Interstate Travel, How to Get Rental Car with Reduce Insurance Excess

CalmLemons on 05/09/2023 - 22:07

As far as I know, credit card insurance only covers international rental car insurance.

For interstate rental cars, how are we able to reduce the excess? Just by buying local travel insurance?

Travel Car Rental

Comments

  • kerfuffle on 05/09/2023 - 22:11
    +1

    My credit card insurance covers domestic car rental. (Westpac)

    • CalmLemons on 05/09/2023 - 22:19

      I've got commbank platinum rewards and it only covers international for $400 a year lol

      • kerfuffle on 05/09/2023 - 22:20
        +2

        Doesn't really seem Platinum then for $400, does it?

        • CalmLemons on 05/09/2023 - 22:20

          You're 100% right there.

      • capslock on 06/09/2023 - 05:57
        +1

        You've chosen the wrong bank. My NAB and ANZ credit cards both have domestic car rental insurance.

    • sumyungguy on 06/09/2023 - 08:36

      Westpac (among other credit card comp insurances) applies a $300 policy excess which is not so great.

  • altomic on 05/09/2023 - 23:45

    depends on the CC for car hire insurance excess.
    i use SCTI for car hire excess reduction.

  • netjock on 05/09/2023 - 23:46

    Third party excess insurance a few bucks a day

    • CalmLemons on 06/09/2023 - 02:38

      Like $100 for 2 days when the car hire is $180 for 2 days. or a return taxi would be only $160 in total so lol the economics aren't really stacking up.

      • netjock on 06/09/2023 - 08:34
        +1

        $15 a day for NSW I got a quote from any random google result link. Can be cheaper if you look around.

  • Marty-69 on 06/09/2023 - 06:52

    Separate travel insurance.

  • sumyungguy on 06/09/2023 - 08:33
    +1

    Sadly the price leader, Rentalcarprotection.com.au has exited the market. I'm using Rentalcover.com (with SAVE30 code) for a 3-day trip next month and sometimes use domestic travel insurance (SCTI, Zoom: zero policy excess) for longer trips.

    • maelstrm on 23/10/2023 - 21:03

      Rentalcover.com looked cheap (and thanks for the code)… but their T&Cs (semi hidden) said that you had to have purchased a base level insurance package in order to be covered under their "Full Protection"! Not cool, and also not worthwhile imho when the two are added together.

      • sumyungguy on 23/10/2023 - 21:53

        I think that's referring to places like the USA, where cars can be rented without CDW/LDW as their domestic travellers typically have cover through credit cards. CDW is included when you rental a car in Australia/

  • boomramada on 06/09/2023 - 08:52
    +2

    I used these guys, https://www.carhireexcess.com.au/ had a hit and run, and these guys pay me out during the COVID era.

    • Cyphar on 06/09/2023 - 09:36

      +1 for these guys. Been using them for a few years. Made a claim with them last year and paid out the excess. Highly recommended.

    • sumyungguy on 06/09/2023 - 10:12

      I used to use Baaaney but found with excesses often $5K and above there are lower prices available elsewhere.

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