Excess & coverage
What is rental excess, and how do I reduce it?
The excess (sometimes called the deductible) is the most you would pay toward repairs if the car is damaged or stolen - and it only applies if something happens. Every rate already includes damage and theft coverage; you can reduce the excess, often to zero, by choosing a higher coverage tier at checkout.
The practical details
- A standard rate comes with a set excess - for example around $6,600 AUD on many vehicles. That's a ceiling on your liability, not a charge: if you return the car undamaged, you pay nothing toward it.
- You can lower that ceiling. Adding damage cover (LDW) reduces the excess; the top tier typically brings it to zero and adds windshield and tire protection, which a standard excess doesn't cover.
- The excess is what your security deposit (bond) is reserved against - so a lower excess also means a smaller amount at risk on your card.
- The exact excess for your car, and the price to reduce it, are shown on your booking before you pay - you choose the level of cover you're comfortable with.
Common pitfalls
- Thinking the excess is charged up front. It isn't - it's only ever payable if the car is damaged or stolen.
- Assuming a standard excess covers everything. Windshields and tires are often excluded until you take a higher tier.
- Buying separate third-party 'excess insurance' online without realising you can reduce the excess directly at checkout, in the same booking.
Our recommendation
- Decide your comfort level: keep the standard excess for the lowest price, or reduce it for peace of mind.
- If you want zero worry, take the top tier - excess to zero, plus windshield and tire cover.
- Compare the daily cost of reducing the excess against the amount at risk; on longer trips the top tier often makes sense.
Related questions
What is rental car excess?
The excess is the most you'd pay toward damage or theft of the car. It only applies if something happens - if you return the car undamaged, you pay nothing toward it.
How do I reduce the excess on a rental car?
Choose a higher coverage tier at checkout. Adding damage cover lowers the excess, and the top tier typically brings it to zero and adds windshield and tire protection.
How much is the standard excess in Australia?
It varies by vehicle - around $6,600 AUD on many cars. The exact figure for your car is shown on your booking, along with the price to reduce it.
Does the excess include windshield and tires?
Often not on a standard rate - windshield and tire damage is usually only covered once you take a higher coverage tier.
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