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Rental vehicle insurance excess cover

Rental vehicle insurance excess cover

Rental vehicle excess cover with Fast Cover

Rental vehicle excess cover with Fast Cover

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year

Rated by thousands†

on Product Review

4.7 Rated

Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year
Rated by thousands†

on Product Review

4.7 Rated
Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

Top 3 things to know

What it covers

Types of rental vehicles

Compare benefits

Top 3 things to know

What it covers

Types of rental vehicles

Compare benefits

Learn more about rental vehicle excess cover for your next trip

Updated on

15 July 2026

Learn more about rental vehicle excess cover for your next trip

Updated on

15 July 2026

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

No h2 headings found in #content

Fast Cover can reimburse you for the rental vehicle excess component that you would have to pay your rental vehicle company should your rental vehicle be damaged in an accident while you are driving, or damaged or stolen while in your custody.*

You might still need to purchase the appropriate rental vehicle insurance for your rental vehicle or purchase the insurance as required by your rental vehicle provider. Our Rental Vehicle Excess cover only provides cover for the excess component of your rental vehicle insurance.

Fast Cover can reimburse you for the cost to repair the rental vehicle if it is lesser than the cost of the rental vehicle insurance excess. There is no cover relating to any other costs, such as the costs to independently fix the damage to the rental vehicle.*

If you’re in an accident, you can also claim up to $500 for the cost of returning your hire car to the nearest rental car depot if your attending medical practitioner certifies in writing that you are unfit to return the rental car yourself during the trip.*

Fast Cover can reimburse you for the rental vehicle excess component that you would have to pay your rental vehicle company should your rental vehicle be damaged in an accident while you are driving, or damaged or stolen while in your custody.*

You might still need to purchase the appropriate rental vehicle insurance for your rental vehicle or purchase the insurance as required by your rental vehicle provider. Our Rental Vehicle Excess cover only provides cover for the excess component of your rental vehicle insurance.

Fast Cover can reimburse you for the cost to repair the rental vehicle if it is lesser than the cost of the rental vehicle insurance excess. There is no cover relating to any other costs, such as the costs to independently fix the damage to the rental vehicle.*

If you’re in an accident, you can also claim up to $500 for the cost of returning your hire car to the nearest rental car depot if your attending medical practitioner certifies in writing that you are unfit to return the rental car yourself during the trip.*

If your rental vehicle is stolen, you should report the theft as per the rental car insurance policy that you have with the hire car company. If you have purchased the Rental Vehicle Excess cover add-on, you can then submit a claim with us for the rental vehicle insurance excess that you have paid to the hire car company.

If your rental vehicle is damaged, you should report the damage as per the rental car insurance policy that you have with the rental car company. If you have purchased the Rental Vehicle Excess cover add-on, you can then submit a claim with us for the rental vehicle insurance excess that you have paid to the hire car company.

If your rental vehicle is stolen, you should report the theft as per the rental car insurance policy that you have with the hire car company. If you have purchased the Rental Vehicle Excess cover add-on, you can then submit a claim with us for the rental vehicle insurance excess that you have paid to the hire car company.

If your rental vehicle is damaged, you should report the damage as per the rental car insurance policy that you have with the rental car company. If you have purchased the Rental Vehicle Excess cover add-on, you can then submit a claim with us for the rental vehicle insurance excess that you have paid to the hire car company.

Cover for existing medical conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select who needs cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a medical screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to add cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive

Standard Saver

Domestic Plus

Snow Sports Plus

Frequent Traveller Saver

Driving through unfamiliar or challenging terrain such as gravel roads, steep mountain passes, or narrow coastal tracks can increase the risk of accidental damage to your rental vehicle. Rental vehicle excess cover can help protect you from unexpected costs if your motor vehicle is involved in an accident on challenging terrain.

Whether you're hiring a hatch back, a 4WD for adventure, a campervan or motorhome (under 4.5 tonnes) for the family, new or unfamiliar vehicles can be harder to drive and manoeuvre, especially if it’s your first time driving this type of vehicle. Rental vehicle excess cover can help provide cover for the excess component of your rental vehicle insurance if you damage an unfamiliar vehicle.

From heavy rain to strong winds or icy conditions, unpredictable weather can make driving more challenging and increase the chance of accidents, especially if you’re driving an unfamiliar vehicle. Rental vehicle excess cover can help pay the excess on your hire car insurance if the vehicle is damaged during bad weather.

If you’re driving overseas, navigating new road rules, or simply travelling somewhere you’ve never been, mistakes and accidents can happen. Rental vehicle excess cover can help provide cover for the cost of the rental vehicle insurance excess component if you damage your hire car in an unfamiliar location.

You may be charged the excess in a range of everyday situations, even those that seem minor. While each car hire company may have different conditions for rental vehicle insurance excess, some examples may include:

  • A small collision at a roundabout or in slow traffic

  • Damage while parked, such as another vehicle scraping your hire car in a shopping centre car park

  • Broken windscreen or windows

  • Tyre damage, punctures or wheel damage

  • Weather related damage, such as flying debris in a storm

  • Damage during reversing or low speed manoeuvres, which are some of the most common incidents for travellers unfamiliar with local roads

These situations aren’t rare and can happen to careful drivers too, especially when driving in a new place or navigating unfamiliar vehicles.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

Driving through unfamiliar or challenging terrain such as gravel roads, steep mountain passes, or narrow coastal tracks can increase the risk of accidental damage to your rental vehicle. Rental vehicle excess cover can help protect you from unexpected costs if your motor vehicle is involved in an accident on challenging terrain.

Whether you're hiring a hatch back, a 4WD for adventure, a campervan or motorhome (under 4.5 tonnes) for the family, new or unfamiliar vehicles can be harder to drive and manoeuvre, especially if it’s your first time driving this type of vehicle. Rental vehicle excess cover can help provide cover for the excess component of your rental vehicle insurance if you damage an unfamiliar vehicle.

From heavy rain to strong winds or icy conditions, unpredictable weather can make driving more challenging and increase the chance of accidents, especially if you’re driving an unfamiliar vehicle. Rental vehicle excess cover can help pay the excess on your hire car insurance if the vehicle is damaged during bad weather.

If you’re driving overseas, navigating new road rules, or simply travelling somewhere you’ve never been, mistakes and accidents can happen. Rental vehicle excess cover can help provide cover for the cost of the rental vehicle insurance excess component if you damage your hire car in an unfamiliar location.

You may be charged the excess in a range of everyday situations, even those that seem minor. While each car hire company may have different conditions for rental vehicle insurance excess, some examples may include:

  • A small collision at a roundabout or in slow traffic

  • Damage while parked, such as another vehicle scraping your hire car in a shopping centre car park

  • Broken windscreen or windows

  • Tyre damage, punctures or wheel damage

  • Weather related damage, such as flying debris in a storm

  • Damage during reversing or low speed manoeuvres, which are some of the most common incidents for travellers unfamiliar with local roads

These situations aren’t rare and can happen to careful drivers too, especially when driving in a new place or navigating unfamiliar vehicles.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

The rental car excess benefit does not replace the rental car insurance that you may be required to take out with your rental vehicle company. The benefit only covers the excess component of that insurance up to the amount specified on your travel insurance policy.

If the rental vehicle was being driven by someone who is not listed as an authorised driver in the rental car contract and on your Certificate of Insurance.

Cover may not be available if you were operating the rental vehicle without the appropriate licence. This may include driving on a learner's licence or driving while affected by alcohol or any other drug in a way that is against the law. You must hold a current Driver’s Licence (Provisional or higher) valid for driving in Australia, for the same class of motor vehicle, regardless of the local laws and if required, a licence valid for the country that you are driving in.

Cover is not available under the Rental Vehicle Excess benefit if the vehicle you rent does not meet our definition of a rental vehicle under the PDS. Vehicles that do not meet our definition of rental vehicle include (but are not limited to) motorcycles, mopeds, scooters, trailers, trucks and golf buggies.

These vehicle types are not covered under Rental Vehicle Excess cover as they do not meet the rental vehicle definition under our PDS.

Claims under this benefit that arise from COVID 19 are excluded.

The rental car excess benefit does not replace the rental car insurance that you may be required to take out with your rental vehicle company. The benefit only covers the excess component of that insurance up to the amount specified on your travel insurance policy.

If the rental vehicle was being driven by someone who is not listed as an authorised driver in the rental car contract and on your Certificate of Insurance.

Cover may not be available if you were operating the rental vehicle without the appropriate licence. This may include driving on a learner's licence or driving while affected by alcohol or any other drug in a way that is against the law. You must hold a current Driver’s Licence (Provisional or higher) valid for driving in Australia, for the same class of motor vehicle, regardless of the local laws and if required, a licence valid for the country that you are driving in.

Cover is not available under the Rental Vehicle Excess benefit if the vehicle you rent does not meet our definition of a rental vehicle under the PDS. Vehicles that do not meet our definition of rental vehicle include (but are not limited to) motorcycles, mopeds, scooters, trailers, trucks and golf buggies.

These vehicle types are not covered under Rental Vehicle Excess cover as they do not meet the rental vehicle definition under our PDS.

Claims under this benefit that arise from COVID 19 are excluded.

Compare travel insurance benefits

Depending on the level of cover you choose, Fast Cover offers a range of travel insurance benefits to suit different types of trips. Compare our travel insurance policies and the benefits available below to find an option that fits your plans, your destination and the way you prefer to explore.

Benefits
Basics
Standard Saver
Comprehensive
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
4 benefits
4 benefits
8 benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
$1,000
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
$5,000
Accidental DeathSub limits apply
$25,000
Permanent Disability1Sub limits apply
$50,000
Loss of Income1Sub limits apply
$10,400
Financial benefits
2 benefits
7 benefits
11 benefits
Snow sports benefits
No cover
No cover
No cover
COVID-19 benefits
1 benefits
2 benefits
2 benefits

Compare travel insurance benefits

Depending on the level of cover you choose, Fast Cover offers a range of travel insurance benefits to suit different types of trips. Compare our travel insurance policies and the benefits available below to find an option that fits your plans, your destination and the way you prefer to explore.

Basics
Standard Saver
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
Accidental DeathSub limits apply
Permanent Disability1Sub limits apply
Loss of Income1Sub limits apply
Financial benefits
Snow sports benefits
COVID-19 benefits

Ready to hit the road on your next trip?

Ready to hit the road on your next trip?

Where are you travelling to next?

From a relaxing week in Southeast Asia to a month backpacking across Europe, discover travel insurance for your next overseas destination.

Where are you travelling to next?

From a relaxing week in Southeast Asia to a month backpacking across Europe, discover travel insurance for your next overseas destination.

Got a question?

Does Fast Cover Travel Insurance cover car hire excess?

How does Fast Cover car rental excess cover work?

Do Fast Cover overseas policies automatically include cover for Rental Vehicle Insurance Excess?

Does the Rental Vehicle Excess benefit apply to cars hired in Australia?

How many times can I use the Rental Vehicle Excess benefit?

Do I still need to buy rental vehicle insurance if I am covered by your Rental Vehicle Excess benefit?

How much does insurance cost for a rental vehicle?

What happens if the damage to my rental car is less than the rental car excess?

Does Rental Vehicle Excess cover the full cost of repairing the hire car?

Can a dependent listed on a travel insurance policy be covered for the Rental Vehicle Excess benefit?

Does the Rental Vehicle Excess benefit cover both drivers?

Am I covered if I am listed as a driver on the rental car agreement, but am not the person hiring the rental car?

Does Rental Vehicle Excess cover apply to valuables?

Are motorcycles covered under the Rental Vehicle Excess benefit?

Does the Rental Vehicle Excess benefit provide cover for caravan hire?

Are campervans or motorhomes covered under the Rental Vehicle Excess benefit?

Got a question?

Does Fast Cover Travel Insurance cover car hire excess?

How does Fast Cover car rental excess cover work?

Do Fast Cover overseas policies automatically include cover for Rental Vehicle Insurance Excess?

Does the Rental Vehicle Excess benefit apply to cars hired in Australia?

How many times can I use the Rental Vehicle Excess benefit?

Do I still need to buy rental vehicle insurance if I am covered by your Rental Vehicle Excess benefit?

How much does insurance cost for a rental vehicle?

What happens if the damage to my rental car is less than the rental car excess?

Does Rental Vehicle Excess cover the full cost of repairing the hire car?

Can a dependent listed on a travel insurance policy be covered for the Rental Vehicle Excess benefit?

Does the Rental Vehicle Excess benefit cover both drivers?

Am I covered if I am listed as a driver on the rental car agreement, but am not the person hiring the rental car?

Does Rental Vehicle Excess cover apply to valuables?

Are motorcycles covered under the Rental Vehicle Excess benefit?

Does the Rental Vehicle Excess benefit provide cover for caravan hire?

Are campervans or motorhomes covered under the Rental Vehicle Excess benefit?

Things you need to know
Things you need to know
Things you need to know

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Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.