Kids go free. T&Cs apply.

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 licensed rental vehicle company up to $5,000 per journey 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.

What you need to know - motor cars and motor homes

We cover the excess on rentals of standard model motor cars or a motor home with a capacity to carry 8 persons including the driver.

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

Remember a rental car must be rented by you or someone named on the certificate of insurance from a licensed rental vehicle agency, to be covered under your policy. To ensure you remain covered, it must be driven by a name driver on the rental vehicle agreement, 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 you need to know - mopeds and motorbikes

There is no cover under the rental-vehicle excess benefit for rentals of a moped or motorbike, unless you select the moped and motorbike cover option and pay an extra premium to have cover. This cover must be confirmed on your certificate of insurance.

Even if you’ve added moped and motorbike cover, there is no cover if you’re riding a moped or motorbike (whether as the driver or passenger):

  • where the engine is more than 200cc;
  • where you are not wearing a helmet on your head;
  • where the driver does not have a valid driver's licence as required from the country of permanent residence;
  • where the driver does not have a driver's licence as required in the country you are in, for the same class of moped or motorbike being ridden;
  • in a professional capacity;
  • where you are racing, including against time and/or in timed events, of any sort;
  • where you are participating in a competition which involves monetary prizes;
  • which isn’t hired from a licensed vehicle agency;
  • offroad;
  • you’re not a named driver on the rental vehicle agreement; or
  • if you or the driver were breaking any law including driving laws or highway rules. For example, without limitation: speed limits and blood alcohol limits.

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 worldwide 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 Australia, you can reach us on 0800 800 571 Monday – Friday, 8:30am – 5:00pm NZST/NZDT.



What you need to know

This page 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 travel insurance policy document.


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

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.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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