Domestic car rental excess insurance
Save heaps if things go wrong with your rental car, whether you're renting a car to move across town or travelling Australia.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.
If you would rather pay $2.25* a day to avoid losing $4,608** on an excess to your car rental company, then you need domestic car rental excess insurance. As well as potentially saving you thousands, car rental excess insurance in Australia can provide you with cover for vehicle repairs that rental companies typically exclude. This includes body, windscreen, tyres, roof and underbody damage.
Compare domestic car rental excess insurance
|Name||Domestic cover?||Eligible driver age||Features||Starting price (per day)||Apply|
|19–99 years||$9.48 ($0 excess)||Get quote|
|21–75 years||$9.30 ($0 excess)||Get quote|
|21–71 years||$5.68 (with a $300 excess payable)||Get quote|
*Prices are based on a 15-day hire in Australia, as of September 2019. Benefits vary from brand to brand. Always read through the product disclosure statement (PDS) to make sure the product is suitable for you.
What is domestic car rental excess insurance?
When you rent a car in Australia, the rental company will charge you an excess if the car is damaged or stolen, which can be as much as $8,000. If anything goes wrong, you're liable to pay that excess. Domestic car rental excess insurance is designed to help you reduce the amount you have to pay to the rental company. You pay for a premium and in exchange, get peace of mind knowing that your domestic car rental excess insurance policy will protect you from extra fees if an accident occurs and the car is damaged.
5 ways car rental excess insurance can help you in Australia
Whether you're travelling for work or doing a road trip across Australia, domestic car rental excess insurance can be a trusty companion. Here's 5 ways it can help.
If you hit an animal.
Most rental agreements won't cover you if you hit an animal. As anyone who has travelled outside the main cities of Australia will tell you, it's really common to hit a kangaroo and it can cause some serious damage to your car. Fortunately, some rental car excess companies will cover you if you hit an animal, so if you're planning a road trip, be sure it's not excluded from your policy.
If you car share.
Do you use Go-Get or Car Next Door? Car-sharing services are becoming increasingly popular. These companies will usually offer some form of excess insurance or reduction but it pays to compare. Generally, you can save some money by buying car rental excess insurance separately instead of adding it onto your rate.
Unlike the cover provided by rental companies, car rental excess insurance in Australia can include cover for damage to the windscreen, tyres, roof and underbody.
Reduces your excess to zero:
Rather than pay thousands of dollars, a domestic car excess insurance policy can reduce your excess to zero so you won't have to worry about huge out of pocket costs.
Cover for all types of vehicles.
You can get cover for sedans, hatchbacks, coupes, station wagons, SUVs, 4x4 vehicles campervans and motorhomes (usually up to 4.5 tonnes) and up to 12-seater minibuses.
How do the costs compare?
For a clearer indication of the costs, check out how the car rental excess insurer compares to car-sharing and rental company insurance.
|Brand||Rentalcover.com||Car-share brand||Rental company|
|$0 excess||No, $300||No, $634|
|Cover for windscreens, tyres, roof and underbody?||Unknown|
|Cover for key loss/ replacement?|
- Rentalcover.com. You can get cover from $8.10 and reduce your excess to zero. You'll also get cover for all single and multiple vehicle accidents and vehicle repairs including body damage, windscreen, tyres, roof and underbody damage. It also comes with key loss cover and coverage for theft, fire and vandalism.
- Go-Get. Insurance is included in your rental price, but for a standard car you are liable to pay $2,000. You can reduce your damage excess cover to $300 by paying $18 extra per day. Keep in mind though that this will not cover you for all loss or damage.
- Avis. Avis's standard liability excess is $4,608. To reduce your excess to $634 dollars, you will likely pay in the region of $30 a day. For instance, it will cost you $19 per day for a compact car in Sydney. This does not include cover for certain loss or damage, including overhead, underbody and water damage.
* Prices are based on a 14 day hire in Australia for a 25+ year old driver. Quotes were retrieved in October 2019
What's the difference between domestic car rental excess insurance and getting cover from your travel insurance?
Some travel insurance policies actually cover rental car excess insurance but it's good to understand what that cover includes. Domestic car rental excess insurance is its' own specific type of insurance so generally, you'll find it has more inclusions.
|Feature||Domestic car rental excess insurance - Rentalcover.com||Domestic travel insurance policy|
|No further excess payable|
|No distance limit|
|Cover for overbody/underbody of the vehicle|
|Maximum excess cover||No maximum||$8,000|
What's not covered by car hire excess insurance in Australia?
In most cases, you won't be covered for the following:
- Motorhomes, specifically vehicles that have a toilet or shower
- Some campervans with sleeping berths or any vehicle exceeding 4.5 tonnes
- Vehicles, including 4x4s, that are used on unsealed roads
- Minibuses that require a specialised drivers licence
- Damages resulting from a breach in your rental agreement or where you have broken the law.
* Prices in introduction are based on a 14 day car rental excess insurance policy in Australia with RACV.
** Price is based on the standard liability excess of Avis.
Frequently asked questions
More guides on Finder
Road rage tips from car insurers
A Budget Direct study reveals what makes drivers angry and shares tips on how to stay cool.
Car owners beware: hail is on the way
Severe hailstorms are forecast for the east coast of Australia this week and car-owners are being warned of potential damage.
As Australia reopens, don’t forget travel insurance
Travel insurance isn't just for overseas trips.
Can I still get life insurance if I’m overweight?
Find out if you can still get life insurance if you’re overweight, what your options are and where to get cover.
How useful is a home insurance calculator?
A home insurance calculator can give you a rough estimate on the value of your home and contents. But is that what you really want? Find out how to not underinsure or overinsure your home.
You can get swimming pool insurance included with most home and contents insurance policies. Find out who provides cover and what insurance you need.
1 in 6 drivers have lied on their car insurance application
Thousands of Australians are at risk of having their car insurance claims rejected, according to new research by Finder, Australia’s most visited comparison site.
RAA Roadside Assistance
Find out what RAA Roadside Assistance covers you for and how much it costs.
24/7 Roadservices Roadside Assistance
Find out what 24/7 Roadside Assistance covers you for and how much policies cost.
Car registration Queensland
What you need to know about car registration in Queensland, from the different fees to the rego costs.
Ask an Expert