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Hiccup Car Rental Excess Insurance

Save yourself paying hefty excess fees on your rental vehicle with Hiccup Car Rental Excess Insurance.

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If your rental car is damaged or stolen, Hiccup's rental excess insurance can cover the cost up to $10,000 for drivers of any age. Find out how it works below.

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Hiccup Car Rental Excess Insurance cover options

The following Car Rental Excess Insurance options are offered by Hiccup Insurance:

Plan ANil excess$4,000 car rental excess cover and $1,500 luggage
and personal effects cover
Plan BNil excess$6,000 car rental excess cover and $1,500 luggage
and personal effects cover
Plan C$300 excess$4,000 car rental excess cover and $1,500 luggage
and personal effects cover
Plan D$300 excess$6,000 car rental excess cover and $1,500 luggage
and personal effects cover
Plan ENil excess$8,000 car rental excess cover and $1,500 luggage
and personal effects cover

All of the above policies include the following features:

  • Australia-wide cover: Car rental hire anywhere in Australia is covered.
  • You don’t have to be an Australian resident: Cover is available to residents of countries all over the world.
  • Nominated drivers: All policies provide cover for drivers listed on the car rental agreement.
  • Range of vehicles: Hiccup Car Rental Excess Insurance provides cover for the following vehicles when rented from a licensed motor vehicle rental company: Sedans, hatchbacks, station wagons, 4WDs, SUVs, people movers and minibuses. Camper-vans and motorhomes under 4.5 tonnes are also covered.
  • Theft cover: Rental excess cover is provided if the car is stolen during your journey.
  • Accident cover: All policies also provide cover for loss or damage as a result of single- and multiple-vehicle accidents.
  • Luggage: Up to $1,500 compensation for lost, stolen and damaged luggage and personal effects is also included.

Hiccup Car Rental Excess Insurance features

  • Windscreens and auto glass: The insurer will reimburse you for any costs you are charged under the terms of the rental agreement for loss or damage to windscreens and auto glass. The loss or damage must occur while you are driving or while the vehicle is in your custody.
  • Roof, tyres and underbody: You will also be reimbursed for costs charged to you as a result of loss or damage to the roof, tyres and underbody of the vehicle while you are driving or while the vehicle is in your custody.
  • Returning your rental vehicle: Your Hiccup Car Rental Excess Insurance policy covers up to $500 of the cost of returning your rental car to the nearest depot when your medical adviser certifies that you are medically unfit to do so during your journey.
  • Luggage and personal effects: If your luggage or personal belongings are lost, stolen or damaged during your journey, Hiccup Car Rental Excess Insurance provides cover for the cost of their repair or replacement. The insurer applies depreciation when calculating the amount payable to you.

General exclusions

Your Hiccup Car Rental Excess Insurance claim will not be paid if:

  • You don’t act in a responsible way to protect yourself and your property
  • You don’t do everything you can to minimise your loss as much as possible
  • It is for consequential loss of any kind
  • You were aware of something that would lead to a claim when you applied for cover
  • It arises because you act illegally
  • It arises because you break any government prohibition or regulation, including those concerning visa requirements
  • It arises due to a government authority confiscating, destroying or detaining anything
  • It arises due to an act of war or revolution
  • It arises because of an act or threat of terrorism
  • It is related to depression, stress, anxiety or any mental or nervous condition
  • It arises from suicide or attempted suicide
  • You were under the influence of alcohol or drugs (except those taken as prescribed by a medical practitioner)
  • It arises from motor sports of any kind

Hiccup Car Rental Excess Insurance excess

The excess payable when you make a claim depends on the Hiccup Car Rental Excess Insurance policy you choose. If you select Plan A, Plan B, and Plan E, you won’t have to pay any excess when you make a claim. However, Plans C and D both feature a $300 excess charge. If any additional excess applies, this will be shown on your certificate of insurance or disclosed to you in writing when you receive your certificate of insurance.

Other stuff you might want to know

Q. How do I know which policy option to choose?

  • A. Check with your rental company to find out how much excess they charge if your rental vehicle is damaged, crashed or stolen. This will help you choose a plan that meets your needs.

Q. Is the excess charge covered upfront?

  • A. No. Rental vehicle excess insurance from Hiccup Insurance is reimbursement insurance. This means that the rental company will assess the cost to repair damage and charge this amount to your credit card – you can then lodge a claim to be reimbursed the relevant costs.

Q. Do I also need to purchase excess reduction insurance from the rental company?

  • A. No. If you have Hiccup Insurance in place you will not need to buy excess reduction cover from the rental company.

Q. Who underwrites Hiccup Car Rental Excess Insurance?

  • A. These policies are underwritten by Allianz Australia Insurance Limited.

Q. What factors affect the cost of my premium?

  • A. The plan you select, your age and the length of your journey will all have an influence on the cost of your premium.

Q. Is there a cooling-off period?

  • A. Yes. You have 14 days after taking out a policy during which you can cancel cover and receive a full premium refund.

Q. Can I purchase a policy for a single day of car rental hire?

  • A. Yes. Policies can be purchased for a single day.

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