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Tripcover
4.6 from 95 reviews

Problem solved!

I recommend TripCover. Competitively priced vs rental companies. (Haven't had to claim yet.)

I had an issue where PayPal charged me but I never received insurance certificate. Initially difficult to contact, but Tripcover sorted out.

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
1 comment
We do have another plan for drivers under 25 Dan. Thanks for the kind review.

Something to watch out for!

We have used tripcover a few times when hiring cars & thankfully never had to claim. Whilst it is still a much cheaper option than the car hire company - we got caught out with the excess amount this time. We went with Europcar which we don't normally do & did not realise the excess was higher until we picked up the vehicle. As we were driving off, I got straight on the phone to Tripcover to upgrade the excess cover from $4,000 to $5,500, however they refused. [name removed] advised that we would need to go back & cancel the whole hire contract, start a new contract & then cancel the existing Tripcover policy & take out a whole new one. As we were running late for an engagement, this was not an option for us & [name removed] refused to help. So, if we apply the same logic to house insurance, you would never be able to increase the value of that once the house is built or the mortgage signed?? Not happy with the unhelpful service/attitude at all.

Value for Money
Transparency
Customer Service
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo

Better than buying at rental desk!

I bought many times for domestic and international rentals. Website is easy to navigate and can contact company online and cancel within 14 days cooling off. Purchased for more than ten rentals over four years. Convenient, well priced and efficient service!

Value for Money
Customer Service
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo

Good value

Good value have been with your company for apx 40 years no complaints not happy with charges by hire companies (when you have never had a claim and have a good driving record regards David Mckay

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo

WHY A REVIEW?

Why are so any people putting on a review when they haven't made a claim??? Sure its cheaper and no problem to get cover but the REAL TEST comes when making a claim and that's where you read about people being out of pocket sometimes to the extent that it may have been better to take out the car rental insurance instead. I find these 'non event' reviews really annoying and pointless!

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
1 comment
Good point Trudy, I guess the reviews come from the people that find it such a relief that they have another option than using the rental companies expensive CDW option or driving around without any excess cover at all. And some actually like our customer service :) Every little bit helps.

Great service and excellent communication

Max and I are now back in England following our motorhome holiday around Western Australia for the past three months.

I just wanted to thank you for providing the reassurance of your policy. We had no mis-haps but it was great to know you were there to cover us if we had!

We'll definitely be doing more motorhome holidays and will contact you again for insurance.

Kind regards,
Shannan and Max

Value for Money
Customer Service
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
1 comment
Thanks guys

That was an easy decision

Cheaper than the excess cover offered by car-hire company, and the cover offered was easy to understand. The two options available from TripCover gave reasonable choice as well. Recommended service.

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo

Makes hiring a car affordable.

I've used this insurance several times before to hire vehicles in Australia. It costs about $8 per day and covers windscreen damage etc which gives me peace of mind. The only problem is I needed $5000 excess but the only options were $4000 or $6000.

Insurance claim madeNo
2 comments
Yes correct Sciger, which means you could take out the $4000 cover and carry the $1000 liability or the more expensive $6000 and be over insured. Thanks very much for the review and your feedback and will be taken on board, and passed on to Allianz.Yes, I took out the $4000 cover so will risk the $1000 liability in the event something were to happen. Beats the rental company's insurance.

Excellent option to insure your excess

I only discovered this option of insurance recently on the internet. Easy to use and get the cover. As far as the convenience of been insured this works well. I haven't had a claim to see how that works !!George

Insurance claim madeNo

Purchase was quick and easy - great customer service

I have only just purchaed the policy, not needed to claim at all but customer service was great after an initial little bit of confusion with how long I needed cover for. I contacted the service centre via email to clarify and Des was great. Below is the text from an email that I sent him after he looked after my query.

"You are a legend Des, thank you so much. I was not expecting to get the extra day for free, but I guess this is why Choice magazine recommends your company. I will most certainly be recommending you guys to friends and family and never again will I take out the expensive insurance with the hire car company."

Insurance claim madeNo

Take Note of possible Out of Pocket costs if you do have to claim

Summary of events and observations...

Purchased Allianz's Plan A “Nil Policy excess” cover through Tripcover. (Had done so several times before, the actual process is very easy and straightforward each time)

Unfortunately, ended up colliding with a Kangaroo in rural Victoria that bounded out onto the roadway from behind some bushes directly into the path of the hire car.

Rental company provided a (IMO what I deem as a rather inflated) repair quote for a cracked bumper and two small dents along the side caused by the Roo. This was challenged by myself, but it felt like to me Thrifty Vic had possibly all the scripted push-backs at the ready lined up to fire back at me one by one. Final Repair charge came to 2435 AUD, Excluding all the arbitrary charges that the Rental Car firm lumped on top. (And in my mind which Thrifty Vic did not adequately detail or disclose in any of their legal documentation)

I submitted the claim to Allianz and got paid out less Thrifty Vic's “Admin Fee”, “Transport (to Thrifty Vic’s nominated panel beater) fee”, and Thrifty's “Claim fee” leaving me out of pocket to the tune of 290 AUD (around twice the cost of the actual car hire by itself)

This further excludes the impact of any Foreign Margin Fees and charges that one's home bank may charge when Thrifty Vic takes out 4185 AUD (not just a "hold", but Thrifty Vic actually took it out from my CC as a full charge). While this is not in Tripcover / Allianz realm to really to deal with, International hirers using foreign Credit Cards need to be mindful of this and the consequential charges they may incur with their home bank when car hire companies do this.

While in the past, the Allianz product alone may have been sufficient to act as a stand in replacement to the Excess reduction offered by most of the major car rental firms, the situation looks to have changed. On this occasion, I'm thinking if I had taken up some sort of excess reduction directly with Thrifty in conjunction with the Tripcover policy, I would probably be out of pocket by a fair amount less than 290 AUD (not to mention NZ bank foreign currency charges on top of that).

I would not be surprised to learn that there may be some sort of Cat and Mouse game played by Hire car firms to discourage people taken out excess reduction cover with a 3rd party by landing the hirer, in case of a collision, with as much arbitrary charges as possible (and then seeing if the hirer’s own nominated excess reduction policy will cover it).

All that said, The Frontline Tele reps at Allianz Global Assist were super friendly to deal with, but they are obviously constrained by company policy as to what they can and can't do for you.

I fully intent to continue using Tripcover going forward as in my mind the premiums are very reasonable, though will probably look to now also combine this with some sort of excess reduction from the car hire firm in conjunction and only call upon the Tripcover policy for any shortfall and should applicable damage fall within the Car hire firm's exclusions.

Update / To Add: After writing my original review, Tripcover very kindly offered a refund of the original premium to help defray some of the out of pocket costs.

Insurance claim madeYes

So far so good

Easy to understand information. Better cover than that provided by the rental companies. A little pricey for 2 days cover ($57.56). Bought cover for $6000 (domestic) becuase all the rental companies excess was more than $4000. Website wouldn't accept my Frequent Flyer number.

Insurance claim madeNo

Excellent car rental cover

This is great cover for rental cars clearly explains what you are covered for and all ways a great rate.
Thank you.
Greg

Insurance claim madeNo

Easy as you like!

Always nice to feel the security of affordable hire car insurance, makes traveling so much more fun without the stress!

Insurance claim madeNo

Competitive

Was very disappointed to see an overseas tax charge on top of this insurance charge. Would not use this again for this reason

Insurance claim madeNo
2 comments
Hi Yvonne, can you explain further what this overseas tax was? DId you make a claim and then get charged or was it part of your policy charge?Ohhh. You mean the 10% GST....ok I will enquire with Allianz what should we do with this regards.

Saves a fortune on Excess Insurance

I use this product every time I rent a car. Saves about 50% off most rental car Excess Insurance Cover.

Insurance claim madeNo

Fantastic value

I love these guys, We use them everytime we get rental a car. such great value, Thankfully we have not had to make a claim yet, but with everything they cover i have fantastic piece of mind when we use them.

Insurance claim madeNo

Domestic standalone car rental excess cover

Cheapest domestic standalone car rental excess cover I could find (plus frequent flyer 5% discount ! ) Easy to use website with a breakdown of the number of hours protected (no 2nd guessing) - highly recommend

Insurance claim madeNo

Far less expensive than going through the car hire company

I didn't realize you could book excess insurance other than through the car hire company until I did a little research and this is a far more economical way to do it. We haven't actually needed to use the insurance (as yet) but I will update if we do.

Insurance claim madeNo

Don't waste money on AER

I am a long term Hertz fan and continue to support their brand whenever I rent a car. When I am not on corporate travel or otherwise covered by Travel insurance I refuse to pay for the rip-off $24/day AER charged by all Rental Car companies, instead I cover myself with this excellent product from Tripcover and Allianz.

Their service is great and the price is reasonable.

Insurance claim madeNo

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Questions & Answers

We will be hiring a 4WD from Hertz for a week in early July. Hertz says that if the vehicle is lost, stolen or damaged, we are responsible for: "the loss or damage to the vehicle; the Hertz Claims Management Fee and External Damage Assessment Fee; any towing and storage charges; loss of rental income; and other losses or expenses related to the incident". The accident excess amount on a 4WD hire is $6,000. Does Tripcover cover each of these types of claim up to the policy amount ($6,000)? We are particularly concerned about any loss of rental claim by Hertz while a vehicle is being repaired if an accident happens or the vehicle is damaged. Thank you.
3 answers
So if the car was stolen they would charge you $6000 and yes our policy covers this and other accidents. Their loss of use fee is not covered however.Thank you for your response. Your advice as to the full payout of $6,000 if the car was stolen is what I would have expected. My question was more directed to each element of what might be claimed by Hertz if the vehicle is damaged. Hertz would charge $50 per day to remove the risk of all of the elements I listed, which makes Tripcover’s premium of $21.56 per day look attractive (and is the reason for my enquiry), but only if Tripcover covers the same risks. Could you please let me know what the payout by Tripcover/Allianz would be in respect of each of the following components listed by Hertz if I took out a $6,000 excess policy with you, the vehicle was damaged and Hertz made the following claims against me: Repair of damage to the vehicle $2,000; Hertz Claims Management Fee and External Damage Assessment Fee $200; Towing and storage charges $1,000 (Northern Territory); Loss of rental income $2,400; and Other losses or expenses related to the incident $400. Thank you.Repair of damage to the vehicle $2,000; Yes Hertz Claims Management Fee and External Damage Assessment Fee $200; Not sure, unless it is part of the excess Towing and storage charges $1,000 (Northern Territory); Not sure, unless it is part of the excess Loss of rental income $2,400; and No Other losses or expenses related to the incident $400. No

Hi, Does Tripcover cover the deposit for the rental car? The car rental company already have my card details but can pay the deposit on the day, Will i still have to pay this deposit once covered by tripcover?
No answers

Hello - we are considering to rent a motorhome from Wilderness Ltd In New Zealand. Their deductible is NZD 7500 for each event (Per clause 26. of their insurance T&Cs Pate’s below). Does the TripCover / Allianz excess insurance provide coverage for multiple events during one rental? Please provide a link to the TripCover / Allianz T&Cs for a Motorhome rental in New Zealand (renter resident in Switzerland.). Best Regards, Ted Wilderness Motorhome Ltd. insurance T&Cs: 23. Any driver described in this agreement as a person permitted to drive the Vehicle is, subject to the exclusions set out below, is indemnified to the extent of NZ$1,000,000 in respect of any liability he or she might have for damage to any property (including injury to any animal) belonging to any person and arising out of the use of the Vehicle. 24. The Hirer’s liability will be for any loss or damage to the Vehicle, however caused, and for any consequential loss or damage, during the term of this hire, or during any authorized extensions to the term up to the applicable excess amount (Note >>> Basic is NZD 7500) 25. The Hirer is liable for payment of the applicable insurance excess in the case of damage to, or accidents involv- ing the Vehicle when the Hirer has not taken liability reduction insurance. On payment of the liability reduction insurance by the Hirer, the excess payable by the Hirer is reduced or eliminated depending on the liability reduc- tion option selected and subject to exclusions in clause 28. The Operator may make the applicable deduction from the Hirer’s credit card following notification of any loss or damage to the Vehicle. 26. In the event of any damage to a Vehicle or third party property, another bond shall be collected to cover the excess for any subsequent damage. 27. Where the total cost of a claim is less than the excess then the Hirer shall be liable to pay that lesser amount. 28. The Hirer acknowledges that the cover referred to in clause 22 will not apply when: (a) the Vehicle is driven by anyone not named or described in this agreement as a person permitted to drive the Vehicle; (b) the driver of the Vehicle is under the influence of alcohol or any drug; (c) the Vehicle is in an unsafe or unroadworthy condition, such condition arising during the course of the hire, that caused or contributed to the damage or loss, and the Hirer or driver was aware or should have been aware of the unsafe or unroadworthy condition of the Vehicle; (d) the Vehicle is wilfully or recklessly damaged or lost by the Hirer, a nominated driver, or a person under the Hirer’s authority or control including sitting or standing on the roof, driving on any beach or surface likely to damage the Vehicle or cause it to become bogged or trapped, driving through flooded areas, submersing in water, contacting salt water; (e) the fuel or freshwater tanks are contaminated (f) the Vehicle was operated outside the terms of this agreement or any agreed extension of this agreement.
1 answer
Not really Ted, the way it works is if you did have multiple events you would still only be covered up to the value of the policy.

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