Hiccup Car Rental Excess Insurance

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

Renting a car while on holiday gives you the freedom and mobility you need to see the best your destination has to offer. But driving a car on your trip can be a risky business, especially when driving on unfamiliar roads, and if your vehicle is damaged or stolen you will have to pay the hefty insurance excess charge levied by your insurer. This excess amount can be several thousands of dollars, which is the sort of money many of us just don’t have lying around.

That’s why it makes sense to take out car rental excess insurance before you embark on a trip. This type of travel insurance policy covers the cost of this expensive excess if your rental vehicle is crashed, stolen or damaged. Hiccup Insurance specialises in offering car rental excess insurance to suit a wide variety of travellers.

Hiccup Car Rental Excess Insurance cover options

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

PlanExcessCoverageAge
Plan ANil excess$4,000 car rental excess cover and $1,500 luggage
and personal effects cover
Available to travellers 21-75 years of age
Plan BNil excess$6,000 car rental excess cover and $1,500 luggage
and personal effects cover
Available to travellers 25-75 years of age
Plan C$300 excess$4,000 car rental excess cover and $1,500 luggage
and personal effects cover
Available to travellers 21-75 years of age
Plan D$300 excess$6,000 car rental excess cover and $1,500 luggage
and personal effects cover
Available to travellers 25-75 years of age

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

  • Rental vehicle excess reduction: Hiccup Car Rental Excess Insurance will reimburse the cost of the rental vehicle insurance excess or repairing the vehicle, whichever is lesser, if any of the following events occur during your journey:
    • The vehicle is involved in a motor vehicle accident while you are driving
    • The vehicle is damaged while in your custody
    • The vehicle is stolen while in your custody

You will need to provide a copy of the repair account or quote in order to be covered under this benefit.

  • 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 or Plan B, 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.

Making a claim

If you need to make a claim on your policy, you must notify the insurer as soon as possible by phoning 1300 725 154. Any delay in claim notification or failure to provide any relevant information or documentation could result in your claim being reduced. You will also need to, at your own expense, gather any information needed to process your claim. This may include police reports, valuations, medical reports and proof of ownership. All claims are payable in Australian Dollars.

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. Do any of these plans cover multiple journeys?

  • A. No. All Hiccup Car Rental Excess Insurance plans can be taken out for single journeys only.

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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