Zero Excess Rental Cover

Excess Reduction

To be eligible for this coverage, you are required to have at least the most basic collision damage waiver (“CDW”, “LDW” or similar basic protection package) offered by the car rental company. Please read the rental terms carefully as CDW is not always included at the time of booking.

While CDW covers basic body damage, it has a high excess that you need to pay if there’s damage, even if you did not cause the damage.
If your estimated costs exceed $3,000 please notify us - before you pay the rental company - by visiting rentalcover.com/claim. In some cases we will handle the transaction with the rental company to ensure you are treated fairly by them.

You're covered up to 10,200.00 NZ$.

Your Coverage

You can cancel at any time up until pickup for a full refund.

All drivers on the rental agreement are covered.

You are covered up to 10,200.00 NZ$.

You are covered when you are charged for...

Damage to the rental vehicle's bodywork.
Theft or vandalism of the rental vehicle.
Damage to windscreens, mirrors, lights: Includes all external glass & lights.
Damage to wheels & tyres: Includes punctures, fittings, replacements, repairs.
Roof damage.
Damage to the underbody of the vehicle.
Key loss or replacement or lock out: Covers call out fees, replacement of lost, damaged or stolen car keys, key programming and key delivery. You must follow our partners guidelines.
Damages caused by natural disasters: Covers wind, fire, hail and other damages caused by natural weather events unless there’s been a breach of the rental agreement.
Damage to the rental vehicle’s interior: Includes upholstery/seating, bedding, toilets, showers, electrical outlets, bilge pumps, interior lighting, appliances and portable accessories.
Damage to canopies or awnings.

You are also covered for these costly fees...

Drop off/relocation of damaged vehicle: Includes drop off/relocation costs of your rental vehicle if there’s a breakdown.

If any fees from the rental company are unreasonable, we may refer the claim to the dispute process outlined in Special Conditions.

You are not covered where...

Where you breached a condition precedent of your plan with us, such conditions may include, but are not limited to, failing to purchase one of the rental company’s CDW coverage options.
Where you or another driver on the rental agreement breached any term of the rental agreement.
Where you or another driver on the rental agreement contravened driving rules or laws in any local jurisdiction where the rental vehicle was driven.
Where you have given misleading or fraudulent information. We reserve the right to recover any claims that have been paid based on any misrepresentation.
Where you have not provided documents that have been requested during the claims process.
Where the event for which you are making a claim occurred before the protection was purchased.
For transaction costs applied by your credit card including international card fees and losses from foreign exchange
Where you incurred costs resulting from misfueling your rental vehicle (i.e. using incorrect fuel) or mechanical failure that was caused by your driving conduct.
Where you did not notify police if required by the terms of your rental agreement. We recommend that you understand the local requirements for notifying authorities prior to picking up your vehicle.
Where you are liable for injuries to passengers, other drivers or any other party.
Where you are liable for damages to the property of passengers, other drivers or any other party.
The vehicle has been driven on an unsealed road, except for access roads to your accommodation venue.
Where the rental vehicle has been driven off-road.
Where your rental vehicle is being used for deliveries or similar commercial purposes.
Where your rental vehicle does not meet the definition of ‘rental vehicle’. This includes, but is not limited to, a truck/lorry, van, bus, racing car, street car, motorcycle, scooter, moped, or a vehicle that you’ve driven on an unsealed road (except where the unsealed road is an access road to your accommodation venue).
Where your rental vehicle requires a non-standard driver’s licence in your region/s of travel.
Where you have released the at fault driver or rental company from liability without our prior written consent or otherwise compromise our ability to recover the loss

Special Conditions

You agree that during the claims process you will provide documentation showing that your rental includes CDW coverage.

Subrogation

You agree that, if we pay your claim, then in addition to any common law and equitable rights of subrogation that we may have:

we assume all of your rights of recovery for loss and you permit us to bring legal or other action in your name to enforce those rights. If you are eligible for a future reimbursement by the rental company or another third party (for instance if you are deemed to have not been the driver who was "at fault"), then you agree that we are entitled to those proceeds.
you will provide all reasonable assistance to us to recover such amounts and/or settle claims (including the provision of documents and affidavit or witness statements or signing a settlement agreement).

“Disputed” charges from the rental company

If the rental company’s charges are inconsistent or unfair, as deemed by you or our claims team, we will outline a process for the recovery of the charges through your credit card issuer. This is a quick process with a high likelihood of success, however if you are unsuccessful in recovering these charges, we will then process your claim under the terms of this plan. Examples where we may invoke the dispute process include, but are not limited to, exaggerated repair estimates or costs, costs relating to interiors, mechanical failure, wear and tear and pre-existing damages, other damage that you are not responsible for and charges for third party damages for which you are not liable. We may not cover any payments you make to the rental company when there is insufficient evidence that the rental company has incurred the loss (i.e. the rental company claims against you without documentary proof that it has incurred loss and you pay that amount).

Coverage through other means

If you are covered by another product for the same benefits as those listed here, including but not limited to free credit card travel cover or personal auto insurance, you will be required to initially make a claim through the other product. We will process a claim for the outstanding amount after the alternate claim process is complete.

Currency calculations and fees that you pay to your credit card issuer

Claims are calculated based on the currency that was originally charged by our partner (this is the “currency of loss”). Our claims calculation does not include international card or other fees or foreign exchange conversions applied by your credit card issuer. Our claims process allows you to convert your approved claim amount from the original currency of loss to your preferred currency, using a retail exchange rate.

Cancellation by you

You can cancel at any time up until pick up for a refund.

General Conditions / Eligibility Requirements

All of the following conditions and/or eligibility requirements must be met for you to qualify for reimbursement:

Your name must be on the rental agreement and it must be signed. Other drivers that are on the rental agreement with you are also covered.
You must not have breached any terms of the rental agreement.
Coverage is limited to one vehicle per rental, for the duration of coverage, except if your rental vehicle has been replaced by our partner. Each time that you sign a new rental agreement you will need a new product.
You must take reasonable care to protect the rental vehicle and avoid damages.
You have purchased at least the most basic CDW coverage offered by the rental company.

Claims

Contact our partner. They manage claims on behalf of the vehicle owner. You are not required to submit claims.

Our partner may request photos or scans of any relevant documentation such as your driver’s licence or a police report.

We’ll settle claims by making a direct payment to the vehicle owner (via our partner).

Cancellation and refunds

The cancellation terms are outlined on your Certificate.

Compliance Statement

Data Protection & Privacy

We are committed to protect your personal information and we are committed to the principles of data security in the configuration of our services. With respect to European General Data Protection Regulation (GDPR), as a data controller, we collect and process information about you and we also receive personal information from your booking agent including your email address, name and phone number, risk details and other information which enables us to issue and modify policies and process claims, detect, investigate and prevent activities which may be illegal or could result in your plan being cancelled or treated as if it never existed and protect our legitimate interests. We may share that data from time to time with insurers or contractors investigators, crime prevention organisations who may be outside of the European Union. We will never share your data with external marketing services. Our Privacy Policy outlines how we process your data, the data that we collect and the processes to undertake should you either wish to request a copy of your data, or remove consent for us to retain your data.

You can access our Privacy Policy here.

By applying for, using or renewing any of our products or services, or providing us with your information, you agree to this information being collected, held, used and disclosed as set out in this plan.

Your Rights

This document contains important information to help you understand the features, benefits and risk of this insurance. Before you decide whether to purchase it, you need to read this document carefully. This document is a combined Product Disclosure Statement (PDS) and Financial Service Guide (FSG) as required under the Corporations Act 2001 (Cth). Information in the PDS may need to be updated from time to time. You can obtain a paper copy of any updated information without charge by emailing us.

We have waived your Duty of Disclosure.

Plan Issuer

This Plan is provided by XCover.com, a trading name of Cover Genius Singapore Pte. Ltd. Cover Genius Singapore Pte Ltd has secured insurance protection underwritten through Asservo Insurance Company which is authorised by the Cayman Islands Monetary Authority (CIMA) with respect to Cover Genius Pty Ltd’s liability for contractual indemnity products.

Jurisdiction and Law

This product shall be governed and construed and resolved within the jurisdiction of the courts in accordance with the law of New South Wales, Australia.

Policy Issuer

This policy is provided by RentalCover.com, a trading name of Cover Genius Pty Ltd. (ABN 43 159 983 598) who have arranged this insurance in its capacity under AFS Licence No 490058 under authority given by Assetinsure Pty Ltd (ABN 65 066 463 803) who is authorised by the Australian Prudential Regulation Authority (APRA) to conduct general insurance business.

Other important information

The premium on this product includes an amount for GST and if we pay a claim your GST status may determine the amount to be paid on the claim. You must advise us if You are registered, or required to be registered for GST purposes, and you must when requested tell us what your entitlement to Input Tax Credits (ITCs) is for your insurance premium.

In order to calculate the premium we take various factors into consideration, including the type of rental vehicle, the duration of the rental period, your age and the country of travel. Your premium also includes amounts payable in respect of compulsory government charges including Stamp Duty, Fire Services Levy (where applicable) and GST. When You apply for this cover you will be advised of the total amount payable.

Period of Cover

You are covered for the period as shown in your Certificate.

Complaints/Disputes

You can contact our Complaints Team ([email protected]) for a formal review of your claim or if you have other concerns.

We will respond within 5 days.

Definitions

Any word defined below will have the same meaning throughout:

Accident or collision: Accident or collision means a sudden, unexpected event caused by something external and visible, which results directly in loss or damage.
Bodywork: Bodywork means the metal frame of your rental vehicle.
Call out fee: Call out fee means a roadside assistance charge from a service provider to attend to a vehicle breakdown.
Certificate: Certificate means a validation certificate issued which describes who is covered under this product. This is provided along with your confirmation email or invoice.
Country of residence: Country of residence means your place of residence.
Currency of Loss: Currency of Loss means the currency that was originally charged by our partner for the damage charges.
Distribution Partner: Distribution Partner means contractually authorised distributor of our service.
Excess: Excess means the amount paid - or payable - by you to the rental our partner, if there’s accidental damage or theft.
“Not at fault”: “Not at fault” means that one of the drivers is not deemed responsible for damages after an investigation between the insurers of each driver.
Natural weather event: Natural weather event means an event caused by natural forces, including but not limited to fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm that was impossible to predict at the time you acquired this product.
Partner: Partner means a duly authorised partner that arranged your rental vehicle.
Policy: Policy means this reimbursement product that reimburses the charges as outlined in the benefits table.
Rental agreement: Rental agreement means the contract provided by a rental company in respect to the provision of a rental vehicle that contains your signature confirming you agree to its terms.
Rental vehicle: Rental vehicle means the private passenger automobile rented from an authorised rental company - including mechanic loan cars and accident replacement cars - at the time the rental contract is signed, including online "share" or "peer to peer" websites, loan cars from a licensed mechanic or accident replacement vehicles.
RentalCover.com: RentalCover.com, the website which distributes the product and provides the claims administration system.
Tax: Tax means a government tax that is payable by you in addition to the cost of the product.
Theft: Theft means a rental vehicle that has been stolen, to either a known or unknown location, without your permission.
Vandalism: Vandalism means a rental vehicle that has been damaged intentionally by you or someone known or unknown to you.
You/your: You/your means the person named on the reimbursement product summary page and any other person who drives the same rental vehicle and is listed on the same rental agreement.
We/us/our: We/us/our means Cover Genius Singapore Pte.