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Family Travel Insurance

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.

Why Travel With Us for a Family Trip?

Unlimited overseas medical expenses

Pregnancy cover for up to 30 weeks

Cover up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age)

Unlimited dependent children up to the age of 18 insured for free*

Award winning travel insurance company

24 hour emergency assistance

Choose Your Annual Multi-Trip Travel Insurance Policy

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.

Policy	Bare Essentials	Silver	Gold
Single-Trip - international	❌	Y (up to $4,000)	Y (up to $8,000)
Single-Trip - Domestic	❌	Y (up to $4,000)	Y (up to $7,500)
Travel delay expenses	❌	Y (up to $4,000)	Y (up to $2,000)
Annual Multi-Trip	❌	Y (up to $4,000)	Y (up to $4,000)
Cruise	❌	Y (up to $4,000)	Y (up to $8,000)

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).

How to get a Quote

1. Visit our online quote tool

Select your trip type, destination, dates and who is travelling with you and their age.

2. Choose your plan

Review the inclusions and coverage amounts and choose a level of cover which is right for you.

3. Review excess and upgrades

Add any extra cover you might need for things like winter sports or business cover.

4. Add your personal information

We’ll need the policyholder’s information, along with any pre-existing medical conditions you may have.

5. Review quote, accept declaration and pay

Once you’re happy with the quote, accept the declarations and follow the steps to complete payment. We can also email you the quote to pay later.

6. Set off on your trip!

You can now depart with an added layer of protection if things don’t go to plan.

Get a Quote Now!

Most Common Questions

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.

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.