You may also wish to view our pages for car hire excess information and 4x4 excess information

Excess Coverage For Motorhomes & Campervans

When you rent a campervan or motorhome you will be offered several insurance alternatives. RentalCover.com provides an independent product called "excess coverage" which provides coverage on any excess payments that you make to the supplier for vehicle damage. If you take out a policy from RentalCover.com you do not need the supplier's excess reduction or other insurance products.

All the policies on RentalCover.com have been vetted by our insurance team to ensure that common events typically excluded by the rental companies are all insured. The following are all inclusions (i.e. claimable) with RentalCover.com policies but are generally excluded by the rental companies. For a full review of each motorhome and campervan company see the table below.

  • Windscreen, tyres, underbody, roof, awning and water damage are all insured by RentalCover.com.
  • Rollovers, single vehicle accidents, hitting animals and driving at night are all insured. 
  • Demurrage (the lost revenue when a vehicle is off the road for repairs) is insured.
  • The products are tailored to the needs of the specific market. For example, kangaroos are a hazard for Australian drivers. Policies on RentalCover.com specifically provide coverage for damages caused by animals. Many policies issued from the UK for Australian rentals do not know the local conditions and will seek to exclude damages based on their fine print.

Excess Reduction Overview - Campers & Motorhomes Within Australia

The following table reviews the excess reduction alternatives from the major campervan suppliers in Australia:

Supplier Standard Liability/Excess
i.e. max. excess payable for damages

Price Per Day
Daily price of premium/best excess reduction option

Premium Excess Reduction
Premium/Best option reduces your excess to this amount
Inclusions Windscreens/Tyres Included?

Demurrage Included?
Demurrage is the loss of rental income while vehicle is being repaired

Other Exclusions
Note: The following are either considered breaches of the supplier's excess reduction policy terms, or breaches of the rental terms. Repair costs will typically be charged at the full rate (i.e. repair cost may exceed the standard excess)

Bond Amount & Type
Bonds are paid if you do not take excess reduction. Debit bonds are deducted from credit card (usually with card fees) & refunded if there's no damage. Imprint bonds are not debited.

Credit Card Fees
Apply to all transactions incl. debit bonds
Around Australia (AA) $6000 $25-$45 $450

- 1 windscreen & 2 tyres
-Roll overs

 

yes, limited yes

- Water related damage
- Inventory damage
- Damage to the air-conditioning unit                                                        

- Awning
- Recovery costs
-Overhead & underbody

The damage liability fee applies to each incident, not per rental.

$6000, debited none
All Seasons $2500-$3000 $25 $0 - $500

- 1 front windscreen &  1 tyre
 

yes, limited no

- Towing vehicle to a different town
- Loss of keys
- Water related damage

- Roll overs
- Overhead & underbody

- Failure of maintaining fluid levels, checking engine oil, radiator water and battery levels every day. driving with no fan belt, or radiator cap. low fluid levels,  in a dangerous manner.

$2500-$3000, debited n/a
Apollo $5,000 - 
$7,500
$65 $250 - 1 windscreen & 2 tyres
 
yes, limited yes

- Part or total water submersion
- Single vehicle roll over
- Contamination
- Damage to awning, slide out
- Roof and Underbody

(starting from 1 April 2015, Apollo's insurance policies will not provide coverage on any damages to awning, overhead and underbody of the vehicle)

$5,000 -
$7,500, debited
2% Mastercard and Visa fee, 4,5% for Amex
Awesome Campers $3000  $30 $0 The Vehicle is insured for third party vehicle and property damage, tyres, front winscreen only yes yes

- Roof
- Tent
- Windows
- Underbody
Single vehicle roll over
- Replacing keys

$3000, imprint 2,5% Mastercard and Visa fee
Bargain Car Rentals $2000 $27-$39 $0 - Damage to any internal fixture and fittings of the vehicle;
- Towing or retrieval costs
- Windscreen
- Tyres
yes yes

- Overhead and under carriage damage
- All towing or retrieval costs
- Damage to any internal fitting

$2000, debited 1,75% Eftpos Surcharge
Boomerang Campervans $1000 - $1500 $20-$25 $250 - Windscreen & tyres yes yes

- Underbody & roof damage
- Towing costs

- Loss of keys
- Water related damage
- Failure of maintaining fluid levels, checking engine oil, radiator water and battery levels every day.

$1000 - $1500, debited 2% Visa/ Mastercard
Britz $7500 $65-$75 $250 - $500 - Vehicle damage, overhead and underbody
- Windscreen & tyres
yes yes

- Recovery & towing costs
- Replacing keys
- Overhead/ underbody or single vehicle rollover damage to the 4WD vehicle –    except where 4WD Easy Cover Plus has been purchased.

- Single Vehicle rollover unless additional protection coverage has been  purchased
- Any damage caused to the vehicle due to the use of snow chains.

$7500, debited 2% Mastercard and Visa fee, 4,5% for Amex, refundable
Camperman $500 - $500 Vehicle body damage & third party damage no no

- Water related damage
- Windscreen & tyres unless additional protection coverage has been purchased
- Inventory
Underbody & roof
- Vehicle roll over
- Towing and recovery charges

$500, debited 2% Mastercard and Visa fee, 4,5% for Amex, refundable
Cheapa  $2700-$5000 $28 - $37 $0 Vehicle damage yes no - Windscreen and tyres
- Underbody & roof damage

- Water related damage
- Single vehicle roll over.              
- Contamination
- Awning and slide out damage
- Demurrage
$2700-$5000, debited 2% Mastercard and Visa fee, 4,5% for Amex
Cruisin $5000 $48 $300 Vehicle damage no yes

- Water related damage
- Windscreen & tyres unless additional protection coverage has been purchased
- Single vehicle roll over
- Contamination
- Awning
- Underbody & roof damage 

$5000, debited 2% Mastercard and Visa fee
Hippie Campers $2500 $20-$30 $100 Vehicle damage no no

- Underbody & roof damage
- Windscreen & tyres
- Water related damage
- Single vehicle roll over.

- Awning
- Demurrage

$2500, debited 2% Mastercard and Visa fee, 4,5% for Amex
Jucy $3000  $30 $0 All damage to third party property, damage to the rented
vehicle including tyres, towing and recovery costs, theft, fire, break-in or vandalism, underbody
yes yes

- Replacing keys 
- Driving while the vehicle’s engine is overheated
- Inventory
- Roof
- Windscreen/ chips
- Singe vehicle rollover

 

$3000, imprint 2% Mastercard and Visa fee, 4,5% for Amex
Kea NIL Included in daily rate $0 Vehicle damage, windscreen and tyres, underbody and overhead, single vehicle rollover yes yes - Breaching the terms of Rental Contract or negligence
- Replacing keys
- Damage caused to the vehicle due to the use of snow chains.
- Contamination
NIL 2% Mastercard and Visa fee, 4,5% for Amex, refundable
Lucky Rentals $2500 $25 $0 Vehicle damage yes, limited yes

- Contamination
- Driving on a beach or sand
- Recovery & towing costs
- Single vehicle rollover
Underbody & roof damage
- Driving while warning light appears on the dashboard, overheating or after a  mechanical breakdown

$2500, imprint 2% Mastercard and Visa fee, 5% for Amex
Maui $7500 $65 $0

- Damage includes any and all damage to
Third Party property, damage to the rented vehicle
including windscreens, tyres, towing and recovery
costs, theft, fire, break in or vandalism

- Overhead /underbody

yes yes - Replacing keys
- Single Vehicle rollover unless Additional Protection Coverage has been  purchased
- Any damage caused to the vehicle due to the use of snow chains
- Contamination 
$7500, debited 2% Mastercard and Visa fee, 4,5% for Amex, refundable
Mighty Campervans $3500- $5000 $39 $0 - Damage includes any and all damage to
Third Party property, damage to the rented vehicle
including windscreens, tyres, towing and recovery
costs, theft, fire, break in or vandalism
-
 Overhead / underbody
yes yes

- Breaching the terms of Rental Contract or negligence
- Replacing keys
- Single Vehicle rollover unless Additional Protection Coverage has been purchased;
- Any damage caused to the vehicle due to the use of snow chains; and
- Contamination

$3500- $5000, debited 2% Mastercard and Visa fee, 4,5% for Amex, refundable
Spaceships  $3000 $30 $0 Vehicle damage, overhead / under body damage, tyres and windscreen, single vehicle accident  yes yes - Water related damage
- Single vehicle rollover
- Inventory unless caused by a motor accident
$3000, debited

2,2% Mastercard and Visa fee, 5% for Amex, Diners

Travellers Auto Barn $2500 $25 $0 - Vehicle damage
- windscreen and tyres

 
yes, limited yes

- Water related damage
- Contamination
- Damage to awning
- Overhead & roof damage
- Single vehicle rollover and write off

- Damage caused by hitting an animal whilst driving before dawn or after dusk outside of any city limits
- Replacement of lost keys

$2500, imprint 2,2% Visa/ Mastercard, 5% Amex
Wicked Campers $3000 - $5000 $25 - $40 $1 for international residents /$100 for NZ/AU residents. Vehicle damage (only own vehicle), incl. 1 front windscreen and 2 tyres yes, limited yes

Damages caused by the following are not insured by any liability option. Liability for damages can be up to the full vehicle value.

- Damage caused by speeding, intoxication
- Driving on highways or any rural areas between the hours of 5pm and  8am
- Falling asleep at the wheel or fatigue
- Single-vehicle incident and/or single-vehicle rollover
- Incidents involving animals
- Damage caused by reversing vehicles
- Roof/Underbody damage
- Repairs caused by theft, fire and break-in
- Stationary Incidents: Any damage incurred while the vehicle is stationary is not insured, unless there is another vehicle involved that has been identified and reported to the police. The hirer has a duty to park the vehicle in safe areas when not in use.

$3000-
$5000, debited
4% Admin & Contract fee. AMEX not accepted
 
 

Excess Reduction Overview - Campers & Motorhomes Within New Zealand

The following table reviews the excess reduction alternatives from the major campervan suppliers in New Zealand:

Supplier Standard Liability/Excess
i.e. max. excess payable for damages

Price Per Day
Daily price of premium/best excess reduction option

Premium Excess Reduction
Premium/Best option reduces your excess to this amount
Inclusions Windscreens/Tyres Included?

Demurrage Included?
Demurrage is the loss of rental income while vehicle is being repaired

Other Exclusions

Bond Amount & Type
Bonds are paid if you do not take excess reduction. Debit bonds are deducted from credit card (with card fees) & refunded if there's no damage. Imprint bonds are not debited.

Credit Card Fees
Apply to all transactions incl. debit bonds
Alpha Campervans $5000 $31.5 - $45 $0 Vehicle damage, third party damage, single vehicle accident, vehicle rollover, underbody and overhead of the vehicle, windscreen and tyres yes yes Breaching the terms of Rental Contract or negligence
- Water related damage
- Driving on restricted roads
- The hirer has repairs made to the vehicle without the insurer's permission.
- The hirer admits and accept responsibility for third party damage
$5000, debited 2% Mastercard and Visa fee, 4,5% for Amex
Apollo $5,000 -
$7,500
$45 $250 - 1 windscreen & 1 tyre yes. limited yes

- Breaching the terms of Rental Contract or negligence
- Water related damage
- Single vehicle roll over

- Contamination
- Damage to Awning or the slide out
- Overhead/Underbody


(starting from 1 April 2015, Apollo's insurance policies will not provide coverage on any damages to awning, overhead and underbody of the vehicle)              

$5,000 -
$7,500, debited
2% Mastercard and Visa fee, 4,5% for Amex
Britz $7500 $65 $0

Damage includes any and all damage to
Third Party property, damage to the rented vehicle
including windscreens, tyres, towing and recovery
costs, theft, fire, break in or vandalism.

- Overhead/Underbody

yes yes - Breaching the terms of Rental Contract or negligence
- Replacing keys
- Single Vehicle rollover unless Additional
Protection Coverage has been purchased;
- Any damage caused to the vehicle due to the use of snow chains; and
- Contamination
$7500, debited 2% Mastercard and Visa fee, 4,5% for Amex, no credit card fee on the bond
Budget Campers NZ $1800 - $2500 $18-$21 $0 Vehicle damage, incl windscreen and tyres yes yes - Water related damage
- Breaching the terms of Rental Contract or negligence/ willful misconduct
- Contamination
- Recovery & towing costs
- Replacing keys
- Overhead/underbody
- Vehicle is driven on restricted roads
- Beach driving
- Cost to replace keys
- Incorrect use of fuel
$1800 - $2500, imprint 2% for Visa or MasterCard
Cheapa Campas $2700 - $5000 $28 - $37 $0 Vehicle damage yes no - Breaching the terms of Rental Contract or negligence/ willful misconduct
- Windscreen and tyres
- Water related damage
- Single vehicle roll over
- Underbody/Overhead

- Contamination
- Damage to Awning or the slide out
- Demurrage
$2700 -
$5000, debited
2% Mastercard and Visa fee, 4,5% for Amex. Credit card fees are applicable on the bond
Discover NZ $3000 $40 $0 Vehicle damage tyres only   - Does not provide coverage for hirer's personal property.
- Does not apply to reckless driving or driving under the influence of drugs/ alcohol.
$3000, debited  
Escape Rentals $3000- $4000 $27 - $35 $300 Vehicle damage, incl windscreen and flat tyres, first vehicle accident yes yes

Breaching the terms of Rental Contract or negligence/ willful misconduct   

$3000- $4000, imprint 2% Mastercard and Visa fee if not taken insurance
Freedom Campers NZ $2500 - $3400 $23 - $29 $0 Vehicle damage, incl windscreen and tyres yes yes - Water related damage
- Breaching the terms of Rental Contract or negligence/ willful misconduct
- Contamination

- Recovery & towing costs
- Replacing keys
- Overhead/underbody
$2500 - $3400, imprint 2% Mastercard and Visa fee
Happy Campers $2000 - $4000 $27 - $55 $0 Vehicle damage, incl multiple windscreens and tyres yes yes Full liability for vehicle or third party property if:
- Breaching the terms of Rental Contract or negligence/ willful misconduct
- Water related damage
- Damage is caused to the vehicle by the use of snow chains
- Single vehicle roll over
- Contamination
- Towing/ retrieval costs
$2000 - $4000, imprint 3,5% on Amex
Hippie Campers $2500 - $3500 $20-$30 $100 Vehicle damage no no - Breaching the terms of Rental Contract or negligence
- Water related damage
- Single vehicle roll over
- Awning

- Overhead/underbody
- Tyres/Windscreen
- Demurrage
$2500 - $3500, debited 2% Mastercard and Visa fee, 4,5% for Amex, Credit card fees are applicable on the bond
Jucy $3000 -$5000 $25 - $55 $0 All damage to third party property, damage to the rented vehicle including tyres, towing and recovery costs, theft, fire, break-in or vandalism, underbody yes yes - Replacing keys
- Driving while the vehicle’s engine is overheated
- Inventory

- Roof
- Windscreen/ chips
- Singe vehicle rollover
$3000 - $5000, imprint 2% Mastercard and Visa fee, 4,5% for Amex
Kea NIL Included in the daily rate $0 Vehicle damage, windscreen and tyres, underbody and overhead, single vehicle rollover yes yes - Breaching the terms of Rental Contract or negligence
- Replacing keys
- Any damage caused to the vehicle due to the use of snow chains; and
- Contamination
NIL 2% Mastercard and Visa fee, 4,5% for Amex. No credit card fee on the bond
Kiwi Campers $2000-$4000 $27.5 - $55 $0 Vehicle damage, incl multiple windscreens and tyres yes yes Full liability for vehicle or third party property if:
- Breaching the terms of Rental Contract or negligence/ willful misconduct
- Water related damage
- Damage is caused to the vehicle by the use of snow chains
- Single vehicle roll over
- Contamination
- Towing/ retrieval costs
$2000 - $4000, imprint 3,5% on Amex
Lucky Rentals $2500 $25 $0 Vehicle damage, 1 windscreen and multiple tyres replacement yes yes

- Breaching the terms of Rental Contract or negligence/ willful misconduct
- Contamination
- Driving on beach or sand
- Recovery & towing costs
- Single vehicle rollover

- Driving while warning light appears on the dashboard, overheating or after a mechanical breakdown

$2500, imprint 2% Mastercard and Visa fee, 5% for Amex
Maui $7500 $65 $0

Damage includes any and all damage to
Third Party property, damage to the rented
vehicle including windscreens, tyres, towing and
recovery costs, theft, fire, break in or vandalismd

- over head/underbody

yes yes - Breaching the terms of Rental Contract or negligence
- Replacing keys

- Single Vehicle rollover unless Additional
Protection Coverage has been purchased;
- Any damage caused to the vehicle due to the use of snow chains; and
- Contamination
$7500, debited 2% Mastercard and Visa fee, 4,5% for Amex. No credit card fee on the bond 
Mighty Campervans $3500- $5000 $39 $0

Damage includes any and all damage to Third
Party property, damage to the rented Vehicle
including windscreens, tyres, towing and recovery
costs, theft, fire, break in or vandalism

- Overhead/Underbody

yes yes Breaching the terms of Rental Contract or negligence
- Replacing keys
- Single Vehicle rollover unless Additional
Protection Coverage has been purchased;
- Any damage caused to the vehicle due to the use of snow chains; and
- Contamination
$3500- $5000, debited 2% Mastercard and Visa fee, 4,5% for Amex. No credit card fee on the bond
Spaceships NZ $3000 $30 $0 Vehicle damage, incl 1 windscreen and 2 tyres, underbody and overhead of the vehicle, single vehicle accidents, 1 single vehicle rollover yes yes - Water related damage
- Breaching the terms of Rental Contract or negligence
- Inventory unless caused by a motor accident
- Replacing keys
- Damage to vehicle due to the use of snow chains
- Incorrect use of fuel
$3000, debited Visa and MasterCard, 2.2%, 5,5% Amex, Diners, no credit card fee on the bond 
TUI Campers $4000 - $5000 $28 - $35 $0 Vehicle damage, incl windscreen and tyres  yes yes

- Water related damage
Breaching the terms of Rental Contract or negligence/ willful misconduct 
- Contamination
- Recovery & towing costs
- Replacing keys
- Overhead/underbody
- Vehicle is driven on restricted roads
- Beach driving

- Cost to replace keys
- Incorrect use of fuel 

$4000 - $5000, imprint 2% Mastercard and Visa fee, 
United Campervans $5000 $31.5 -$45 $250 Vehicle damage and third party property, repair and replacement of damaged windscreen, underbody and overhead of the vehicle,single vehicle accident and vehicle rollover yes yes

- Breaching the terms of Rental Contract or negligence
- Water related damage
- Driving on restricted roads
- The hirer has repairs made to the vehicle without the insurer's permission.
- The hirer admits and accept responsibility for third party damage

$5000, debited 2% for credit card fees, credit card fees are refundable on the bond for Visa and MasterCard 
Walkabout Wagons $2000 - $2500 $20 n/a Vehicle damage incl. 1 front windscreen and flat tyres yes, limited n/a n/a $2000, debited n/a
Wicked Campers $3000 $25 $1, $100 for NZ/AU citizens

Vehicle damage (only own vehicle), incl. 1 front windscreen and 2 tyres 

yes, limited   

- Damage caused by speeding or driving while intoxicated
- Driving Highways or any rural areas between the hours of 5pm and 8am
- Falling asleep at the wheel or fatigue
- Single-vehicle incident and/or single-vehicle rollover
- Damage caused while reversing vehicles
- Stationary Incidents: Any damage incurred while the vehicle is stationary is
not insured, unless there is another vehicle involved that has been identified
and reported to the police. The hirer has a duty to park the vehicle in safe areas when not in use.

- Hitting animals
- Night time driving ("
Any incidents that occur AFTER SUNSET and BEFORE SUNRISE outside of major cities and towns will not be insured")
- Roof and underbody damage
- Windows (windscreen is insured by the premium excess reduction option but not side or rear windows)
- Theft, fire or break in
- Water damage (of any type)

 

$3000, debited 4% Admin & Contract fee. AMEX not accepted