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Excess Reimbursement


The majority of car rental agreements will include in their price mandatory insurance cover for Collision Damage Waiver (CDW) and Third Party Liability (TP). In the event of damage or theft of the rental vehicle, car rental companies will charge you an excess; this is the amount you are responsible for paying towards repair costs.

How does Excess Reimbursement insurance work?

Excess Reimbursement insurance is a voluntary insurance, which is useful if there is an excess applicable to your car hire. The cover applies to the individual, so you are covered, even if you change the car hire company or the type of car that you have hired. It is designed to repay the excess or repair costs you have to pay under the terms of the rental agreement following damage to the rental vehicle. The Excess Reimbursement is subject to the exclusions detailed in the policy wording.  

What is covered in Excess Reimbursement ?

Key features and benefits include: ·        
Excess on damage and theft up to $6,500 per year
Drivers aged 21 to 85 years old (inclusive)
Covers damage to the windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car hire companies. 
Damage caused by using the wrong type of fuel: up to $500 per claim and $2,000 per year ·        
You (the policyholder), plus up to seven additional drivers named on your rental agreement

What is not covered in Excess Reimbursement ?

Coverage exclusions include: ·        
Damage to the interior or contents of the car
Drivers must be aged between 21 and 85 years of age
Rentals contracts cannot be longer than 60 continuous days
Where damage is the result of driving off-road
If the market value of the Rental Vehicle exceeds $120,000
Full details of what is and isn’t covered can be found in the policy wording Our policy documents are available in English. These can be found on the product description pages of this website.

Purchase Process of Excess Reimbursement Insurance

You can buy this Excess Reimbursement insurance through our online quote and buy platform on Claimy Excess. The policy can be bought up to 364 days in advance, right up to before you collect the rental vehicle. You can choose to buy either: an annual policy, which will provide cover for multiple hires throughout the period of cover; or a daily policy, which will provide cover specifically for the days that you request it. During the quote and buy process you will be asked a number of questions.

These will include basic information such as:
1.      the details of the lead driver on the rental agreement
2.      the policy start date and time
3.      If it is a Daily policy, how many days you require cover for.  

This information will be used to create the Claimy Excess policy certificate. Please ensure that the information provided is the same as those detailed in the car rental agreement.
The offer and selling price of this policy lasts until your browser session expires. You can pay for this insurance policy using your Visa or MasterCard debit or credit card. The price provided has to be paid in full. Before proceeding to payment, you will see a breakdown of costs including the insurance premium, the Insurance Premium Tax (IPT), our customer service charge and, if you use a credit card, a corresponding fee.

Once the payment has been finalized, we will send a confirmation email that includes your policy wording, insurance certificate and our terms of business document. Please ensure you save these documents and we recommend you take with you whenever you pick up a rental vehicle.  

Contact Us

If you need us at any time, our contact details are as follows:-
Unit 1D, 39 East Tamaki Rd. Papatoetoe, Auckland-2025  
Mob: 09-278 8800

Our team's hands on experience in bespoke insurance solutions and claim handling makes us #1 preferred choice with businesses and individuals NZ wide.