Single Vehicle Accidents (SVA) and Windscreen, Headlights and Tyres (WHT) cover are often excluded a

UPDATE: Please note that two of our previously recommended providers, Insurance4CarHire and iCarHireInsurance, have unfortunately both stopped offering their policies to non-EEA (European Economic Area) residents. Thankfully, Worldwide car rentals miami Insure policies are still available. In fact, they have recently slashed their already rock-bottom rates by 20-25%! For more details, see the section below on car hire insurance providers .
We ve revamped this page by popular demand to provide all the information you need to ensure you are well covered and also added a few recommendations for campervan hire insurance. Before you proceed, you may want to make sure you understand all the car hire insurance jargon and terminologies .
REMINDER: Always, always take the time to read through your policy s Product Disclosure Statement, paying attention to exactly what is and isn t included, under what circumstances any cover will and will not apply and the maximum combined payout per section/category as well as any limits per claim. Finally, acquaint yourself with the procedure and any reports required should you need to make a claim.
All car hire throughout Australia comes with a basic level of insurance commonly known as Standard Liability or Collision Damage Waiver (CDW). That often still leaves you liable for up to about A$3,000 for any damages to the rental car (this excess amount car rentals miami varies with different companies so do always check)
car rentals miami Single Vehicle car rentals miami Accidents (SVA) and Windscreen, Headlights and Tyres (WHT) cover are often excluded and has to be added on. In addition, insurance does not cover damages car rentals miami to the overhead, underbody, interior or roof of the car for all these you ll just have to keep your fingers crossed.
A quick calculation and you ll find taking out Excess Reduction protection on a 7-day car hire can blow up your final cost by a staggering A$80-200! But don t take it and you leave yourself open to even more charges if you damage the car.
So how now brown cow? Well that depends on you. Evaluate what level of insurance you feel comfortable with. Naturally that decision will very well be influenced by the price of taking out additional car hire insurance and here are some great alternative ways to save big while being covered:
For Australians travelling domestically, inclusive travel insurance is the way to go. If you re an Australian going overseas or an international traveller coming to Australia, take out a specific car hire excess insurance policy.
We ve uncovered these travel insurance policies that include rental car excess car rentals miami coverage as one of its benefits. Our emphasis for selection is on the car rental excess cover and price but check how the other benefits suit you.
For Australians, the travel insurance car rentals miami providers we ve recommended typically cover campervans, 4WDs and vans as well as standard rental cars. Do check if any excess applies in the event of you make a claim on the car hire benefit. Their rates are usually staggered rather than continuous (e.g. price will stay at A$30 for 6-8 day policies), meaning different companies can offer value depending on your exact required duration so you ll do well to compare a couple.
Unless you are renting from Thrifty, Europcar or Hertz (all whom have current standard liabilities car rentals miami of A$3,300), a policy offering A$3,000 cover (most common) will suffice. But there are numerous levels of car hire excess coverage offered with travel insurance plans, ranging anywhere from A$1,000 up to A$6,000.
Columbus Direct has one of the lowest rates around estimated at A$31 for a one week policy and up to A$88 for a maximum of 60 consecutive days for Domestic cover. However, Columbus also has a A$125 excess on any claims.
Columbus Direct also has a Premier policy with A$4,000 rental vehicle excess cover at A$36 for 1 week up to A$101 for 60 days (a 30-day travel insurance policy comes in at A$69). A A$125 excess applies.
Alternatively, Travel Insurance Direct (with up to 6 months continuous cover) only costs A$40 for a week and a competitive A$74 for a month with a A$100 excess. This excess can be dropped to $0 for an extra $25. While not quite the best value, TID also allows you to increase the cover at A$25 per A$500 increment.
Worldcare s Australia-only policy car rentals miami offers a substantial A$6,000 cover at a low A$37 for a week up to A$115 for a maximum of 67 days in the event the vehicle is stolen, crashed and/or damaged with A$0 excess.
The best value annual cover is from Cover More s Travelsure option: A$116/year car rentals miami covers you for unlimited journeys per year with max. 30 days consecutive car hire each time. If you only need 15 consecutive days per hire, you can get it for a mere A$84/year. Great value! On top of that, their $4,000 rental vehicle car rentals miami benefit can be increased in A$500 increments by up to an extra A$3,500 for A$16-17 per increment. There is a A$50 excess in the event of a claim.
Another great annual policy provider is Worldcare who also allows unlimited trips within a CALENDER year with a maximum duration of 37 days per journey and a generous A$6,000 rental vehicle excess cover for only A$144. A A$100 excess car rentals miami applies that can be removed for A$25.
However, if the other travel insurance benefits of these two providers don t suit you, you can consider these companies: Zuji Australia offers a Domestic policy for A$233/year inclusive of $3,000 rental vehicle excess cover. Columbus Direct s A$290 affords you Worldwide coverage (excluding USA, Canada, China, Hong Kong Japan) or A$320 for complete global cover. These rates come with A$3,000 rental car cover. For about $45 more, you can get the Premier plan which includes A$4,000 excess cover. Both plans have a A$125 excess in the event of a claim.
For overseas visitors, we have not unearthed many travel insurance policies that include rental car cover. 1Cover is one that offers a A$2,500 excess cover. We recommend you continue reading below for taking out specific car hire excess insurance . If you know of good travel insurance deals, do share your find with us!
There are a handful of third party insurance companies specializing in covering just your car rental excess for a lot less than the car rental car rentals miami companies offers. For hires under 20 days, taking a single trip daily rate policy will usually be the way to go. Any longer and you ll want to look at getting an annual policy.
These policies commonly car rentals miami insure you for up to A$3,300 (£2,000) per claim and A$5,000 (£3,000) per rental agreement and have NIL Excess. They are available to anyone aged between 21-74 years (some allow older renters) and applies to standard car rentals miami non-luxury rental vehicles up to the size of vans that have 8 seats or less. They do not cover motorhomes or caravans. As a great bonus perk, the car hire insurance car rentals miami providers often cover damages to the undercarriage, windows and tyres which is almost always car rentals miami excluded in standard coverage. These are TYPICAL features but remember to always double check the exact terms and conditions.
Car hire excess insurance differs from the Excess Reduction options offered by car rental companies in that the former covers you, not the rental car. The procedure would be you rent a car with the Standard Liability i.e. NOT taking the Excess Reduction option, and then if you incur any damages, the rental company will still charge you up to the limit of the standard excess e.g. A$3,000. You will then claim reimbursement from the car hire excess insurance company. Be sure you acquaint yourself with all the documentation and procedures required car rentals miami for making a claim.
If you re looking for short-trip coverage within Australia, you ll probably find better value going for a domestic travel insurance policy that includes car rental excess cover since for almost the same price, you ll get all the other extra travel protection.
However, if for some reason they don t suit your needs, Worldwide Insure is a well-known British-based providers that offer worldwide car hire insurance including cover for rentals in your home country. It is an excellent choice if you re looking to hire abroad too. WWI costs as low as A$3.70 (£2.20) per day for worldwide rentals excluding home country with £3,000 (A$5,000) excess cover. To have home country rentals included (Australians need to choose this Deluxe option), it will come in at A$4.90 (£2.90) per day and provide £5,000 (A$8,400) excess reimbursement along with a bunch of other extras.
For about A$95 (£55) with Worldwide Insure , you can get annual car hire insurance that allows you to be covered for unlimited car rentals miami rental instances over a 12-month period. This is a fantastic rate since A$95 can normally only buy you a maximum of 3-5 days of excess reduction from car rental companies. WWI s policy allows you to hire continuously for up to 31 days per agreement. There are no restrictions on how far away from your home your rental must take place (some other providers impose limitations). Note that for Worldwide Insure to cover rentals in Australia, you’ll need to select the Deluxe package.
Note: As highlighted at the beginning of the article, due to a very recent change of policies, a couple of our previous suggestions iCarHireInsurance and Insurance4CarHire can no longer cover non-European residents. car rentals miami We know they are working to get on board a different insurer so they may provide policies to worldwide residents but at the moment these are not yet available.
car rentals miami Worldwide Insure has one of the most competitive annual rates for non-Australians at A$80 (£47)/year. The policy allows up to 31 days of continuous rental per agreement for unlimited instances over the year and includes £3,000 (A$5,000) cover. Top up an extra A$14 (£8) and you can get £5,000 (A$8,400) of cover along with a bunch of other extras like baggage cover, personal accident, lost keys, etc.
If you re from the wider European region, you ve got more options! As highlighted at the start of the article, these providers used to cover residents from any country but have recently car rentals miami limited the