Motorhome & Campervan Rental Insurance

You may also wish to view our pages for car hire excess information and 4x4 excess information.

Excess Coverage For Motorhomes & Campervans

When you rent a campervan or motorhome you will be offered several insurance alternatives. RentalCover.com provides an independent product called "excess coverage" which provides coverage on any excess payments that you make to the supplier for vehicle damage. If you take out a policy from RentalCover.com you do not need the supplier's excess reduction or other insurance products.

All the policies on RentalCover.com have been vetted by our insurance team to ensure that common events typically excluded by the rental companies are all insured. The following are all inclusions (i.e. claimable) with RentalCover.com policies but are generally excluded by the rental companies. For a full review of each motorhome and campervan company see the table below.

Windscreen, tyres, underbody, roof, awning and water damage are all insured by RentalCover.com.
Rollovers, single vehicle accidents, hitting animals and driving at night are all insured.
Demurrage (the lost revenue when a vehicle is off the road for repairs) is insured.
The products are tailored to the needs of the specific market. For example, kangaroos are a hazard for Australian drivers. Policies on RentalCover.com specifically provide coverage for damages caused by animals. Many policies issued from the UK for Australian rentals do not know the local conditions and will seek to exclude damages based on their fine print.

Excess Reduction Overview - Campers & Motorhomes Within Australia

The following table reviews the excess reduction alternatives from the major campervan suppliers in Australia:

Supplier	Standard Liability/Excess i.e. max. excess payable for damages	Price Per Day Daily price of premium/best excess reduction option	Premium Excess Reduction Premium/Best option reduces your excess to this amount	Inclusions	Windscreens/Tyres Included?	Demurrage Included? Demurrage is the loss of rental income while vehicle is being repaired	Other Exclusions Note: The following are either considered breaches of the supplier's excess reduction policy terms, or breaches of the rental terms. Repair costs will typically be charged at the full rate (i.e. repair cost may exceed the standard excess)	Bond Amount & Type Bonds are paid if you do not take excess reduction. Debit bonds are deducted from credit card (usually with card fees) & refunded if there's no damage. Imprint bonds are not debited.	Credit Card Fees Apply to all transactions incl. debit bonds
Around Australia (AA)	$6000	$25-$45	$450	- 1 windscreen & 2 tyres -Roll overs	yes, limited	yes	- Water related damage - Inventory damage - Damage to the air-conditioning unit - Awning - Recovery costs -Overhead & underbody The damage liability fee applies to each incident, not per rental.	$6000, debited	none
All Seasons	$2500-$3000	$25	$0 - $500	- 1 front windscreen & 1 tyre	yes, limited	no	- Towing vehicle to a different town - Loss of keys - Water related damage - Roll overs - Overhead & underbody - Failure of maintaining fluid levels, checking engine oil, radiator water and battery levels every day. driving with no fan belt, or radiator cap. low fluid levels, in a dangerous manner.	$2500-$3000, debited	n/a
Apollo	$5,000 - $7,500	$65	$250	- 1 windscreen & 2 tyres	yes, limited	yes	- Part or total water submersion - Single vehicle roll over - Contamination - Damage to awning, slide out - Roof and Underbody (starting from 1 April 2015, Apollo's insurance policies will not provide coverage on any damages to awning, overhead and underbody of the vehicle)	$5,000 - $7,500, debited	2% Mastercard and Visa fee, 4,5% for Amex
Awesome Campers	$3000	$30	$0	The Vehicle is insured for third party vehicle and property damage, tyres, front winscreen only	yes	yes	- Roof - Tent - Windows - Underbody - Single vehicle roll over - Replacing keys	$3000, imprint	2,5% Mastercard and Visa fee
Bargain Car Rentals	$2000	$27-$39	$0	- Damage to any internal fixture and fittings of the vehicle; - Towing or retrieval costs - Windscreen - Tyres	yes	yes	- Overhead and under carriage damage - All towing or retrieval costs - Damage to any internal fitting	$2000, debited	1,75% Eftpos Surcharge
Boomerang Campervans	$1000 - $1500	$20-$25	$250	- Windscreen & tyres	yes	yes	- Underbody & roof damage - Towing costs - Loss of keys - Water related damage - Failure of maintaining fluid levels, checking engine oil, radiator water and battery levels every day.	$1000 - $1500, debited	2% Visa/ Mastercard
Britz	$7500	$65-$75	$250 - $500	- Vehicle damage, overhead and underbody - Windscreen & tyres	yes	yes	- Recovery & towing costs - Replacing keys - Overhead/ underbody or single vehicle rollover damage to the 4WD vehicle – except where 4WD Easy Cover Plus has been purchased. - Single Vehicle rollover unless additional protection coverage has been purchased - Any damage caused to the vehicle due to the use of snow chains.	$7500, debited	2% Mastercard and Visa fee, 4,5% for Amex, refundable
Camperman	$500	-	$500	Vehicle body damage & third party damage	no	no	- Water related damage - Windscreen & tyres unless additional protection coverage has been purchased - Inventory - Underbody & roof - Vehicle roll over - Towing and recovery charges	$500, debited	2% Mastercard and Visa fee, 4,5% for Amex, refundable
Cheapa	$2700-$5000	$28 - $37	$0	Vehicle damage	yes	no	- Windscreen and tyres - Underbody & roof damage - Water related damage - Single vehicle roll over. - Contamination - Awning and slide out damage - Demurrage	$2700-$5000, debited	2% Mastercard and Visa fee, 4,5% for Amex
Cruisin	$5000	$48	$300	Vehicle damage	no	yes	- Water related damage - Windscreen & tyres unless additional protection coverage has been purchased - Single vehicle roll over - Contamination - Awning - Underbody & roof damage	$5000, debited	2% Mastercard and Visa fee
Hippie Campers	$2500	$20-$30	$100	Vehicle damage	no	no	- Underbody & roof damage - Windscreen & tyres - Water related damage - Single vehicle roll over. - Awning - Demurrage	$2500, debited	2% Mastercard and Visa fee, 4,5% for Amex
Jucy	$3000	$30	$0	All damage to third party property, damage to the rented vehicle including tyres, towing and recovery costs, theft, fire, break-in or vandalism, underbody	yes	yes	- Replacing keys - Driving while the vehicle’s engine is overheated - Inventory - Roof - Windscreen/ chips - Singe vehicle rollover	$3000, imprint	2% Mastercard and Visa fee, 4,5% for Amex
Kea	NIL	Included in daily rate	$0	Vehicle damage, windscreen and tyres, underbody and overhead, single vehicle rollover	yes	yes	- Breaching the terms of Rental Contract or negligence - Replacing keys - Damage caused to the vehicle due to the use of snow chains. - Contamination	NIL	2% Mastercard and Visa fee, 4,5% for Amex, refundable
Lucky Rentals	$2500	$25	$0	Vehicle damage	yes, limited	yes	- Contamination - Driving on a beach or sand - Recovery & towing costs - Single vehicle rollover - Underbody & roof damage - Driving while warning light appears on the dashboard, overheating or after a mechanical breakdown	$2500, imprint	2% Mastercard and Visa fee, 5% for Amex
Maui	$7500	$65	$0	- Damage includes any and all damage to Third Party property, damage to the rented vehicle including windscreens, tyres, towing and recovery costs, theft, fire, break in or vandalism - Overhead /underbody	yes	yes	- Replacing keys - Single Vehicle rollover unless Additional Protection Coverage has been purchased - Any damage caused to the vehicle due to the use of snow chains - Contamination	$7500, debited	2% Mastercard and Visa fee, 4,5% for Amex, refundable
Mighty Campervans	$3500- $5000	$39	$0	- Damage includes any and all damage to Third Party property, damage to the rented vehicle including windscreens, tyres, towing and recovery costs, theft, fire, break in or vandalism - Overhead / underbody	yes	yes	- Breaching the terms of Rental Contract or negligence - Replacing keys - Single Vehicle rollover unless Additional Protection Coverage has been purchased; - Any damage caused to the vehicle due to the use of snow chains; and - Contamination	$3500- $5000, debited	2% Mastercard and Visa fee, 4,5% for Amex, refundable
Spaceships	$3000	$30	$0	Vehicle damage, overhead / under body damage, tyres and windscreen, single vehicle accident	yes	yes	- Water related damage - Single vehicle rollover - Inventory unless caused by a motor accident	$3000, debited	2,2% Mastercard and Visa fee, 5% for Amex, Diners
Travellers Auto Barn	$2500	$25	$0	- Vehicle damage - windscreen and tyres	yes, limited	yes	- Water related damage - Contamination - Damage to awning - Overhead & roof damage - Single vehicle rollover and write off - Damage caused by hitting an animal whilst driving before dawn or after dusk outside of any city limits - Replacement of lost keys	$2500, imprint	2,2% Visa/ Mastercard, 5% Amex
Wicked Campers	$3000 - $5000	$25 - $40	$1 for international residents /$100 for NZ/AU residents.	Vehicle damage (only own vehicle), incl. 1 front windscreen and 2 tyres	yes, limited	yes	Damages caused by the following are not insured by any liability option. Liability for damages can be up to the full vehicle value. - Damage caused by speeding, intoxication - Driving on highways or any rural areas between the hours of 5pm and 8am - Falling asleep at the wheel or fatigue - Single-vehicle incident and/or single-vehicle rollover - Incidents involving animals - Damage caused by reversing vehicles - Roof/Underbody damage - Repairs caused by theft, fire and break-in - Stationary Incidents: Any damage incurred while the vehicle is stationary is not insured, unless there is another vehicle involved that has been identiﬁed and reported to the police. The hirer has a duty to park the vehicle in safe areas when not in use.	$3000- $5000, debited	4% Admin & Contract fee. AMEX not accepted

Excess Reduction Overview - Campers & Motorhomes Within New Zealand

The following table reviews the excess reduction alternatives from the major campervan suppliers in New Zealand:

Supplier	Standard Liability/Excess i.e. max. excess payable for damages	Price Per Day Daily price of premium/best excess reduction option	Premium Excess Reduction Premium/Best option reduces your excess to this amount	Inclusions	Windscreens/Tyres Included?	Demurrage Included? Demurrage is the loss of rental income while vehicle is being repaired	Other Exclusions	Bond Amount & Type Bonds are paid if you do not take excess reduction. Debit bonds are deducted from credit card (with card fees) & refunded if there's no damage. Imprint bonds are not debited.	Credit Card Fees Apply to all transactions incl. debit bonds
Alpha Campervans	$5000	$31.5 - $45	$0	Vehicle damage, third party damage, single vehicle accident, vehicle rollover, underbody and overhead of the vehicle, windscreen and tyres	yes	yes	- Breaching the terms of Rental Contract or negligence - Water related damage - Driving on restricted roads - The hirer has repairs made to the vehicle without the insurer's permission. - The hirer admits and accept responsibility for third party damage	$5000, debited	2% Mastercard and Visa fee, 4,5% for Amex
Apollo	$5,000 - $7,500	$45	$250	- 1 windscreen & 1 tyre	yes. limited	yes	- Breaching the terms of Rental Contract or negligence - Water related damage - Single vehicle roll over - Contamination - Damage to Awning or the slide out - Overhead/Underbody (starting from 1 April 2015, Apollo's insurance policies will not provide coverage on any damages to awning, overhead and underbody of the vehicle)	$5,000 - $7,500, debited	2% Mastercard and Visa fee, 4,5% for Amex
Britz	$7500	$65	$0	Damage includes any and all damage to Third Party property, damage to the rented vehicle including windscreens, tyres, towing and recovery costs, theft, fire, break in or vandalism. - Overhead/Underbody	yes	yes	- Breaching the terms of Rental Contract or negligence - Replacing keys - Single Vehicle rollover unless Additional Protection Coverage has been purchased; - Any damage caused to the vehicle due to the use of snow chains; and - Contamination	$7500, debited	2% Mastercard and Visa fee, 4,5% for Amex, no credit card fee on the bond
Budget Campers NZ	$1800 - $2500	$18-$21	$0	Vehicle damage, incl windscreen and tyres	yes	yes	- Water related damage - Breaching the terms of Rental Contract or negligence/ willful misconduct - Contamination - Recovery & towing costs - Replacing keys - Overhead/underbody - Vehicle is driven on restricted roads - Beach driving - Cost to replace keys - Incorrect use of fuel	$1800 - $2500, imprint	2% for Visa or MasterCard
Cheapa Campas	$2700 - $5000	$28 - $37	$0	Vehicle damage	yes	no	- Breaching the terms of Rental Contract or negligence/ willful misconduct - Windscreen and tyres - Water related damage - Single vehicle roll over - Underbody/Overhead - Contamination - Damage to Awning or the slide out - Demurrage	$2700 - $5000, debited	2% Mastercard and Visa fee, 4,5% for Amex. Credit card fees are applicable on the bond
Discover NZ	$3000	$40	$0	Vehicle damage	tyres only		- Does not provide coverage for hirer's personal property. - Does not apply to reckless driving or driving under the influence of drugs/ alcohol.	$3000, debited
Escape Rentals	$3000- $4000	$27 - $35	$300	Vehicle damage, incl windscreen and flat tyres, first vehicle accident	yes	yes	- Breaching the terms of Rental Contract or negligence/ willful misconduct	$3000- $4000, imprint	2% Mastercard and Visa fee if not taken insurance
Freedom Campers NZ	$2500 - $3400	$23 - $29	$0	Vehicle damage, incl windscreen and tyres	yes	yes	- Water related damage - Breaching the terms of Rental Contract or negligence/ willful misconduct - Contamination - Recovery & towing costs - Replacing keys - Overhead/underbody	$2500 - $3400, imprint	2% Mastercard and Visa fee
Happy Campers	$2000 - $4000	$27 - $55	$0	Vehicle damage, incl multiple windscreens and tyres	yes	yes	Full liability for vehicle or third party property if: - Breaching the terms of Rental Contract or negligence/ willful misconduct - Water related damage - Damage is caused to the vehicle by the use of snow chains - Single vehicle roll over - Contamination - Towing/ retrieval costs	$2000 - $4000, imprint	3,5% on Amex
Hippie Campers	$2500 - $3500	$20-$30	$100	Vehicle damage	no	no	- Breaching the terms of Rental Contract or negligence - Water related damage - Single vehicle roll over - Awning - Overhead/underbody - Tyres/Windscreen - Demurrage	$2500 - $3500, debited	2% Mastercard and Visa fee, 4,5% for Amex, Credit card fees are applicable on the bond
Jucy	$3000 -$5000	$25 - $55	$0	All damage to third party property, damage to the rented vehicle including tyres, towing and recovery costs, theft, fire, break-in or vandalism, underbody	yes	yes	- Replacing keys - Driving while the vehicle’s engine is overheated - Inventory - Roof - Windscreen/ chips - Singe vehicle rollover	$3000 - $5000, imprint	2% Mastercard and Visa fee, 4,5% for Amex
Kea	NIL	Included in the daily rate	$0	Vehicle damage, windscreen and tyres, underbody and overhead, single vehicle rollover	yes	yes	- Breaching the terms of Rental Contract or negligence - Replacing keys - Any damage caused to the vehicle due to the use of snow chains; and - Contamination	NIL	2% Mastercard and Visa fee, 4,5% for Amex. No credit card fee on the bond
Kiwi Campers	$2000-$4000	$27.5 - $55	$0	Vehicle damage, incl multiple windscreens and tyres	yes	yes	Full liability for vehicle or third party property if: - Breaching the terms of Rental Contract or negligence/ willful misconduct - Water related damage - Damage is caused to the vehicle by the use of snow chains - Single vehicle roll over - Contamination - Towing/ retrieval costs	$2000 - $4000, imprint	3,5% on Amex
Lucky Rentals	$2500	$25	$0	Vehicle damage, 1 windscreen and multiple tyres replacement	yes	yes	- Breaching the terms of Rental Contract or negligence/ willful misconduct - Contamination - Driving on beach or sand - Recovery & towing costs - Single vehicle rollover - Driving while warning light appears on the dashboard, overheating or after a mechanical breakdown	$2500, imprint	2% Mastercard and Visa fee, 5% for Amex
Maui	$7500	$65	$0	Damage includes any and all damage to Third Party property, damage to the rented vehicle including windscreens, tyres, towing and recovery costs, theft, fire, break in or vandalismd - over head/underbody	yes	yes	- Breaching the terms of Rental Contract or negligence - Replacing keys - Single Vehicle rollover unless Additional Protection Coverage has been purchased; - Any damage caused to the vehicle due to the use of snow chains; and - Contamination	$7500, debited	2% Mastercard and Visa fee, 4,5% for Amex. No credit card fee on the bond
Mighty Campervans	$3500- $5000	$39	$0	Damage includes any and all damage to Third Party property, damage to the rented Vehicle including windscreens, tyres, towing and recovery costs, theft, fire, break in or vandalism - Overhead/Underbody	yes	yes	- Breaching the terms of Rental Contract or negligence - Replacing keys - Single Vehicle rollover unless Additional Protection Coverage has been purchased; - Any damage caused to the vehicle due to the use of snow chains; and - Contamination	$3500- $5000, debited	2% Mastercard and Visa fee, 4,5% for Amex. No credit card fee on the bond
Spaceships NZ	$3000	$30	$0	Vehicle damage, incl 1 windscreen and 2 tyres, underbody and overhead of the vehicle, single vehicle accidents, 1 single vehicle rollover	yes	yes	- Water related damage - Breaching the terms of Rental Contract or negligence - Inventory unless caused by a motor accident - Replacing keys - Damage to vehicle due to the use of snow chains - Incorrect use of fuel	$3000, debited	Visa and MasterCard, 2.2%, 5,5% Amex, Diners, no credit card fee on the bond
TUI Campers	$4000 - $5000	$28 - $35	$0	Vehicle damage, incl windscreen and tyres	yes	yes	- Water related damage - Breaching the terms of Rental Contract or negligence/ willful misconduct - Contamination - Recovery & towing costs - Replacing keys - Overhead/underbody - Vehicle is driven on restricted roads - Beach driving - Cost to replace keys - Incorrect use of fuel	$4000 - $5000, imprint	2% Mastercard and Visa fee,
United Campervans	$5000	$31.5 -$45	$250	Vehicle damage and third party property, repair and replacement of damaged windscreen, underbody and overhead of the vehicle,single vehicle accident and vehicle rollover	yes	yes	- Breaching the terms of Rental Contract or negligence - Water related damage - Driving on restricted roads - The hirer has repairs made to the vehicle without the insurer's permission. - The hirer admits and accept responsibility for third party damage	$5000, debited	2% for credit card fees, credit card fees are refundable on the bond for Visa and MasterCard
Walkabout Wagons	$2000 - $2500	$20	n/a	Vehicle damage incl. 1 front windscreen and flat tyres	yes, limited	n/a	n/a	$2000, debited	n/a
Wicked Campers	$3000	$25	$1, $100 for NZ/AU citizens	Vehicle damage (only own vehicle), incl. 1 front windscreen and 2 tyres	yes, limited		- Damage caused by speeding or driving while intoxicated - Driving Highways or any rural areas between the hours of 5pm and 8am - Falling asleep at the wheel or fatigue - Single-vehicle incident and/or single-vehicle rollover - Damage caused while reversing vehicles - Stationary Incidents: Any damage incurred while the vehicle is stationary is not insured, unless there is another vehicle involved that has been identiﬁed and reported to the police. The hirer has a duty to park the vehicle in safe areas when not in use. - Hitting animals - Night time driving ("Any incidents that occur AFTER SUNSET and BEFORE SUNRISE outside of major cities and towns will not be insured") - Roof and underbody damage - Windows (windscreen is insured by the premium excess reduction option but not side or rear windows) - Theft, fire or break in - Water damage (of any type)	$3000, debited	4% Admin & Contract fee. AMEX not accepted