All drivers on the rental agreement are covered. 

 
 
BENEFIT TABLE
"Extra Cover for United States"
Your Coverage
If, during the rental period, you are responsible for any loss or damage to a Rental Vehicle as shown below, we will reimburse you up to the amounts shown in the Benefit Table that you have to pay in respect of such loss or damage.
₩3,318,400.00 per incident within the rental period.
Type of damage/accidentAssociated costs & charges relating to accident/accident
  • Theft & Vandalism of vehicle.
Plan Limit
  • Damages excluded by rental companies
    • Includes types of damage that rental companies do not insure, including internals, roof & undercarriage
Plan Limit
  • Windscreen, mirrors, lights
    • Includes all internal and external glass & lights
Plan Limit
  • Wheels & tyres
    • Includes punctures, fitting, replacements
Plan Limit
  • Key Coverage and Lockout
    • Includes callout fees, key loss, replacement, key programming
Plan Limit

Travel Costs you can claim

  • Curtailment / Refund of unused rental days
    • Reimburses you for prepaid rentals that are cut short due to medical reasons, an accident, or damage
Plan Limit
 
  • Roadside Assistance costs
    • Includes call out fees, towing, fuel top ups, international calls for roadside services and other roadside services
Plan Limit
  • Storage Impound Fees
    • Storage costs after a vehicle is towed and impounded
Plan Limit
  • Processing fees
    • Includes Admin fees charged by rental companies
₩135,450.00
  • Drop off/relocation of damaged vehicle
    • Costs associated with delivering vehicle to its destination
Plan Limit
  • Emergency Accommodation & Transport
    • Provides coverage for costs during vehicle repair
₩338,610.00
  • Loss of use/demurrage fees
    • Includes fees charged by rental companies for lost income while vehicle is being repaired
Plan Limit

Plan Limitations

Minimum & maximum age at date of issue19 - 100

 

Underwriter
 
This Plan is provided by RentalCover.com, a trading name of Cover Genius Pty Ltd.

Cover Genius Pty Ltd has secured insurance protection underwritten through Asservo Insurance Company which is authorised by Cayman Islands Monetary Authority (CIMA) with respect to Cover Genius Pty Ltd’s liability for contractual indemnity products.   
 
This Plan is for costs that you are responsible for paying following loss or damage of a Rental Vehicle rented from rental companies, mechanics/claims adjusters/ accident replacement centres & peer-to-peer/sharing platforms.

 

 
When are you not covered?

a. Any claim where you have not met the terms of your rental agreement.

b. Any claim where a contravention of the local laws has taken place resulting in a court action.

 
"Not at fault" accidents

In the event that you have paid expenses to the rental company that would be refundable because you are "not at fault", the Claims Team will outline a process whereby you will be reimbursed expediently (subject to the rental company's cooperation).
Countries
This Plan is valid for Residents of Korea, Republic Of and covers rentals that commence in the United States.
Claims

Your claim will be handled by RentalCover.com.

Make a claim on rentalcover.com/claim.

We seek to resolve all claims within 7 business days.

 
 
 

 

Terms and Conditions

If, during the rental period, you are responsible for any loss or damage to a Rental Vehicle as shown below, we will reimburse you up to the amounts shown in the Benefits Table that you have to pay in respect of such loss or damage:

Theft of Vehicle

You are covered for any costs incurred in relation to an incident of theft, vandalism or attempted theft.

Windscreens, Headlights & Other Lights

You are covered for any windscreen, glass or light damage costs including chips, cracks, replacement and fitting.

Tyres

You are covered for any costs incurred in relation to tyre puncture repairs or replacement.

Key Coverage

You are covered for any costs incurred in relation to replacing a lost or stolen rental vehicle key, including replacement locks and locksmith charges & key delivery. You must follow the guidelines prescribed by the rental company.

Lock Out

You are covered in the event that you are unintentionally locked out of a rented vehicle with the keys inside for the necessary costs incurred to open the rental without causing any further damage. The rental company must approve the locksmith prior to a locksmith being called out.

Emergency Accommodation & Transport Costs

You are covered for any Emergency Accommodation & Transport charges you incur when your vehicle cannot be safely driven home after being damaged or stolen. This includes cost of local overnight hotel accommodation while You wait for repairs to be completed. We will pay Bed & Breakfast only costs up to a maximum of US$400 per Person on the Plan within the overall limit for this Section, on condition that this cost is additional to, or in excess of, any accommodation costs You had planned to pay if the loss of use of the Rental Vehicle had not occurred

Towing

You are covered if you incur towing costs following physical loss or damage to or mechanical breakdown of the rental vehicle which results in a charge to you that has not and will not be reimbursed by the rental company. In the event that the towing charges derive from a “loss of key” or “lock out” or similar key-related issue, the driver must follow the process and guidelines prescribed by the rental company. If a towing company attends to the vehicle rather than an authorised locksmith, and where the rental company's process guidelines have not been followed, related costs will not be recoverable through this Plan.

Administration Costs

You are covered for any rental company charges associated with processing your collision or damage event. These include but are not limited to handling fees, carriage fees, postal fees, accident fees, administration fees or anything of a similar nature.

Drop Off/Relocation of Vehicle

You are covered for any drop off charges you incur in the event of an accident that necessitates the relocation of a vehicle from the accident site.

Loss of Use Charges

You are covered for any rental company charges related to the loss of use or sale of the rental vehicle whilst it is off the road being repaired (also called "demurrage").

General conditions/ eligibility requirements that apply to the whole Plan

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

  1. Your name must be on the rental agreement. Other drivers that are on the rental agreement with you are also covered.
  2. You must accept the terms and you must not have breached any terms of the rental agreement.
  3. Coverage is limited to one Rental Vehicle at a time.
  4. We will pay up to US$4,000 per incident within the rental period.
  5. You must take all ordinary and reasonable precautions to prevent or minimise any loss, damage or breakdown covered under this Plan. 

General Exclusions that apply to the whole Plan


We will not pay claims incurred directly or indirectly as a result of or in relation to: 
  1. Third party liability;
  2. Loss, theft or damage to your personal property;
  3. Damage or loss arising directly or indirectly from:
    1. The operation of the Rental Vehicle when You are driving while intoxicated or under the influence of a narcotic drug;
    2. Any dishonest, fraudulent or criminal act committed by You;
    3. The transportation of contraband or illegal trade;
    4. Participating in a speed contest or race;
    5. Operation of the Rental Vehicle contrary to the terms of the rental contract;
    6. Operation of the Rental Vehicle off of publicly maintained roads except where the road is the sole access road to your accommodation venue;
    7. Intentional damage to or neglect of the vehicle by You;
    8. Inherent vice or damage, insects or vermin;
    9. War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action;
    10. Seizure or destruction under quarantine or customs regulations or confiscation by order of any government or public authority;

Claims

Complete the claim form on www.rentalcover.com/claim explaining in detail the reason for the claim.
Documents required:

  1. Final invoices from the rental company and repair companies which show:
    • The cost of all repairs undertaken
    • The total charges from the rental company in respect of your excess and other charges related to the accident.
  2. Other documents as requested by your claims officer.
  3. All correspondence and documents shared between you and the rental company.
  4. Accident or damage report.
  5. Police Report, if applicable.  

 

General Provisions

Other Insurance 

If, at the time of a valid claim under this Plan, there is an insurance policy in force which covers you for the same loss or expense, you must give RentalCover.com full details of the other policy. We will only pay our proportional share of any claim.
 
Notice to Authorities

Where the loss is, or is suspected to be, due to malicious acts, burglary, robbery, theft, or attempted theft, you must give immediate notice of such loss to the police or other law enforcement agency having jurisdiction.
 
Subregation

We will assume all your rights of recovery and bring action in your name to enforce these rights. In the event that RentalCover.com has paid a claim to you and you are eligible for a future reimbursement by the car hire company (for instance if you are deemed to have not been the driver who was "at fault").
 
False Claim

If you knowingly make a false or fraudulent claim in any respect, you will not be entitled to any coverage or benefits under this policy nor to the payment of any claim under this Plan, and we will enforce our rights of recovery for any claims that have been paid.

Data Protection Act 1998

We may store, use and process your personal information in order to administer your Plan and provide you with our services; identify other products and services that might be suitable for you; renew your Plan with us and keep our records about you up to date. We may also use the information to prevent and detect fraud and/or money laundering or similar activity. Under the Data Protection Act 1998 you are entitled to a copy of the information we hold about you on request, upon payment of the relevant fee. Please let us know if you think any information we hold about you is inaccurate so that we can correct it. The information we hold about you is confidential. We will only ever disclose it to another party with your consent, for the purposes of contacting you about other products or services, if the law requires us to disclose it and/or to our agents providing services to you.

We may monitor and record phone calls to help maintain our quality standards and for security purposes.

Jurisdiction and Law

This Plan shall be governed and construed in accordance with the law of New South Wales, Australia. Any dispute under this Plan shall be resolved within the jurisdiction of the courts of New South Wales.

The Cancellation Terms allow you to cancel the Plan without cause and in doing so you will obtain a full refund of premium, provided the rental agreement has not commenced and you have not reported or intend to report a claim. 

Reimbursement Plan Issuer 

This Plan is provided by RentalCover.com, a trading name of Cover Genius Pty Ltd.

Cover Genius Pty Ltd has secured insurance protection underwritten through Asservo Insurance Company which is authorised by Cayman Islands Monetary Authority (CIMA) with respect to Cover Genius Pty Ltd’s liability for contractual indemnity products. Cover Genius Pty Ltd is a company registered in Australia under company no: 43 159 983 598.

Period of Cover

This Plan is valid for policies issued providing you have paid the appropriate premium, as shown in your certificate of cover. This is the period for which we have accepted the premium as shown in your certificate of cover. During this period any rental agreement must not exceed 365 days. This would include not covering you, regardless of your incident date, for any claim that relates to a booked rental agreement that is longer than 365 days in respect of a single rental agreement. 

 
Complaints/Disputes 

If your complaint is about the administration of your Plan or the way a Plan was sold to you:

If at any time you have any query or complaint regarding the administration of your Plan or the way the Plan was sold, you should in the first instance refer to RentalCover.com, trading style of Cover Genius Pty Ltd. Email: [email protected], Phone: +61 2 8188 4745.

If you have a query or complaint regarding the administration of your claim, address your complaint to:

The Customer Experience Manager
Email: [email protected]

The relevant party will contact you within five days of receiving your complaint to inform you of what action they will take.

 

Definitions

Any word defined below will have the same meaning wherever it is shown in your Plan.

Accident or Collision means a sudden, unexpected event caused by something external and visible, which results directly in loss or damage.

Certificate of Coverage means a validation certificate issued which describes who is covered under this Plan. This is provided along with your confirmation email or invoice.

Country of residence means your place of residence.

Covered/ You/ Your means the person named on the reimbursement plan summary page and any other person who drives the same rental vehicle and is listed on the same rental agreement.

Excess means the amount payable in the event of theft or damage. Excess is charged by the rental companies and can be claimed from RentalCover.com.

Plan means this reimbursement Plan that reimburses the full value of the Rental Car Excess charges.

Rental Agreement means the contract provided by a rental company in respect to the provision of a rental vehicle that contains the signature of the Plan holder.

Rental Car company means a commercial operation in business to rent out vehicles that is 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 a Rental company 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, a website owned by Cover Genius Pty Ltd means the Plan Issuer and Claims administration system.

Tax means a Government tax that is payable by you in addition to the Plan fee.

Theft and Vandalism means a vehicle that has been stolen or damaged, to either a known or unknown location, without your permission.

Last Updated: 30-10-2018