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Car Rental Insurance in Australia

For campervan and motorhome rentals, try our motorhome and campervan excess coverage overview or for 4x4s and 4x4 campers, try our 4x4 excess coverageag page

At the rental desk you will be offered insurance (also called Excess Reduction or Excess Waiver or Super Collision Damage Waiver (SCDW) or Super Loss Damage Waiver (SLDW) etc). You DO NOT need to take that! Instead you can purchase a policy which will provide coverage for the "excess" which applies to any rental vehicle locally. The vehicle's standard liability is the maximum amount you would have to pay in the event of an accident. For example, a car with $2200 standard liability means that any damages up to $2200 in repair costs will be paid by you. This payment for repair costs is called "excess" and the rental companies offer to reduce that for a certain amount per day depending on the company and vehicle you have chosen.

Using, you would pay the rental company in the event of damages and then claim that amount to the issuer of your policy.

The tables below show the three key amounts relating to car hire excess in each country, namely:

  1. Standard liability (also known as "standard excess"): This is the amount that you would pay for damages if you do not take the supplier's "excess reduction" (see #2 below)
  2. Cost of excess reduction (also known as "excess waiver" and "damage waiver"): This is the amount payable per day to reduce your excess towards the "reduced excess/claim fee" (see #3 below)
  3. Reduced excess: This is the maximum amount payable if you take out excess reduction, akin to a maximum "claim fee".


This table shows the local standard excess and excess reduction amounts. All can be reduced by paying a daily amount to the rental company for "excess reduction". This reduces the "standard excess" figure shown to the "reduced excess" amount shown:


Supplier (1) Standard Liability/Standard Excess (i.e. max. excess payable)

(2) Excess Reduction (cost per day)
Excludes Airport Surcharge of 10%-25%*

(3) Reduced Excess (max. amount payable if you "reduce excess") N/A ( provides coverage for the below amounts) $5 to $15 per day $0
Suppliers in Australia include: Hertz, Europcar, Thrifty, Redspot, East Coast Car Rentals and others $2000 to $8250 $14.5 to $65 per day $0 to $2500











Airport pickups incur an extra 10%-25% fee. For example, excess reduction on a car from Europcar Sydney Airport would cost $36.86 plus 25% for airport surcharges. This would reduce your excess (i.e. your "reduced excess") from $3500 to $390:

With Rental Cover you would be much better off:

1. Your claim fee would be $0, versus the local rental companies whose reduced excess is usually higher (especially for cheap policies).
2. The price policy guarantees that you will pay minimum 50% less compared to the rental company's excess reduction.
3. The rental companies exclude many common types of damage, including windscreen, tyre, underbody, roof and overhead damages and damages caused by driving at night, hitting animals, in single vehicle accidents, demurrage, and more.
4. Avoid scams that the authorities infrequently crack down on.