If you hire a car and happen to have an accident or it's stolen, cover is included for the excess on your Rental Car insurance policy, or the cost of repairs under the excess, whichever is the lesser.



Policy benefits

Rental car excess (per policy)


Rental Car Excess #

Chosen Cover

If you hire a car and it is involved in an accident or stolen while in your control, RACV Rental Car Excess Insurance will provide an option to cover the excess payable in the event of a claim, or the cost of repairs under the excess, whichever is the lesser, up to the maximum benefit in the table below. 

International Plans

Maximum benefit


$8,000 #


$4,000 #


Not available

Annual Multi-Trip Plan

$8,000 #

Domestic Plans

RACV Domestic

$5,000 #

RACV Car Excess

Amount chosen (between $1,000 - $8,000, rising in $1,000 increments)

# Limits and sub-limits apply refer to the Product Disclosure Statement.


To receive this benefit, you must have taken out comprehensive insurance with an applicable excess, have hired the car from a recognised rental car company and hold a valid driver's licence for the country you are in (even if the country doesn't require you to have a licence). This cover does not replace Rental Vehicle Insurance and only provides cover for the excess component up to the applicable benefit limit stated on your policy. Cover is provided for drivers accepted and noted on the rental agreement only.

Rental Car Excess is included in Comprehensive, Essential, RACV Annual Multi-Trip and RACV Domestic policies. Or you can purchase an RACV Rental Car Excess Plan and nominate an excess amount as your chosen level of cover between $1,000-$8,000 (rising in $1,000 increments).

If your doctor or dentist certifies that you are unfit to drive, this cover also provides a benefit of up to $500 of the costs of returning your rental vehicle to the rental company's nearest depot, provided this does not cause you to exceed the maximum benefit shown above.

Please read the RACV Travel Insurance Product Disclosure Statement carefully to understand what this policy covers. Importantly, please note that terms and conditions, exclusions, limits and sub-limits of the policy apply to your benefits.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.