Excess Insurance Product
for Australian Car Rentals

Fed up with paying $24/day to reduce your car rental excess? An innovative excess insurance product is now available for car hire in Australia, so long as you are a resident of one of the following countries: the UK, The Channel Islands, The Netherlands, France, Spain, Italy, Sweden, Republic of Ireland or Germany.

It will save you a bundle of money and still ensure peace of mind.

There are two types of product policies suitable for car rental users in Australia who are residents of the countries listed above:

The policies are provided by Insurance4carhire, a UK-based insurance company, and the costs are shown in pounds sterling (GBP). You can check the estimated equivalent costs in Australian dollars here.

There's a lot of interest in this excess insurance product, and the main question asked by potential customers is: how does the Car Rental Excess Insurance Policy work?

And here's the answer provided by Insurance4carhire: Family Enjoying Convertible Ride at Burleigh Beach, Queensland TQ

Insurance4carhire.com insures you as the policy holder, not the rental vehicle.

So when you're collecting the rental car and signing the agreement, simply decline the rental car company's option to reduce the Excess.

You don't need to tell them you have a separate policy, nor show them any documentation. Excess insurance is purely voluntary.

In the event of an accident or theft, the rental car company will charge the agreed Excess amount to your credit card.

And then you claim reimbursement from Insurance4carhire.com.

Their website lists the procedure for making a claim, and it appears straightforward and commonsense.

It also has a lot of other Frequently Asked Questions, so refer to these for any other concerns or queries you may have.

The key features and terms & conditions are outlined below and, if interested, you should refer to Insurance4carhire's website for full details.

Features of the Car Rental Excess Insurance Product

Couple Driving Convertible to Lamington National Park, Queensland TQ
  • Covers excess on damage and theft up to £6,500 per year.
    [The Excess included in most Australian car rental agreements is between A$3,000 - A$5,000.]
  • Valid with all car rental companies and at all car rental locations.
  • Allows an unlimited number of car rentals over the the 12 month cover period, so long as individual rentals are less than 60 continuous days.
  • Covers the Policy Holder and up to seven additional drivers names on the car rental agreement.
  • Covers damage to the windows, undercarriage, roof, tyres and headlights.
    [The Excess insurance offered in Australia by car hire firms typically does not include these items - so this is another bonus!]
  • Not valid for commercial vehicles (eg. transit vans, trucks), camper vans, mobile homes or passenger vehicles with more than 9 seats.

Disclaimer: Please ensure you read the detailed terms and conditions for each policy on Insurance4carhire's website, and understand what is included and excluded. The policy is written in plain English (ie. no legalese) and is easy to understand.

You are responsible for checking that your own circumstances and needs will be satisfied by these products before electing to purchase.

Refer to Insurance4carhire's website to see if the products meet your needs.

Please contact the insurance company directly (through the Contact form on their website) if you have any questions regarding their products.

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