Processing other insurance options while travelling, such as additional car insurance products from car hire companies, can sometimes leave you feeling a bit like a prayer and a hope might be your best option… but a good travel insurance policy can help take some of the pain out of the equation.
How your travel insurance affects your car hire will depend on your policy. The policy that I recommend has a limit of $6,000 to cover the rental vehicle excess.
Typically, you would take the insurance cover offered by the rental vehicle company (that extra daily dollar amount that the rental vehicle company offers as an add on to the normal hire charge).
Car rental companies will also normally offer an extra charge to reduce the excess, or to have a nil excess.
The travel insurance policy I recommend would reimburse you, the traveller, for up to $6,000 for any excess that was applied to the rental vehicle insurance policy.
This travel insurance policy also offers, as standard:
- Medical and repatriation expenses
- Emergency Assistance provided 24 hours/7 days by Allianz Global
- Assistance with a worldwide network of companies
- Replacement cover on baggage items less than 2 years old
- Free cover for dependent children under 21 years
- Rental Vehicle excess cover
- Recreational Sports covered free of charge:
- Leisure skiing and snowboarding
- Scuba diving (with PADI or NAUI qualification)
- Hot air ballooning
- Parasailing and paragliding
- Bungee jumping
- White-water rafting in grade 4 or less rivers
Other policy options include:
- Private Hospital care option
- Excess Buyout option
- Increased cover for Specified High Value Items
- Civil Unrest in the Pacific Islands
- Terrorism cover
- Automatic free cover for some pre-existing medical conditions