Full Protection

Full Protection is sold by our partner Booking.com. 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. Visit rentalcover.com/account to get started.

Plan Wording

Your Coverage

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

All drivers 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 when you rent a vehicle for a specified journey as 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, and lights, including external glass and lights.
✓ Damage to wheels and tyres including punctures, fittings, replacements, and repairs.
✓ 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.
✓ Damage caused by natural weather events.

You are also covered for...

✓ Towing and roadside assistance fees: You are covered for towing or roadside assistance costs including call out fees 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). This does not include fees applied by your credit card company for processing or costs incurred for any other reason.
✓ Drop off/relocation of damaged vehicle fees: 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 we think 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 breach a condition of this protection for example, failing to purchase one of the rental company’s CDW coverage options.
Where you or another driver on the rental agreement breach any term of the vehicle rental agreement.
Where you or another driver on the rental agreement contravene driving rules or laws in any local jurisdiction during the specified journey.
Where you have given a false or misleading statement or you have engaged in fraudulent conduct. We reserve the right to cancel the cover and recover any claims that we have paid to you based on any fraudulent conduct.
Where you have not provided the necessary documents that we have reasonably requested during the claims process which means we cannot verify whether your claim comes within these terms and conditions.
Where you paid the rental company in cash and have insufficient evidence for that payment - appropriate evidence would include ATM/cash withdrawal receipt, bank statement, or credit card statement.
For transaction costs applied by your credit card including international card and foreign exchange fees.
Where the event for which you are making a claim occurred before this protection was purchased.
Where you incur costs resulting from using incorrect fuel in your rental vehicle.
Where you incur costs from mechanical failure caused by you driving in a manner which is reckless, or in a manner which otherwise violates the terms of your rental agreement.
Where you did not notify police of damage, theft or other events and this was required by the terms of your rental agreement. We recommend that you understand the local requirements for notifying authorities before picking up your vehicle.
Where you are liable for injuries to passengers, other drivers or any other party.
Where you are liable for damage to the property of passengers, other drivers or any other party.
Where you have driven the rental vehicle off-road or on an unsealed road, except for unsealed roads which you are required to use to access your accommodation venue.
Where your rental vehicle is being used for deliveries or similar commercial purposes.
Where your rental vehicle does not meet the definition of rental vehicle in these terms and conditions.
Where your rental vehicle requires a non-standard driver’s licence in your region/s of travel.
Where you have admitted you are “at fault” in relation to an accident or collision. This means you have, without our prior written consent, compromised our ability to recover any loss from the other driver. If you are an “at fault” driver, you should always inform the other driver that you will contact us. You should not accept responsibility for the incident by signing or agreeing to anything relating to the incident without first telling us.
If your rental is a high-performance sports or luxury vehicle or a supercar, exotic car, street car or hypercar.
The rental company is not appropriately licenced or authorised to rent vehicles.

Special Conditions

In the event that you make a claim, you agree to provide documentation showing that your rental agreement includes CDW coverage.

Subrogation

You agree that, if we pay your claim, 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. You agree that we may at our discretion bring a legal action in your name to enforce these rights and also request any payment through that enforcement to be paid directly to our bank account of choice and agree to terms to settle the claim without further notice to you or approval from you.
If you are eligible for a future reimbursement by the rental company or another third party (for instance from the "at fault" driver), 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).

You continue to have the right to make a recovery for loss or damage which is not covered by this insurance, where you have a legal right of compensation or recovery against someone who caused that loss or damage.

Disputed charges from the rental company

If you paid for your rental vehicle with a credit card, and if you or our claims team thinks that the rental company’s charges are inconsistent or unfair, we will discuss with you the process for recovering the charges through your credit card issuer (“dispute process”)This is a quick process with a high likelihood of success. Examples of where we may invoke this dispute process include, but are not limited to, exaggerated repair estimates or costs, or any costs that you are not responsible for and charges for third party damages for which you are not liable which might relate to the rental vehicle interior, breakdown, wear and tear and pre-existing damage, or other damage. We may not cover any payments you make to the rental company when there is insufficient evidence that the rental company has incurred the loss (i.e. the rental company claims against you without documentary proof that it has incurred loss and you pay that amount).

If you are unsuccessful in recovering these charges, or did not pay for your rental vehicle with a credit card, we will process your claim under the terms of this protection.

Coverage through other means

If you are covered by another insurance for the same benefits as those listed here, including but not limited to free credit card travel cover or personal auto insurance or CDW, we may request that you provide details of that insurance including the name of the insurance issuer at the time of lodging your claim.

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 to us during the claim process. We may also confirm with 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 the completion of any investigation, as noted above under ‘Subrogation’, we reserve the right to recover the reimbursable funds on your behalf.

General Conditions

This policy is subject to the following conditions:

You are between the ages of 19 and 99 years;
Your name must be on the rental agreement and it must be signed by yourself.
The rental agreement must include any additional drivers.
You must not have breached any terms of the rental agreement.
Coverage is limited to one rental vehicle per rental agreement 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 add protection.
You must take reasonable care to protect the rental vehicle and avoid an accident or collision which may cause damage.
You have purchased at least the most basic CDW coverage offered by the rental company.
You must have only used the rental vehicle on the specified journey.

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.

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.
Proof of ownership, the cost of repair or 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.

Fraudulent Claims

You acknowledge and agree that you have a duty to take reasonable care not to make a misrepresentation when purchasing or making a claim. We reserve the right to cancel your protection for any reason, including but not limited to any form of misrepresentation or non-disclosure (examples include forging documents or deliberately damaging your property). We can also reject claims and take legal action to recover any funds that have been paid based on any misrepresentation. We may retain the premium and refer matters to local authorities.
Cancellation and refunds

Cancellation and refunds

To cancel your protection please log in to your Rentalcover Account. Refunds may be available depending on your purchase date. If you have an open claim, you can still cancel your protection.
If it is your first time logging in to Rentalcover, you will receive an email asking you to confirm your email address. Click the link in this email to finalise your account setup.

Cancellation by us

For reasons such as misrepresentation, non-disclosure, technical errors, and sanctions we may occasionally cancel your protection. You will receive an email notification and a refund.

Definitions

Any word defined below will have the same meaning throughout:

Accident or collision: means a sudden, unexpected event caused by something external, which results directly in loss or damage.
Administration fees: means fees or anything similar that are charged to you by the rental company for processing damage claims (also called handling fees, carriage fees, postal fees, accident fees). Administration fees do not include fees applied by your credit card company for processing or costs incurred for any other reason.
"At fault": means one of the drivers involved in an accident or collision is deemed to be responsible for damages after an investigation between the insurers of each driver.
Breakdown: means mechanical or electrical breakdowns, failures or breakages to the rental vehicle.
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.
CDW: means Collision or Loss Damage Waiver (CDW or LDW) or similar insurance offered by the rental company to limit your liability for damage during the term of the rental agreement.
Certificate: means a validation certificate issued which describes who is covered under this protection. This is provided along with the email or invoice which confirms the cover has been issued to you.
Conditions: mean the general eligibility requirements that you must meet in order to be covered by this protection.
Currency of Loss: means the currency that was used by the rental company for the damage charges that were charged to you
Damage: means physical harm to the rental vehicle that impairs its value, usefulness or normal function.
Drop off/relocation fees: means fees charged to you by the rental company for any drop off/relocation costs of your rental vehicle if the rental vehicle is damaged or there’s a breakdown.
Excess: means the amount paid - or payable - by you to the rental our partner, if there’s accidental damage or theft.
Full value: means the market value of the rental car at the time of your claim, up to a maximum market value of AUD$100,000. This is the maximum amount that we pay in the event of a claim.
High-performance sports vehicles, luxury vehicles, supercars, exotic cars, street cars and hypercars: means vehicles that are marketed similarly and whose replacement value exceeds US$25,000 or equivalent, with the exception of luxury vehicles with Car Classifications of U, L or W.
Key loss or replacement or lock out: means the call out fees, replacement of lost, damaged or stolen car keys, key programming and key delivery charged to you by the rental company.
Loss: means the amounts charged to you by the rental company which are covered by this protection.
Loss of use/demurrage fees: means fees charged to you by the rental company for loss of use of the rental vehicle while it is being repaired.
Natural weather event: means an event caused by natural forces, including but not limited to wind, hail, fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm.
“Not at fault”: means that one of the drivers involved in an accident or collision is not deemed to be responsible for damages after an investigation between the insurers of each driver.
Off-road: means any area that is not a sealed road. It includes, but is not limited to, tracks, rivers, tidal crossings, sand, flood waters, unformed roads, fire trails, rivers, dams, streams, rocks, beaches, creek beds, fields and paddocks.
Period of Protection: means the time and date you pick up the rental vehicle at the start of your specified journey until the time and date you drop off the rental vehicle at end of your specified journey.
Protection: means this reimbursement product that reimburses the charges as outlined in the benefits table.
Rental agreement: means the contract provided by our partner 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 which is in the business of renting out vehicles and 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.
RentalCover.com: the website which distributes the protection and provides the claims administration system.
Rental vehicle: means cars and standard vehicles (including SUVs, wagons and 4x4s) that don’t need special licences and aren’t for commercial or offroad use, rented from an authorised rental company at the time the rental contract is entered into. This includes mechanic loan cars and accident replacement cars. Vehicles which are not rental vehicles include, but are not limited to, a truck/lorry, van, bus, performance, racing car or street car, motorcycle, scooter, moped, motorhome, RV, campervan.
Specified journey: means the trip taken or to be taken in the rental vehicle from your pick up date to your drop off date.
Towing and roadside assistances fees: means call out fees following damage to or breakdown of the rental vehicle.
Theft: means a rental vehicle that has been stolen, to either a known or unknown location, without your permission.
Unsealed road: means a road which is not a sealed road. It includes roads that are not dressed in a hard material such as tar, bitumen or concrete.
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.
We/us/our: means RentalCover.com a trading name of Cover Genius Singapore Pte.

Important Information

Plan Issuer

This plan is provided by RentalCover.com, a trading name of Cover Genius Singapore Pte.

Third-party rights

Except where otherwise required by law, you and we have agreed that:

it is not intended for any third party to this contract to have the right to enforce the terms of this contract.
you and we can rescind or vary the terms of this contract without the consent of any third party to this contract, who might seek to assert that they have rights under this protection.

Data protection

We are committed to protect your personal information and we are committed to the principles of data security in the configuration of our services. With respect to European General Data Protection Regulation (GDPR), as a data controller, we collect and process information about you and we also receive personal information from your booking agent including your email address, name and phone number, risk details and other information which enables us to issue and modify policies and process claims, detect, investigate and prevent activities which may be illegal or could result in your plan being cancelled or treated as if it never existed and protect our legitimate interests. We may share that data from time to time with insurers or contractors investigators, crime prevention organisations who may be outside of the European Union. We will never share your data with external marketing services. Our privacy policy outlines how we process your data, the data that we collect and the processes to undertake should you either wish to request a copy of your data, or remove consent for us to retain your data.
You can access the administrator’s privacy policy at https://www.rentalcover.com/en/privacy.

Complaints/Disputes

You can contact the friendly Rentalcover Complaints Team at any time. Include your reference number (ending with "INS") for a formal review of your claim. We will respond within 5 days. Click the button to send us an email.

FILE A COMPLAINT