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Rental cover: Receive a quote for rental cover excess insurance

Avoid hefty car rental excess charges with rental cover – discover the benefits of choosing rental cover for your next trip.


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Rental Cover

Over the last six years, has become one of the largest independent names in the world for vehicle rental cover, offering a range of excess cover options for any car or motorhome rental.

With a dedicated customer support team offering help in more than 10 languages, you'll be able to get assistance wherever you are any time of the day.

Rental Cover Deals Rental Cover Deals

30% off policies

Available if you're a senior, student or part of the military. You’ll need to send a copy of the appropriate I.D as proof of eligibility.

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Receive a quote for Rental Cover

Details Features
Car Rental Excess Cover
Car Rental Excess Cover
Guaranteed to be at least 50% cheaper than rental desk policies. Cover starts from $9.48 per day (based on a 15 day hire).
  • Complete vehicle cover for up to $100,000 in damages
  • $0 excess on all policies (plus no claim fees)
  • Covers all vehicle types, including motorhome, 4x4
  • Can be used with ANY rental car company
Get Quote More info

How does Rental Cover work?

No one wants to think about what can go wrong while on the road (or how much it can cost you if something does), and with's policies for car rental excess insurance, you can take a bit of the worry away. gives extra protection on top of any basic cover your car rental company may provide, and insures you for up to $100,000 against vehicle theft or damage - including cracked windscreens, flat tyres, damaged headlights, lost keys and towing costs. It'll also cover costs associated with fixing the car including any credit card fees and administrative costs that may be charged by a mechanic.

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Why choose

  • 100% of your excess is covered. You won’t have to worry about paying any excess amount when your rental vehicle is damaged.
  • 50% cheaper than excess reduction cover. While you can take out an excess reduction policy from your car rental provider, this is significantly more expensive than a policy from
  • Broader cover. ensures you are covered for a broad range of accidents and circumstances, including underbody damage, single vehicle accidents, driving at night, collisions with animals, rollovers and much more. Excess reduction cover from rental providers, however, typically contains a long list of exclusions which can lead to a nasty surprise when your rental vehicle is damaged.
  • Cover available for campervans, motorhomes and 4WDs. offers policies for a wide variety of rental vehicles.
  • Tailored cover. policies are specifically tailored to offer protection against the unique risks of certain countries.
  • Lower claim fees. It costs more to make a claim under a rental company excess reduction policy than it does under a policy from
  • Free Gap Cover. Every policy from comes with $3,500 of Free Gap Cover. This is designed to offer much-needed financial protection in circumstances where the amount you are claiming is less than the amount covered by the primary issuer of your insurance policy. For example, your policy may not provide as much cover as the standard excess charged on your vehicle, in which case the Free Gap Cover kicks in to ensure that you are not hit in your hip pocket.

How much does it cost?'s policies average out to be about 50% less than the average excess insurance that you can add on at the rental desk direct from the car hire company, which can cost up to $30 per day and not necessarily offer the $0 excess that all policies include. Depending on where in the world you're getting extra cover, policies range from $5 to $15 per day. The company also has a price-beat guarantee, so if you do come across excess coverage for less, just let them know and they'll beat it (not available for bookings in the USA).

We did a test booking for excess in Australia for a range of one to seven days to see how much it costs.

Number of DaysPrice (Total)

How is it different to the excess reduction that comes with my rental?

Car rental companies will typically offer excess reduction cover, which can also be referred to as an excess waiver or damage waiver. This type of policy, as the name suggests, reduces the amount of excess you will have to pay in the event that your rental car is damaged.

While this reduces your excess from a significant amount to something much more manageable, you could still have to pay an excess of up to $1,000.

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How do I make a claim?

If you're in an accident or have any damage to your car, you'll need to first pay the rental car company whatever they charge for the damage. You then can claim back the charges online via email, but you'll need the following documents to do so:

  1. Copy of your rental agreement
  2. Copy of your drivers licence, or whoever was driving the car at the time of the accident
  3. Any correspondence about the damage
  4. Copy of your credit card statement showing the charges from your rental car copmany
  5. Invoice from the rental car company
  6. Any receipts showing the repairs have been made averages a three-day turnaround for claims.

Campervan and motorhome rental excess cover

When you’re setting off for a holiday, sometimes you want to rent a vehicle a little bigger than a run-of-the-mill passenger vehicle. For many tourists in Australia and New Zealand, motorhomes and campervans offer an innovative and affordable way to travel. Of course, typical rental company excess costs for these vehicles can be quite expensive, so offers protection for hirers of campervans and motorhomes in Australia and New Zealand.

These policies work in exactly the same way as’s policies for ordinary rental vehicles, covering you when your campervan or motorhome is crashed, stolen or damaged. For a much lower cost that an excess reduction policy from your rental provider, reimburses you the total amount of any excess you are required to pay. While rental companies will exclude a broad range of situations and circumstances from there excess reduction coverage, offers protection for an extensive range of incidents. Cover is included for the following:

  • Windscreen, tyres, underbody, roof, awning and water damage
  • Single-vehicle accidents, night time driving, collisions with animals, rollovers
  • When a vehicle is off the road to undergo repairs, the rental company’s resulting lost revenue. This is known as demurrage

In addition, policies are tailored to the market in which they are offered, designed to cover specific risks unique to that country. For example, as kangaroos are a hazard for Australian drivers,’s Australian policies contain cover for damage caused by hitting animals.

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4x4 Excess Cover 4x4 Excess Cover provides protection in a much broader range of circumstances and situations that what you'll get direct from the car hire company.

For example, while companies like Apollo and Wicked will not cover vehicle rollovers regardless of the cause, protects you in such situations. Many companies will not cover overhead and underbody damage no matter what the circumstances, while a policy will. Of course, also ensures that you do not have to be put out of pocket for any excess when your rental 4WD is damaged. This could end up saving you lots of money and gives you the confidence and peace of mind you need to simply relax and enjoy your travels.

What else do I need to know about

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Ready to apply?

If your ready to take out car rental excess cover with Rental Cover, you can follow the secure link in the table above through to the Rental Cover website to receive a free quote and apply for cover. always recommends that you take the time to view the policy terms and conditions before purchasing cover to know exactly what you are covered for. Rental Cover's team are always on hand to answer any questions you may have regarding your policy.

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Read more on this topic

  • How to avoid rental car rip-offs Find out how to avoid expensive insurance costs and other costly rip-offs when hiring a rental car.
  • Is car hire excess insurance worth it? Worried about the insurance excess that applies to your rental car? Here’s why you should consider rental car insurance excess cover.
  • Stolen rental car What happens if your rental car is stolen and what steps should you take following the theft? Find out in this comprehensive guide.
  • Car rental: Under 25s Under 25 years of age and want to rent a car? Find out how to get the best deal in this comprehensive guide.
  • Rental car accident: Here's what to do What to do if you have an accident in a rental car and how to protect yourself in the future.
  • Renting a car overseas Your guide to renting a car for your next overseas holiday.
  • Rental car insurance excess A complete guide to car rental excess insurance and how it can save you money if your rental vehicle is stolen, damaged or involved in a collision.

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15 Responses

  1. Default Gravatar
    KarenJune 3, 2019


    I’m planning to hire a car in San Francisco, Vancouver and Las Vegas. What would be the best option for me regarding insurance?


    • Avatarfinder Customer Care
      JeniJune 5, 2019Staff

      Hi Karen,

      Thank you for getting in touch with Finder.

      If you consider, you may click on the Get quote button and you’ll be redirected to their official page where you may get instant quotes.

      Your options would be getting excess reduction cover straight from rental company – this is convenient but could be more expensive than the other options, standalone car rental excess insurance policy – this is a good option if you need a flexible policy designed specifically for car rentals and cheaper than the others, or travel insurance policy with rental excess insurance feature – this option is ideal if you’re already planning a trip that requires comprehensive travel insurance.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    maartOctober 20, 2018


    Let’s say, there’s an excess risk of 5000 AUD on our rental camper. However my credit card company covers the first 2000 AUD of excess, risk in case of damage etc. Should I take an insurance for the full amount of 5000 AUD or can I take an excess risk insurance only for the amount between 2000 and 5000 AUD?

    • Avatarfinder Customer Care
      JeniOctober 29, 2018Staff

      Hi Maart,

      Thank you for getting in touch with finder.

      For this, you would need to take out excess for the full $5000 as you can’t have multiple insurers to cover you for the same excess.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  3. Default Gravatar
    KarenOctober 4, 2018

    I am hiring 2 cars 1 on the north and 1 on the south in NZ can I take just 1 policy or do I need 2?

    • Default Gravatar
      NikkiOctober 5, 2018

      Hi Karen,

      Thanks for your inquiry and for visiting finder.

      Generally, you would need 1 car hire excess insurance for each car as the length/extent of cover would depend on the type of car you hire for each location. You can read more about car hire excess insurance on this page.

      Ultimately, it would be best to ask the insurer if they would allow 2 cars registered under 1 policy. As a friendly reminder, be sure to check out the Product Disclosure of the insurance before applying and make sure your talk with the company is clear enough and you’ve discussed all the options available.

      Hope this helps! Feel free to message us should you have further questions.


  4. Default Gravatar
    AKSeptember 27, 2018

    I am 68, but my spouse is 77. Will he be covered?

    • Avatarfinder Customer Care
      JeniSeptember 27, 2018Staff

      Hi AK,

      Thank you for getting in touch with finder.

      Most of policies will cover from 19 – 99 years old. It is best to contact them directly regarding the policy that you would get to check if your husband is covered or not.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  5. Default Gravatar
    keithFebruary 8, 2015

    We’re from Canada, 69 years old, renting a small car for 21 days and driving between Sydney and up to Noosa heads area. My question is why don’t you just say 100% insured with no exclusions. There always seems to be the possibility in so many insurance coverages of something not mentioned or not mentioned for specific circumstances etc. And how does one recover the costs in any are charged. Do you deal with the rental car company?

    • Avatarfinder Customer Care
      RichardFebruary 8, 2015Staff

      Hi Keith,

      Thanks for your question. When it comes to exclusions, just like with many financial products, there have to be conditions and exclusions to ensure that the person involved was doing the right thing at the time of the incident and entered into the contract with the utmost good faith. For example, it wouldn’t be fair for someone who had a no fault accident to be treated the same way as someone who was drunk behind the wheel.

      As for rental cover, we do have one insurer in our panel who covers specifically rental vehicle excess. Please have a look at the page linked below.

      I hope this was helpful,

    • Default Gravatar
      keithFebruary 8, 2015

      Yes, that part I understand but what I was trying to ask not very well was why exclude bumpers and trim for instance as Tripcover (Allianz) does. What if I am hit or scraped in a parking lot while shopping and the perpetrator takes off, or a kangaroo jumps in front of my car while I am driving? That could easily amount to $1000 or more in damages. Do such exclusions mean I would not be covered?

    • Avatarfinder Customer Care
      RichardFebruary 9, 2015Staff

      Hi Keith,

      Sorry for the misunderstanding. This section excludes damage to bumpers and trim outside of damage caused by a motor vehicle accident as this would be considered general wear and tear, which rental companies don’t normally charge for.

      I hope this was helpful,

    • Default Gravatar
      keithFebruary 11, 2015

      The more I look at all this the less clear things get. I almost bought Tripcover’s excess insurance but suddenly noticed they are really only covering the excess on the rental car itself.

      My car rental company also does not cover the excess for: Liability Insurance for injuries or damages to persons or
      things outside the vehicle. Rental limits potential injury or
      damages to a deductible of approximately AUD 4,015.00.

      Are there any companies that do that? You see what I mean about exclusions. In Canada we refer to “comprehensive” insurance. Is here not a “comprehensive” excess cover insurance somewhere?



    • Avatarfinder Customer Care
      RichardFebruary 11, 2015Staff

      Hi Keith,

      Thanks for your question. Yes, Tripcover offer rental excess insurance only. Generally, most comprehensive policy have a rental excess component. If you enter your travel details into the travel insurance quoting engine on the travel insurance home page, you will be given a list of policies to choose from. On that page under each provider, there is a more info button. If you click on the button, you can review the comprehensive policies that offer rental excess insurance, and how much is covered.

      I hope this was helpful,

    • Default Gravatar
      keithFebruary 11, 2015

      Thanks for your reply. I will look at your page but if you notice, rental excess at the car rental company also refers to third party liability, which tripcover does not appear to address.


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