things don’t go to plan.

Simple claims process

If something goes wrong, making a claim is straightforward. Our online claims process is designed to be quick and easy, so you can submit your claim and supporting documents for eligible rental car excess charges faster.

24/7 emergency assistance

Travel with added peace of mind, knowing you’re covered by a 24/7 global assistance team. InsureandGo Australia is backed by Europ Assistance, giving you access to more than 750,000 assistance providers in over 190 countries. Call us any time: +61 293 333 999

How to make a claim for Rental Car Excess Waiver

It’s simple to make a claim with InsureandGo Australia if your rental car is involved in an accident whilst you are driving, or damaged or stolen whilst in your custody, and you’re charged an excess by your rental company. Read your PDS for more information on what’s covered.

Here’s how to make a claim:

1

Log in to our eClaims portal and start your claim.

2

Upload supporting documents, such as your rental car agreement, invoices for damage, police reports, etc.

3

Submit your claim within 30 days of the end of your trip.

Alternatively, you can:

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Rental Car Excess Waiver FAQs

Can I increase my Rental Car Excess Waiver limit?

The Rental Car Excess Waiver cannot be modified or increased to a higher coverage limit. Policyholders should choose the plan that is most suitable for their individual needs. There is no cover for the Rental Car excess waiver on the bare essentials plans.  

Do I need to pay the excess first to make a claim?

Yes, the Rental Car Excess Waiver benefit reimburses you for the excess after it has been charged by the rental company. To make a claim, you’ll need documentation from the rental provider confirming the damage or theft and the excess amount paid, along with any supporting evidence required under the policy.

Does rental car excess cover campervans and 4WD?

Yes, InsureandGo Australia’s rental car excess waiver covers a range of rental vehicles hired from a licensed rental company, including compact cars, SUVs, campervans and motorhomes under six tonnes, as well as motorcycles and mopeds and are used in line with your rental agreement. 

Covered vehicle types include:

  • Campervan or motorhomes under 6 tonne
  • Coupe, 4WD, hatchback, minibus, people
  • mover, sedan, station wagon and SUVs
  • Motorcycles or mopeds
Are third‑party damages included?

No, the rental car excess waiver only covers the excess amount charged by the rental company if the vehicle is damaged or stolen. It doesn’t cover damage to other vehicles, property, or people.

Is liability covered?

No, liability cover is not included under InsureandGo Australia’s rental car excess waiver benefit. This benefit only applies to the excess payable under your rental agreement, up to your selected policy limit.

What isn’t covered by rental car excess waiver benefit?

Rental car excess cover doesn’t cover every situation. It won’t apply if the vehicle is damaged or stolen while being used outside the terms of your rental agreement, including if it’s driven off-road, used illegally, or driven by someone not authorised by the rental company.

It also doesn’t cover mechanical failure, wear and tear, or fines and penalties (e.g late fees, loss of use fees) charged by the rental provider.

Do I still need car insurance when I hire a vehicle?

Yes. The rental car excess waiver benefit doesn’t replace the rental company’s insurance.  You will still be responsible for arranging the insurance offered by the rental provider, which typically covers damage to the vehicle and third-party liability, in accordance with the rental agreement.

InsureandGo Australia’s rental car excess waiver benefit simply helps reimburse the excess amount you may be charged under your rental agreement if the vehicle is damaged or stolen, up to your selected policy limit.

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§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

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