Rental vehicle excess cover

If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, we will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $5,000 in the event of an eligible claim.

As all rental vehicle companies and their policies are different, we recommend you check what their excess is before you complete the hire agreement, and if their excess is equal to NZD $5,000 or less, at least you’ll know we have you covered.

What you need to know

We cover the excess on rentals of standard model motor vehicles or a motor home with a capacity to carry 8 persons including the driver, or a moped or motorcycle with a maximum engine capacity of 200cc.

You must hold a valid driver’s licence as required by the country you are in to be covered under your policy.

If you hire a motorcycle or moped, you must wear a helmet.

Remember a rental vehicle must be rented by you, from a licensed motor vehicle rental company, to be covered under your policy. To ensure you remain covered, you must not be in breach of any local driving laws or rules, or have breached the terms and conditions of the rental vehicle agreement.

Off-road use is not covered, so make sure you only use rental vehicles on formed or paved roadways and car parks.

There is no cover for any damages, compensation and legal expenses for which you are liable, due to your use of a rental vehicle, causing injury (including death) of another person, or loss or damage to property other than your rental vehicle.

What is an unexpected event?

We consider an unexpected event to be a cause or event that occurs during your period of insurance that was sudden, unforeseeable or unintended; and was outside of your control, and could not reasonably have been anticipated or avoided. 

Who do you call?

The most important thing to do is not worry - we’re here to help you when you need us. 

When calling from overseas, our emergency assistance team is available 24 hours a day, 7 days a week on +64 9 359 1600.

If you’re calling from New Zealand, you can reach us Monday – Friday 8.30am to 5pm NZDT/NZST on 0800 800 571.

What you need to know

This provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions, including information about exclusions, excesses and sub-limits, we recommend you read the Product Disclosure Statement (PDS), including Policy Wording.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

*Terms and conditions apply to the promotion and to the purchase of a TravelCare policy.

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

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