Car hire insurance/excess cover

smw75

Hi!!

Newbie on here looking for help!!

Im trying to book a car in Australia, but am struggling to get to grips with the excess waiver malarkey. It seems that you can pay for the zero excess, but you pay it and claim It back?. Is there a policy where you are covered completely without having to worry about claiming money back. I have looked at taking out excess insurance, but am unsure what you do I regards to the standard collision waver, do I just take the basic and take a further insurance policy?

Thanks

Steph

dacouch

You won't have any option, the car hire company will debit your card with the excess

Tilt

Not sure how it works abroad but in UK it's either an extra small daily premium (CDW) to pay to reduce or remove your liability for the full excess (Normally around £600). This is non-refundable and you also check the t & c's as it may not cover certain scenarios such as malicious or willful damage . Or you leave a deposit to cover the excess (usually taken via debit card or CC authorisation) which is refundable providing there is no damage.

In the event of any claims which are deemed that you are not liable, then it follows that the excess would be recoverable from any third party just as it would with your own insurance.