At the very least it will give you third-party coverage paying for any damage you cause to another persons vehicle or property.

Does travel insurance cover car hire. Credit card rental car insurance often excludes coverage for liability or personal injury to you or others. However the renter is responsible for paying an excess aka deductible or damage liability fee that can be as high as 8500 AUD. When you hire a car it usually comes with its own form of insurance called a loss damage waiver or the collision damage waiver.

Check out the full list of benefits for these policies below. Sub-limits may also apply. There may be additional fees from the rental car company for the loss of use of their vehicle that your credit card wont cover.

Our car rental insurance product is called Rental Car Damage Protector and provides primary coverage for covered collision loss and damage up to 75000 along with 24-hour emergency assistance. Buying and using a car hire excess reimbursement policy couldnt be easier. Travel insurance will indirectly cover you for the costs involved if theres damage or loss to your rental car.

Your existing policy and personal health insurance may provide coverage comparable to what the rental company is offering. You could have varying degrees of rental car insurance coverage from your personal car insurance policy your travel credit card your cashback credit card and even your home or tenants insurance. This is a brief summary of cover only and does not include full terms conditions and exclusions.

To get this coverage you need to use the credit card to reserve and pay for the rental vehicle. It transfers the responsibility for the cost of the damage from you to the auto rental company. If your rental vehicle is damaged or stolen and youre charged an excess by the rental company simply pay the excess and then submit a claim online within 60 days.

However when you hire a vehicle the rental company will generally add in some sort of car insurance policy. There are exclusions so check the fine print. Buy a rental car insurance policy.