Vehicle Insurance and Accident Liability Coverage
Q. How does vehicle insurance operate in Australia?
A. Third party unlimited personal liability insurance is included in the annual State vehicle license registration fee. The statatury state insurence does not cover damage to the hire vehicle; third party vehicles or other property, neither single accident occurrences, so you should always ensure that the price you are quoted for your vehicle hire includes full, or comprehensive insurance.
Even full insurance cover may vary from company to company so ask the following questions.
Does it cover single accident events, i.e., you swerve to avoid an animal and crash the vehicle, if it does, what is the level of accident liability applying? Do I have to pay extra to reduce?
Should you be the driver at fault, does it contain personal injury cover for you as the driver, if not; you may wish to ensure you are covered by your own holiday insurance.
Q. What level of comprehensive insurance applies to your vehicles?
A. The cover includes damage to the hire, and third party vehicles along with third party property and is subject via the rental contract to a varying Accident Liability sum value, dependant on vehicle type, and the age of the drivers. It also covers single accident occurrences, i.e., no other insurable party is involved or traceable. In these circumstances the vehicle insurance policy excludes damage or loss to the vehicle interior, underneath and roof of the hire vehicle including stone chips and windscreen damage plus tyre and wheel hub damage.
Q. What is Vehicle Accident Liability?
A. It is the sum of money, (although the vehicle is comprehensively insured), that you (subject to the rental contract terms) could be liable to pay in the event of an accident and subsequent damage to the hire vehicle.
There are two applicable accident liability rates applying, the first we call the Standard Accident Liability which is applied to accidents involving third parties.
Each vehicle has a Standard Accident Liability ranging from $2750 for standard cars and variable upper values for high performance cars and some types of motor homes, trucks and large buses. Our Sports Car rates and Accident Liabilities are detailed in the related Sports Car pages of this site along with the daily rates and special weekend packages.
Because of the high volume of Single Vehicle Accident occurrences experienced in Australia a separate Single Accident Liability sum applies for each and every single accident occurrence. Single Accident Liability applies when no other insurable presence is involved or traceable.
Q. Can I vary my accident liability in respect to the hire vehicle?
A. Yes, we can effectively lower your liability
For a small additional daily payment we undertake in the event of damage to the hire vehicle, to cap at our risk, both Accident Liabilities value to the lower risk liability value that you have selected and feel more comfortable with. We call this optional benefit -Driver Protection Package.
Lowered Single Accident Liability protection is automatically included as shown below when you select our Standard or Gold Driver Protection Package.
By selecting the appropriate Driver Protection package you will reduce your accident liabilities as displayed below. All prices shown include GST
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