Australia Car Hire Excess Insurance

What does this policy cover?

What's included

Below is a summary of the key features and benefits of our car hire excess policy.

For full details, please see the policy wording.

The excess on damage and theft up to a maximum of £6,500 cover in total, per year
Drivers aged between 21 and 85 inclusive
Cover for up to seven additional drivers (so long as they’re named in your rental agreement) There is no need to add them to your insurance4carhire policy.
Rental periods of up to 60 consecutive days
Misfuelling and car key cover – each up to £500 per claim (max. £2,000 per year)
Flat battery cover up to £1,000 per year
Late pick-up charges due to unscheduled flight delays
Cover for your courtesy car (the vehicle loaned to you while your rental car is being repaired, or if your own car is in the garage and you’re given a courtesy car).

What's not included

Below are some of the key exclusions you need to be aware of.

Full details can be found in the policy wording.

Car rentals in which the insurance4carhire policy holder is not 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
Collision Damage Waiver (CDW) or Supplemental Liability Insurance (SLI). Most rental policies include this, but some (notably in the US) do not. If you need CDW and SLI cover, visit our Annual Worldwide Plus CDW & SLI page
Cover for policy holders that are not residents of the UK or Isle of Man

Show policy document

Watch our animation on why you should take our car hire excess insurance:

Australia Car Hire Excess Insurance FAQs

This policy is our Annual Worldwide policy. It's a multi-trip policy offering worldwide car hire excess cover for residents of the UK and the Isle of Man. Note that this excludes driving in: Cuba, Iran, North Korea, the region of Crimea, Sudan and Syria.

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. 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.

Car rental companies often include a high excess if you need to make a claim. Car hire excess insurance will enable you to get reimbursed for this excess (up to the policy limits) if you need to make a claim.

If the lead driver is an insurance4carhire policy holder, you will be covered. If the lead driver is not a policy holder, you will not be covered, even if you yourself are a policy holder. To be covered by insurance4carhire, the lead driver must always be a policy holder.

This policy is purely for car hire excess insurance, which means that Collision Damage Waiver (CDW) is not included. CDW is a separate type of cover which is often included as standard when you rent a car. However, in some countries (such as the US and Canada) it is common for CDW not to be covered as standard. If you require CDW cover, please visit our Annual Worldwide Plus CDW & SLI page.

A 'Joint' policy, formerly known as a 'Family and Partners' policy, is an add-on available with the Annual Worldwide and Annual Europe car hire excess policies which gives lead driver status to two people. It is essentially no different to a discount for buying two policies for two people living at the same address*. You will be given the option to select this cover during the quote and buy journey.

*The two Joint policy policyholders must be related in one of the following ways: by marriage, civil partnership, engagement, parent-child, child-in-law, parent-in-law, sibling, sibling-in-law.

Protect yourself with the UK’s most popular car hire excess insurance provider (by online traffic share 2019).

Coronavirus (Covid-19) – Update for insurance4carhire customers

While the scale and impact of the current coronavirus (Covid-19) outbreak remains unknown, insurance4carhire, part of The Ardonagh Group, has been working for some time to prepare for all potential outcomes for our business. We have a range of plans in place across The Ardonagh Group to serve the needs of our clients without interruption, while protecting the health and safety of our colleagues and other stakeholders.