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Rental Vehicle Excess cover

Excess cover in the event your hire car is damaged or stolen1

What is Allianz Rental Vehicle Excess cover?

Our Rental Vehicle Excess cover is designed to provide cover towards the excess you’re liable to pay if your hire vehicle is damaged or stolen1. It’s included as a standard benefit in all Allianz Comprehensive, Multi-Trip and Domestic Travel Insurance plans.

Allianz Rental Vehicle Excess cover is an alternative to excess reduction products sold by car rental companies. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

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What does it cover?

Rental Vehicle Excess cover1 is included as a standard benefit in all Allianz Comprehensive, Multi-Trip and Domestic Travel Insurance plans policies at no added cost.

This is a limited summary of some of our Rental Vehicle Excess covers only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

  • Excess payment
    If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit)1:
  • the amount specified that you’re liable to pay under the rental vehicle agreement, or
  • the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

  • you hire a rental vehicle from a rental company or agency;
  • you’re a nominated driver on the rental vehicle agreement; and
  • the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 
  • More than just cars
    Rental vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four-wheel drive or minibus/people mover, rented from a licensed rental company or agency. Rental vehicle doesn’t include any vehicle other than those listed, irrespective of use or weight.
  • All licensed rental companies
    Your policy covers the excess (up to your benefit limit)1 charged by any licensed motor vehicle rental company. This includes all the major car hire brands such as Avis, Budget, Enterprise, Europcar, Hertz and Thrifty.

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Frequently asked questions

If you buy an Allianz Travel Insurance policy and select a plan that includes the Rental Vehicle Excess benefit, you can claim in the event you’re required to pay an excess, deductible or damage liability fee to a car rental company if your rental car is accidentally damaged or stolen.

Your policy is designed to cover the excess, deductible or damage liability fee charged by any licensed motor vehicle rental company, up to the benefit limit stated in the Benefits Table in the PDS, including all the major car hire brands. Refer to the Product Disclosure Statement (PDS) for details.

Allianz Comprehensive, Multi-Trip, Domestic and Non-Medical Travel Insurance policies provide a benefit for Rental Vehicle Excess cover as an alternative to paying the car rental company’s increased fees to lower the excess.

You’ll need to assess your requirements and financial situation before buying a policy.

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*Conditions apply

  1. Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to Rental Vehicle Excess in the Product Disclosure Statement (PDS) for full details.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.


Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.