Changes to Westpac credit cards from 1 Oct 2026

[Happy Dude]

get what your saying but we hire a lot of vehicles overseas and receive good up grades regularly... not going to turn down a good upgrade!! and I'm differently not going to mess around and wonder if under or over $100,000.... minefield

If it [westpac insurance] covers vans, campervans etc as well as passenger cars then it will be better than the Amex explorer insurance, which is also restrictive in terms of duration (maybe 30days ottomh?).

I don't have the problem often as I hire from CBR non-airport locations moslty, but it is hard to turn down a good upgrade that's for sure, especially when it often comes automatically with status. But the trade-off is there is no excess gap for you to cover. Most CC will only cover the first $5k - $6k when the rental company damage excess is commonly $6k+ now.

I was surprised to learn recently that most of the Prado and Ranger ranges are comfortably below $100k.

 

[stu961]

If it [westpac insurance] covers vans, campervans etc as well as passenger cars then it will be better than the Amex explorer insurance, which is also restrictive in terms of duration (maybe 30days ottomh?).

I don't have the problem often as I hire from CBR non-airport locations moslty, but it is hard to turn down a good upgrade that's for sure, especially when it often comes automatically with status. But the trade-off is there is no excess gap for you to cover. Most CC will only cover the first $5k - $6k when the rental company damage excess is commonly $6k+ now.

I was surprised to learn recently that most of the Prado and Ranger ranges are comfortably below $100k.

think you hit the nail on the head.... I don't want to be surprised by something being over $100000 Aussie... and then add in cross currencies, different makes and models in different countries... back to minefield

 

[jokes128]

Sorry for my ignorance as I very rarely rent a car.

Fellow AFFers talk about how much their rental cars are worth whether over or under $100k in regards to the complimentary insurance by the card.

First, as far as I know, we rent a car and most(if not all) rental company would provide "complimentary insurance" but with like $6,000 excess. If so, why do we need to worry about the $100k limit as the most I pay would be the excess amount if I am at fault?

May I also ask, in the case of at fault accident, if the $100k limit include the value of the other car I cause damage to, in addition to the value of the rental/upgraded car that I drive? If so, damaging a luxury car would totally eat up the $100k limit.

 

[Rayesfeg]

Sorry for my ignorance as I very rarely rent a car.

Fellow AFFers talk about how much their rental cars are worth whether over or under $100k in regards to the complimentary insurance by the card.

First, as far as I know, we rent a car and most(if not all) rental company would provide "complimentary insurance" but with like $6,000 excess. If so, why do we need to worry about the $100k limit as the most I pay would be the excess amount if I am at fault?

May I also ask, in the case of at fault accident, if the $100k limit include the value of the other car I cause damage to, in addition to the value of the rental/upgraded car that I drive? If so, damaging a luxury car would totally eat up the $100k limit.

I believe what the others are saying is that if a rental vehicle has a 'market value'' over $100k, then you will not be covered by the rental vehicle excess cover..

So if you are involved in an accident, and the excess is $5k, for example, but the market value of the rental vehicle is over $100k, then you will not be covered under this policy and you will need to pay the $5k excess yourself.

Having said that, I did have a (Very quick) look through the PDS of the insurance coverage and I couldn't see this listed as an exclusion. Perhaps I'm looking in the wrong place?