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Luggage Insurance

What is lost luggage cover?

Whether you’re travelling light or packing everything but the kitchen sink, your belongings come along for every step of the journey. It’s important you have a Plan B if they’re lost, damaged or stolen.

Luggage cover helps safeguard the personal items you take away with you. It’s an essential part of your travel insurance policy, giving you added peace of mind.

From replacing lost, stolen or damaged belongings to covering the cost of essential items if your bags are delayed, luggage cover helps ensure you’re not out of pocket should the unexpected happen.

And if something does happen to your belongings while you’re away, our online

Types of luggage cover

Lost, stolen or damaged baggage cover

Delayed baggage cover

Lost, stolen or damaged high-value item cover

Lost, stolen or damaged money cover

Lost, stolen or damaged passport & travel documents cover

21 day cooling-off period

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.

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:

involved in a motor vehicle accident while you are driving
damaged while in your custody
stolen while in your custody

Subject to the terms, conditions, exclusions and applicable policy limits.

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:

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.

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 200 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 excess by your rental company. Read your PDS for more information on what’s covered.

Here’s how to make a claim:

Start a Claim

Here’s how to make a claim:

Log in to our eClaims portal and start your claim.
Upload supporting documents, such as your rental car agreement, invoices for damage, police reports, etc.
Submit your claim within 30 days of the end of your trip.

Alternatively, you can:

Download a claims form and email the completed form back to us, with copies of your supporting documents, at claims@insureandgo.com.au
Call our claims line on +61 2 7201 9532

Contact Details

Contact Us

If you need claim forms or have any questions, please get in touch with our team

Phone: +61 2 7201 9532
Email: claims@insureandgo.com.au

Ready to get a quote?

Prepare yourself for rental car excess charges with InsureandGo Australia’s award-winning¹ travel insurance.

Get a travel insurance quote!

Luggage Cover 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:

Campervans or motorhomes under 6 tonne
Coupe, 4WD, hatchback, minibus, people
mover, sedan, station wagon and SUVs
Motorcycles or mopeds

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.

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.