Car Hire - Snow Cover above The Snow Line

I am heading to the Victorian side of Australian Alps in August & the car hire company are charging an additional $25 per day "Snow Cover". for driving above the snow line. We are taking supplies (food/wine etc) so want our car at the resort.

"Snow Cover" is on top of the vehicle excess insurance as stipulated in terms & conditions on multiple car hire sites.

I normally take out the excess cover with companies such as rentalcover.com but it is not clear whether we are covered for the driving above the snow line money grabbing premium.

Thanks in advance for any info.

Here's the attached terms of rental company

https://files.ozbargain.com.au/upload/270005/113864/screensh…

https://files.ozbargain.com.au/upload/270005/113865/screensh…

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