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发表于 2011-12-17 23:58:41
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http://www.carhireinsider.com.au/car-hire-insurance/#campervan
Car Hire Insurance: Smarter Alternatives
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UPDATE: Car hire excess insurance is an expensive business but we’ll tell you how to save big time. In fact, getting the right car rental protection could cut your costs by $100s.
We’ve revamped this page by popular demand to provide all the information you need to ensure you are well covered and also added a few recommendations for campervan hire insurance. Before you proceed, you may want to make sure you understand all the car hire insurance jargon and terminologies.
What you need to be aware of
High price of getting extra protection the conventional way (from car rental companies)
You have choices! Save big time with alternative car hire excess insurance providers
With an inclusive Travel Insurance policy
With a specialized Car Hire Excess Insurance policy
Campervan / Motorhome Excess Insurance
REMINDER: Always, always take the time to read through your policy’s Product Disclosure Statement, paying attention to exactly what is and isn’t included, under what circumstances any cover will and will not apply and the maximum combined payout per section/category as well as any limits per claim. Finally, acquaint yourself with the procedure and any reports required should you need to make a claim.
What you need to be aware ofTop ↑
Standard excess inclusion
All car hire throughout Australia comes with a basic level of insurance commonly known as Standard Liability or Collision Damage Waiver (CDW). That often still leaves you liable for up to about A$3,000 for any damages to the rental car (this excess amount varies with different companies so do always check)
Are you under 25
If you are between 21-24 years, standard liability excess levels tends to be higher (e.g. a standard liability excess of A$2,500 renters 25+ years could be A$3,000 for 21-24 years)
Standard exclusions
Single Vehicle Accidents (SVA) and Windscreen, Headlights and Tyres (WHT) cover are often excluded and has to be added on. In addition, insurance does not cover damages to the overhead, underbody, interior or roof of the car – for all these you’ll just have to keep your fingers crossed.
The high price of getting extra protection the conventional wayTop ↑
First, some indicative prices of taking out first-level/cheapest Excess Reduction i.e. reducing from A$3,000 to A$330 (not 0), and without WHT or SVA :
Avis, Budget, Europcar, Hertz, Thrifty: A$24-27 per day
Smaller local independent companies: A$12-16 per day
The independents tend to have fewer options available like not offering SVA, WHT or Full Protection.
A quick calculation and you’ll find taking out Excess Reduction protection on a 7-day car hire can blow up your final cost by a staggering A$80-200! But don’t take it and you leave yourself open to even more charges if you damage the car.
So how now brown cow? Well that depends on you. Evaluate what level of insurance you feel comfortable with. Naturally that decision will very well be influenced by the price of taking out additional car hire insurance and here are some great alternative ways to save big while being covered:
You have choices! Save big time with alternative car hire excess insuranceTop ↑
For Australians travelling domestically, inclusive travel insurance is the way to go. If you’re an Australian going overseas or an international traveller coming to Australia, take out a specific car hire excess insurance policy.
With an inclusive Travel Insurance policyTop ↑We’ve uncovered these travel insurance policies that include rental car excess coverage as one of its benefits. Our emphasis for selection is on the car rental excess cover and price but check how the other benefits suit you.
For Australians, the travel insurance providers we’ve recommended typically cover campervans, 4WDs and vans as well as standard rental cars. For the most part, no excess applies in the event of you make a claim on the car hire benefit. Their rates are usually staggered rather than continuous (e.g. price will stay at A$30 for 6-8 day policies), meaning different companies can offer value depending on your exact required duration so you’ll do well to compare a couple.
For Australians
Single trip Travel Insurance with Car Hire Excess Cover
Unless you are renting from Thrifty, Europcar or Hertz (all whom have current standard liabilities of A$3,300), a policy offering A$3,000 cover (most common) will suffice. But there are numerous levels of car hire excess coverage offered with travel insurance plans, ranging anywhere from A$1,000 up to A$6,000.
A$3,000 Cover
Columbus Direct has one of the lowest rates around estimated at A$31 for a one week policy and up to A$88 for a maximum of 60 consecutive days for Domestic cover. However Columbus only covers the excess in the event of accidental damages to the vehicle, not theft. For slightly more, Worldcare covers that at an estimated A$37 for a week up to A$173 for a maximum of 67 days. You should compare the two. For continuous rental over a month long, RACV is worth a check.
A$4,000 / A$5,000 Cover
As an indication, you can expect to pay about A$46-48 for a week, A$80-100 for a month. Budget Direct’s Platinum Plan (max. 62 days) and Travel Insurance Direct’s Plan D (available up to 6 months) both offer great rates with A$4,000 rental vehicle excess cover within Australia whether crashed, damaged or stolen. 1Cover insures up to A$5,000.
Annual/Multi trip Travel Insurance with Car Hire Excess Cover
The best value annual cover is from Cover More’s Travelsure option: A$105/year covers you for unlimited journeys per year with max. 30 days consecutive car hire each time. If you only need 15 consecutive days per hire, you can get it for a mere A$76/year. Great value! On top of that, their $4,000 rental vehicle benefit can be increased in A$500 increments by up to an extra A$3,500 for A$16-17 per increment .
However, if their other benefits don’t suit you, Zuji Australia offers Domestic cover for A$233/year inclusive of $3,000 rental vehicle excess cover. Columbus Direct’s A$290 affords you Worldwide coverage (excluding USA, Canada, China, Hong Kong & Japan) or A$320 for complete global cover. These rates come with A$3,000 rental car cover. For about $40 more, you can get the Premier plan which includes A$4,000.
For International visitors to Australia
For overseas visitors, we have not unearthed many travel insurance policies that include rental car cover. 1Cover is one that offers a A$2,500 excess cover. We recommend you continue reading below for taking out specific car hire excess insurance. If you know of good travel insurance deals, do share your find with us! |
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