Rental Car Excess Insurance

RACV members save 15% on travel insurance.

Tokio Marine & Nichido Fire Insurance Co Ltd is the issuer of the above travel insurance. View the 'RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies.

Find out more about RACV domestic travel insurance

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 Insurance Excess

Chosen Cover

If you hire a car and it is involved in an accident or stolen while in your control, we 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

RACV Total Travel Care


RACV Extra Travel Care


RACV Travel Care

Not available

Annual Multi-Trip Plan


Domestic Plans

RACV Domestic


RACV Car Excess only

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

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 RACV Total Travel Care, Extra Travel Care, Annual Multi Trip and Domestic plans. For cover in Australia only, you can also purchase a Rental Car Excess only 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 Combined Financial Services Guide and 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.

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Important things to note

Any financial advice provided by RACV which is set out above is general in nature only and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the 'RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) and consider it before making a decision about whether to acquire RACV Travel Insurance.

Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).