Australia Car Hire Excess Insurance
If you get into an accident while driving a hire car in Australia and suffer damage to or the loss of your hire vehicle due to theft, you’ll be liable to pay an excess amount to the hire company’s insurer to repair the damage.
When that happens, Australia Car Hire Excess Insurance reimburses you the cost of excess charges when you make a claim on a rented vehicle. It can be purchased as early as 364 days in advance, right up until before you collect your car and will cover the excess on your hire car, worldwide, for a year.
Our Australia Car Hire Excess Insurance policies are available for EU residents only.
What is included in Australia Car Hire Excess Insurance?
- Excess on claims — Cover against excess costs of up to €6,500 in total, per year if your hire car is damaged or stolen.
- Drivers between 21 and 84 — Cover for a wide age range of insured drivers from 21 and 84.
- Additional drivers — Cover for up to five additional drivers, as long as they’re named in your rental agreement. There’s no need to add them to your hire excess policy.
- 120-day rental periods — Covers trips for up to 120 consecutive days.
- 12-month multi-trip policies – Cover for multiple trips made in a year, at a fixed cost (provided no single trip exceeds 120 days). Car club cover is also included within our annual multi-trip policies.
- Misfuelling and key cover — Cover for each, up to €500 per claim.
- Flat battery cover — Cover for up to €1,000 per claim.
- Fire, theft, and vandalism cover — Covers excess costs for claims resulting from damage by fire, theft, and malicious damage.
- Tyres and windscreen cover — Covers the excess on claims for the repair or replacements of your tyres and windscreen. This also includes damage to windows, headlights, undercarriage, and roof.
- Cover for baggage and personal effects — Cover for claims relating to personal effects (like clothing) and luggage stolen from your hire car.
What is not included in Australia Car Hire Excess Insurance?
- Courtesy car excess cover for any vehicle that’s loaned to you if your rental car is being repaired.
- Car rentals where the Australia Car Hire Excess Insurance policyholder doesn’t match the name of the lead driver on the rental agreement.
- Policies purchased after the collection of your rental vehicle.
- Cover for off-road driving.
- Commercial vehicles, motorbikes, camper vans, mobile homes, vans, or any vehicle with more than nine seats.
- Cover for policyholders that are not EU residents.
- Collision Damage Waiver (CDW) or Supplemental Liability Insurance (SLI).
Why choose insurance4carhire?
There are plenty of reasons to choose us for Car Hire Excess Insurance:
- A high level of cover — Cover excess up to the value of €6,500 in total per year.
- Additional drivers — Cover for up to five additional drivers named on your rental agreement.
- Flexible rental periods — Choose your level of cover from single trip for up to 120 consecutive days, or annual multi-trip for individual trips up to 120 days at a time for up to 12 months.
- Multiple benefits included as standard — Includes cover for misfuelling, car keys, flat batteries, and even late pick-up charges due to delayed flights.
Australia Car Hire Excess Insurance FAQs
Is driving different in Australia than in the EU?
While most EU countries drive on the right, Australia is more like the UK in that cars drive on the left. That means hire cars you’ll get over there will be right-hand drive.
If you’re used to driving in the UK or the Republic of Ireland, chances are you won’t have many problems driving in Australia. But like anywhere, there are differences to note in terms of speed limits and road signs. We've prepared a simple guide to driving in Australia.
What is the difference between single-trip and annual Australia Car Hire Excess Insurance?
Single-trip Car Hire Excess Insurance policies provide excess cover for one single trip of up to 120 consecutive days. This option is ideal if you’re going to rent a car for a one-time journey.
An annual multi-trip policy covers your excess for multiple trips for a year, at a fixed cost (provided no single trip exceeds 120 days). This is the most cost-effective option if you frequently hire cars for travel or commuting. Our annual multi-trip policies also provide cover for cars hired from car clubs and rental companies.
If I’m a named driver on a hire car but not the lead (primary) driver, is my excess still covered?
Yes. Our Australia Car Hire Excess Insurance extends to the person named as the lead driver and up to five named drivers on the car rental agreement.
Is Collision Damage Waiver (CDW) cover included in my Australia Car Hire Excess Insurance policy?
Our Australia Car Hire Excess Insurance policy does not include cover for CDW.
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Worldwide Car Hire Excess Insurance
With our Worldwide Car Hire Excess Insurance policy, we’ll cover your excess on cars hired around the world, including in the USA, Australia, Europe, and more.
USA & Canada Car Hire Excess Insurance
Planning a trip to the USA or Canada? Protect against excess charges with our USA & Canada Car Hire Excess Insurance.
European Car Hire Excess Insurance
Protect your finances from costly excess charges if you need to make a claim on a hire car in France, Germany, Spain, and more with our Europe Car Hire Excess Insurance.
Driving in Australia
If you’re used to driving in the UK – or any country that drives on the left – chances are you won’t have many problems driving in Australia.
Single Trip vs Annual Car Hire Insurance
Although there are differences in the levels of cover (more on that below), but the key difference is that with a single trip policy, you’ll have to take out a new policy every time you get a new car rental agreement.
A guide to car hire costs
We like to think our car excess insurance is nice and straightforward. Your car rental agreement however, might not be so easy to understand. With this in mind, we’ve put together a guide to car hire costs.