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Car Rental Insurance in NZ

For campervan and motorhome rentals, try our motorhome and campervan excess coverage overview or for 4x4s and 4x4 campers, try our 4x4 excess coverage 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). Instead you can purchase a RentalCover.com 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 RentalCover.com, you would pay the rental company in the event of damages and then claim that amount to the issuer of your RentalCover.com policy.

Theer are 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".
With our policy: 

1. Your RentalCover.com claim fee would be $0.
2. Your RentalCover.com price is very competitive.
3. Your RentalCover.com policy includes all 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.