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Rental car excess insurance

Help protect yourself against high excess costs with an RACV Rental Car Excess plan

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Greater peace of mind on your next Aussie road trip

Driving a hire car can feel unfamiliar. And if something goes wrong – like the car gets damaged or stolen – you could be hit with a hefty excess.#

An RACV Rental Car Excess plan helps cover that cost. You choose the cover amount – with options from $1,000 up to $8,000 per policy## – and you can be reimbursed up to that amount if you need to make a claim.#

Explore the benefits of an RACV Rental Car Excess plan

Cover for theft and accidents

Your Australian rental car is covered for the cost of repairs or the excess payable, whichever is less.#

Emergency support 24/7

Get overseas emergency assistance 24 hours a day.

RACV Members save 15% year-round

Already a Member? You’ll save 15% on all travel insurance policies year-round.*

Need a bit more cover? Compare policies

To get a rental car excess insurance quote, put ‘Australia’ as the country you’re travelling to. On the next page, select ‘Rental Car Excess’ as your cover.

This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

Domestic rental car excess

RACV Members save
15%
year-round*

Domestic travel insurance plan

RACV Members save
15%
year-round*

Eligibility

To be eligible for rental car excess cover, you’ll need to: 

  • buy the domestic Rental Car Excess policy, or take out another policy that includes rental car excess as a benefit;
  • have a hire car from a motor vehicle rental company for the carriage of passengers;
  • hold a current Australian driver licence (not including a learner permit); and
  • be the listed driver on the rental vehicle agreement.

This cover does not replace rental vehicle insurance and will only cover excess up to the limit stated on your policy.

# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.

## These limits are per policy. 

* RACV Member discount applies to the premium only (not applicable taxes).

⋄ Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details inclusions, exclusions and applicable limits.

Get organised before your trip

Travel alerts

RACV Travel Insurance won't cover you for destinations with a "Do Not Travel" status.

Check travel status before you plan and start your trip.

Inspiration for your next Aussie adventure

Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.

Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.

Choose your cover for your Aussie road trip