Full Protection

To be eligible for this coverage, you are required to have at least the most basic collision damage waiver (“CDW”, “LDW” or similar basic protection package) offered by the car rental company. Please read the rental terms carefully as CDW is not always included at the time of booking.

While CDW covers basic body damage, it has a high excess that you need to pay if there’s damage, even if you did not cause the damage. Full Protection covers those excess charges and their costly damage-related fees, and it covers certain types of damage that the rental companies exclude from CDW.

If your estimated costs exceed $3,000, please notify us - before you pay the rental company - by visiting rentalcover.com/claim. In some cases we will handle the transaction with the rental company to ensure you are treated fairly by them.

You can cancel at any time up until pickup for a refund .

Your Coverage

All drivers included on the rental agreement are covered.

You are covered up to the full value of the rental vehicle.

This protection is designed to cover the various costs applied by the rental companies, namely the excess that’s payable on damages and the related fees outlined below.

You are covered when you are charged for...

Damage to the rental vehicle's bodywork.
Theft or vandalism of the rental vehicle.
Damage to windscreens, mirrors, lights: Includes all external glass & lights.
Damage to wheels & tyres: Includes punctures, fittings, replacements, repairs.
Roof damage.
Damage to the underbody of the vehicle.
Key loss or replacement or lock out: Covers call out fees, replacement of lost, damaged or stolen car keys, key programming and key delivery. You must follow the rental company’s guidelines.
Damages caused by natural disasters: Covers wind, fire, hail and other damages caused by natural weather events unless there’s been a breach of the rental agreement.

You are also covered for these additional fees...

Towing & roadside assistance costs: you are covered for any towing or roadside assistance costs following physical loss or damage to or mechanical breakdown of the rental vehicle.
Administration fees: Includes Administration fees or anything similar that are charged for processing damage claims (also called handling fees, carriage fees, postal fees, accident fees). Transaction fees that you pay to your credit card company are not covered.
Drop off/relocation of damaged vehicle: Includes drop off/relocation costs of your rental vehicle if there’s a breakdown.
Loss of use/demurrage fees: Includes fees charged by rental companies for loss of use while the vehicle is being repaired.

If any fees from the rental company are unreasonable, we may refer the claim to the dispute process outlined in Special Conditions.

You are not covered where...

You or another driver on the rental agreement breached any term of the rental agreement.
You or another driver on the rental agreement contravened driving rules or laws in any local jurisdiction where the rental vehicle was driven.
You have given misleading or fraudulent information. We reserve the right to recover any claims that have been paid based on any misrepresentation.
You have not provided documents that have been requested during the claims process.
You paid the rental company in cash and have insufficient evidence for that payment.
The event for which you are making a claim occurred before the product was purchased.
You incur costs resulting from misfueling your rental vehicle (i.e. using incorrect fuel) or mechanical failure caused by you driving in a manner which is reckless, or which otherwise violates the terms of your rental agreement.
You did not notify police if required by the terms of your rental agreement. We recommend that you understand the local requirements for notifying authorities prior to picking up your vehicle.
Your personal items are lost, stolen or damaged.
You are liable for injuries to passengers, other drivers or any other party.
You are liable for damages to the property of passengers, other drivers or any other party.
The vehicle has been driven on an unsealed road, except for access roads to your accommodation venue.
The rental vehicle has been driven off-road.
Your rental vehicle is being used for deliveries or similar commercial purposes.
Your rental vehicle does not meet the definition of ‘rental vehicle’. This includes, but is not limited to, a truck/lorry, van, bus, racing car, street car, motorcycle, scooter, moped, motorhome, RV, campervan or a vehicle that you’ve driven on an unsealed road (except where the unsealed road is an access road to your accommodation venue).
Your rental vehicle requires a non-standard driver’s licence in your region/s of travel.
You have released the at fault driver or rental company from liability without our prior written consent or otherwise compromise our ability to cover loss.
There is a claim arising directly or indirectly from: (i) war and acts of terrorism (ii) you engaging in active war (iii) nuclear risks.
There is any loss, damage, liability, cost or expense caused deliberately or accidentally by:

a. The use of or inability to use any application, software or programme;
b. Any computer virus;
c. Any computer related hoax relating to a. and/or b. above.

General Conditions / Eligibility Requirements

All of the following conditions and/or eligibility requirements must be met for you to qualify for reimbursement:

Your name must be on the rental agreement and it must be signed. Other drivers that are on the rental agreement with you are also covered.
You must not have breached any terms of the rental agreement.
Coverage is limited to one vehicle per rental, for the duration of coverage, except if your rental vehicle has been replaced by the rental company. Each time that you sign a new rental agreement you will need a new product.
You must take reasonable care to protect the rental vehicle and avoid damages.

You have purchased at least the most basic CDW coverage offered by the rental company.

Special Conditions

Subrogation

You agree that, if we pay your claim, then in addition to any common law and equitable rights of subrogation that we may have:

we assume all of your rights of recovery for loss and you permit us to bring legal or other action in your name to enforce those rights. If you are eligible for a future reimbursement by the rental company or another third party (for instance if you are deemed to have not been the driver who was "at fault"), then you agree that we are entitled to those proceeds.
you will provide all reasonable assistance to us to recover such amounts and/or settle claims (including the provision of documents and affidavit or witness statements or signing a settlement agreement).

Prior to the payment of any claim by us you agree to provide all information and assistance to us to determine if you have made a valid claim, which includes and is not limited to:

providing documentation confirming the rental agreement and any additional insurance or CDW coverage terms and payments made by you to the rental company; and
requesting a charge back to the credit card issuer of the credit card used to rent the rental vehicle or pay any excess or other payment to the rental company and disputing such payments if requested by us.

“Disputed” charges from the rental company

If the rental company’s charges are inconsistent or unfair, as deemed by you or our claims team, we will outline a process for the recovery of the charges through your credit card issuer. If you are unsuccessful in recovering these charges and can evidence this to us, we will then consider these charges under the terms of this policy. Examples include, but are not limited to, charges for interior, wear and tear or other damage that you are not responsible for or mechanical failure or inflated repair costs.

Currency calculations and fees that you pay to your credit card issuer

Claims are calculated based on the currency that was originally charged by the rental company (this is the “currency of loss”). Our claims calculation does not include international card or other fees or foreign exchange conversions applied by your credit card issuer. Our claims process allows you to convert your approved claim amount from the original currency of loss to your preferred currency, using a retail exchange rate.

Incidents involving another vehicle

In cases where another vehicle (a “third party”) has been involved in an accident, and details of that vehicle and/or its driver are available, we require that information to be provided during the claim process. We may also confirm from the rental company that they have received those details. Rental companies will often charge you an amount up to the excess and reimburse you if you are deemed to be “not at fault” as a result of an investigation between the insurers of each driver. We will assist you to help ensure you’re expediently reimbursed.

If we pay out a claim before completion of any investigation, we reserve the right to recover the reimbursable funds on your behalf. We will bring action in your name to enforce these rights.

Cancellation by us

We reserve the right to cancel your coverage. Examples include, but are not limited to, the discovery of misleading information or a sanction irregularity or at our underwriter’s request.

Cancellation by you

You can cancel at any time up until pick up for a refund.

Referrals from rental companies

We authorise distribution partners to sell our policies. To avoid a rental company's conflict of interest, if you have been recommended or directed to our service by a rental company that is not an authorised distribution partner of ours, your claim will instead be referred to the "disputed charges" process to ensure a fair outcome.

Claims over $3,000

After reporting damages to the rental company, if your costs are likely to exceed $3,000, please notify us via our claim form before you pay the rental company. We may handle payment and negotiation on your behalf per the rights outlined in this agreement. Get started at rentalcover.com/claim.

Making a Claim

Visit rentalcover.com/claim to start the claim process. To ensure you are treated fairly by the rental company, if the charges are likely to exceed $3,000 please notify us via the claim form before you pay the rental company (refer to ‘Claim pre-approvals over $3,000’.

You will need photos or scans of these documents:

Your rental agreement from the rental company.
Your driver’s licence.
Bank statement showing your payment for the damage.
Final invoice from the rental company (available when the damage costs are settled - this may differ from your initial invoice).
We may also request that you provide an invoice showing the repair cost for damages.
Police report, if applicable.
All correspondence with the rental company.
Other documents as requested by your claims officer including any CDW terms and conditions or alternative coverage or insurance that may apply.

Reimbursable claims (where we reimburse you for costs that you have paid) will be paid in the currency in which you incurred the loss. Our claims calculation does not include fees or foreign exchange conversions applied by your credit card issuer. You can convert your approved claim amount from the original currency of loss to your preferred currency, using a retail exchange rate.

Cancellation and refunds

The cancellation terms are outlined on your Certificate.

Definitions

Any word defined below will have the same meaning throughout:

Accident or collision: means a sudden, unexpected event caused by something external and visible, which results directly in loss or damage.
Active war: means Your active participation in a war where you are deemed under English Law to be under instruction from or employed by the armed forces of any country.
Bodywork: means the metal frame of your rental vehicle.
Call out fee: means a roadside assistance charge from a service provider to attend to a vehicle breakdown.
Certificate: means a validation Certificate issued which describes who is covered under this product. This is provided along with your confirmation email or invoice.
Country of residence: means your place of residence.
Currency of Loss: means the currency that was originally charged by the rental company for the damage charges.
Distribution Partner: means contractually authorised distributor of our service.
Excess: means the amount paid - or payable - by you to the rental company, if there’s accidental damage or theft. RentalCover.com products are "zero excess", meaning there is no excess deducted by us for a claim.
Full value: means the market value of the rental car at the time of your claim. This is the cover limit and is the most we pay in the event of a claim.
Insurer: means a Consortium of Lloyd’s syndicates managed by Arch Managing Agency Limited.
“Not at fault”: means that one of the drivers is not deemed responsible for damages after an investigation between the insurers of each driver.
Natural weather event: means an event caused by natural forces, including but not limited to fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm that was impossible to predict at the time you acquired this product.
Nuclear risk: means ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or radioactive toxic explosive or other hazardous properties of any explosive.
Policy: means this reimbursement policy that reimburses the charges as outlined in the benefits table.
Rental agreement: means the contract provided by a rental company in respect to the provision of a rental vehicle that contains your signature confirming you agree to its terms.
Rental company: means a commercial operation in business to rent out vehicles which are fully licensed, where applicable, by the regulatory authority of that country, state or local authority including online "share" or "peer to peer" websites, loan cars from a licensed mechanic or accident replacement vehicles.
Rental vehicle: means the private passenger automobile rented from an authorised rental company - including mechanic loan cars and accident replacement cars - at the time the rental contract is signed, including online "share" or "peer to peer" websites, loan cars from a licensed mechanic or accident replacement vehicles.
RentalCover.com: the website which distributes the product and provides the claims administration system.
Tax: means a government tax that is payable by you in addition to the cost of the product.
Terrorism: means an act including, but not limited to, the use or threat of force and/or violence of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Theft: means a rental vehicle that has been stolen, to either a known or unknown location, without your permission.
Vandalism: means a rental vehicle that has been damaged intentionally by you or someone known or unknown to you.
You/your: means the person named on the Certificate and any other person who drives the same rental vehicle and is listed on the same rental agreement.

Information You Give Us

In deciding to accept this insurance and in setting the terms and premium, we have relied on the information you have given us via our distribution partner. You must take reasonable care to provide complete and accurate answers to the questions asked when you take out your policy. If the information provided by you is not complete and accurate:

· we may cancel your policy and refuse to pay and claim, or
· we may not pay any claim in full, or
· we may revise the premium, or
· the extent of the cover may be affected.

If you become aware that any information you have given is incomplete or inaccurate, please visit rentalcover.com as soon as possible.

Compliance Statement

Data Protection Notice

We are the data controller (as defined by the Data Protection Act 2018 and all applicable laws which replace or amend it, including the General Data Protection Regulation) who may collect and process your personal information.

For full details of what data we collect about you, how we use it, who we share it with, how long we keep it and your rights relating to your personal data, please refer to our Privacy Notice which is available on our website https://www.archcapgroup.com/privacy-policy/.

If you do not have access to the Internet, please write to the Group Data Protection Officer (address below) with your address and a copy will be sent to you in the post.

In summary:

We may, as part of our agreement with you under this contract, collect personal information about you, including:

· Name, address, contact details, date of birth and cover required.
· Financial information such as bank details.
· Details of any claim.

We collect and process your personal information for the purpose of insurance and claims administration.

All phone calls may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality control purposes.
Your personal information may be shared with third parties which supply services to us or which process information on our behalf (for example, premium collection and claims validation, or for communication purposes related to your cover). We will ensure that they keep your information secure and do not use it for purposes other than those that we have specified in our Privacy Notice.

Some third parties that process your data on our behalf may do so outside of the European Economic Area (“EEA”). This transfer and processing is protected by EU Model Contracts which aim to provide the equivalent level of data protection to that found in the EU.

We will keep your personal information only for as long as we believe is necessary to fulfil the purposes for which the personal information was collected (including for the purpose of meeting any legal obligations).

We will share your information if we are required to by law. We may share your information with enforcement authorities if they ask us to, or with a third party in the context of actual or threatened legal proceedings, provided we can do so without breaching data protection laws.

If you have any concerns about how your personal data is being collected and processed, or wish to exercise any of your rights detailed in our Privacy Notice, please contact:

Group Data Protection Officer, Arch Managing Agency Limited, 5th Floor, Plantation Place South, 60 Great Tower Street, London EC3R 5AZ, UK, [email protected], T + 44 20 7621 4500.

Sanctions

We shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of any sanctions regimes applicable to us.

Jurisdiction and Law

This policy shall be governed by and construed in accordance with the laws of the country in which the risk is situated, without prejudice to the provisions set out in Regulation (EC) 593/2008, and if the country where the risk is situated cannot be determined (for example risks occurring in international waters), then the laws of England shall apply. Each of the parties that the plan applies to irrevocably agrees that the courts of England shall have exclusive jurisdiction to hear and decide any suit, action or proceedings, and/or to settle any disputes, which may arise out of or in connection with this policy or its formation or validity and, for these purposes, each party irrevocably submits to the jurisdiction of the courts of England.

Policy Issuer

This policy of Insurance is provided by RentalCover.com, a trading name of Cover Genius Ltd. whose registered office is Unit 6, 4 Ravey Street, London EC2A 4QP. Cover Genius Ltd is a company registered in England and Wales under Company No 09408621.

Cover Genius Ltd is a firm authorised and regulated by the Financial Conduct Authority (FRN: 750711). Cover Genius acts in its capacity as an agent of the Insurer and not the Policyholder. If you purchase a policy from Cover Genius, the Company receives a commission which is a percentage of your premium.

This insurance is underwritten by a Consortium of Lloyd’s syndicates managed by Arch Managing Agency Limited. Registered office: 5th Floor, , 60 Great Tower Street[AB1] , London EC3R 5AZ. Registered in England no. 06948515. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Ref. 526140.

Lloyd's has an A+ rating from Standard & Poor's, AA- from Fitch and A from A.M. Best. The rating scale is: A++, A+(Superior), A,A- (Excellent), B++, B+(Good), B, B- (Fair), C++,C+ (Marginal),C,C-(Weak), D (Poor), E (Under Regulatory Supervision), F (In Liquidation), S (Rating Suspended).

Certification of Cover

This Policy is issued to you by Cover Genius Ltd. in its capacity as our agent under Binding Authority number B11932A210056. In exchange for you paying the premium, you are Insured in accordance with the terms & conditions contained in this Policy (and any amendments made to it) for the duration of your Policy.

Signed by

Graeme Dean, Head of Insurance
Authorised signatory of Cover Genius Ltd.

Complaints/Disputes

You can contact our Claims Complaints Team ([email protected]) for a formal review of your claim or if you have other concerns.

We will respond within 5 days.

If this does not resolve your complaint you may refer it either to Lloyd’s Underwriters’ General Representative in New Zealand using the following contact details: Mr Scott Galloway, Lloyd's General Representative in New Zealand, c/o Hazelton Law, Level 29 Plimmer Towers, 2–6 Gilmer Terrace, Wellington.

If your complaint is still unresolved to your satisfaction, you can refer the matter to the Insurance & Financial Services Ombudsman (IFSO). The IFSO provides free and independent dispute resolution services for consumers who have general insurance disputes. The contact details for the IFSO are: Insurance & Financial Services Ombudsman, Free Phone: 0800 888 202, Telephone: + 64 4 499 7612, Fax: + 64 4 499 7614, Post: PO BOX 10-845, Wellington 6143, New Zealand, Email: [email protected].

Disputes

The Insurer accepting this Insurance agree that:

If a dispute arises under the policy, the policy will be subject to New Zealand law and practice and the Insurers will submit to the jurisdiction of any competent Court in New Zealand;

Any summons notice or process to be served upon the Insurer may be served upon:
Lloyd’s General Representative in New Zealand, PO Box 5639, Wellington 6145, New Zealand, who has authority to accept service and to appear on the Insurers behalf;
If a suit is instituted against any of the Insurers, all Insurers participating in this Insurance will abide by the final decision of such Court or any competent Appellate Court.

Several Liability

The subscribing Insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing Insurers are not responsible for the subscription of any co-subscribing Insurer who for any reason does not satisfy all or part of its obligations.

The Insurance Council of New Zealand Fair Insurance Code

Cover Genius Ltd are not domiciled in New Zealand and therefore this policy is not subject to the protections afforded by the Insurance Council of New Zealand Fair Insurance Code. Despite this, the underwriter will act consistently with the standards contained in the Fair Insurance Code.

Last Updated: 19 March 2021