excess car insurance | Australian Frequent Flyer
Australian Frequent Flyer

Welcome to Australia's leading independent Frequent Flyer and Travel Resource since 1998!
Our site contains tons of information that will improve your travel experience.

Joining AFF is fast, simple & absolutely free - register now and take immediate advantage of these great BENEFITS.

Once registered, this box will disappear. And you will see fewer advertisements :)

Login Now to remove this and all advertisements (GOLD and SILVER members)
Not a member? Register Now for free

excess car insurance

Status
Not open for further replies.

parsonstrish

Active Member
Joined
Sep 23, 2005
Messages
708
Qantas
Platinum
I know this has been discussed somewhat previously but I didn't understand.

My query is my friend will hire the car for o/s hol. in UK. Will my allowable excess covered by my o/s insurance policy, if I was driving and had accident, God forbid, would my coverage come into play even tho. car is in her name.

I would be put down as 2nd driver, so probably would be covered under my policy.....:confused: :confused:
thanks again, trish
 

Shano

Established Member
Joined
Aug 17, 2006
Messages
1,244
Flights
My Map
I would have thought that the rental agreement would need to be in your name, with your friend listed as an additional driver, for your cover to come into play.
 

tuapekastar

Established Member
Joined
Mar 16, 2005
Messages
4,438
Flights
My Map
My take on it is that if you both have the appropriate insurance cover, and you're both 'legally' nominated as a driver in the rental agreement, then you're both covered. The insurance cover should not rely on the person covered being the one doing the actual renting. I've been doing car rentals this way for quite some years now (two of us as drivers, each with their own insurance excess cover). I'd hate to think we had it wrong all that time (maybe we did)?
 

serfty

Veteran Member
Moderator
Joined
Nov 16, 2004
Messages
43,088
Qantas
Platinum
Virgin
Platinum
Flights
My Map
parsonstrish said:
I know this has been discussed somewhat previously but I didn't understand.

My query is my friend will hire the car for o/s hol. in UK. Will my allowable excess covered by my o/s insurance policy, if I was driving and had accident, God forbid, would my coverage come into play even tho. car is in her name.

I would be put down as 2nd driver, so probably would be covered under my policy.....:confused: :confused:
thanks again, trish
This topic has been discussed on this forum before and it is unlikely your O/S cover for excess will apply unless you take out the insurance offered by the hire car company. You can't get covered for excess unless there is a policy with excess to cover.

Unless you take out an annual cover specific to hire car insurance (as promoted in another thread by Dave Noble) you normally need to pay the hire car company for insurance cover, making sure you are both listed.
 
Last edited:
Credit cards which earn frequent flyer points is a popular way to earn frequent flyer points. You can receive thousands of points on everyday spend. And, many of these cards offer generous signup bonuses! Compare to find the credit card that best suits your needs.

Recommended by the Australian Frequent Flyer

tuapekastar

Established Member
Joined
Mar 16, 2005
Messages
4,438
Flights
My Map
I read the OP as being:

- my friend is hiring a car, we are both driving

- I have coverage under my O/S (travel?) insurance which covers excess payment in the event of an accident (IME can cover from $1,000 to $4,000 dependent on policy and premium, but there are probably other versions)

- if car is hired by friend (friend's name on rental agreement) but I am nominated in the agreement as a second driver, does my excess cover apply (without having to pay the hefty daily excess cover fees requested bny the car rental company)?

I just checked the last lot of travel insurance (a general policy, got it via RACV, maybe as a motoring organisation they include the car excess portion more readily than others) I took out and as far as I can tell (and I checked it out at purchase time), provided the OP has excess cover then yes, she (I'm assuming she :) ) is covered (for the excess charge...obviously she needs to take the 'standard' insurance offered for collisions (I think it's compulsory)?

Not sure if I have misunderstood something? Or why some sort of annual cover is necessary?

Edit: And I inferred from the OPost that the OPoster does have specific excess cover in her policy
 
Status
Not open for further replies.
Top