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About Us

What is Car Rental Excess Insurance?

When a car is hired in New Zealand or Australia, insurance for damage, theft and third party liability are generally included in the car rental price. There is almost always an excess (also referred to as CDW, Super CDW, Non Waiver or Deductible) on the damage and theft insurance portions of the rental. It is this excess that the Tripcover Vehicle Rental Excess Insurance is covering up to $4000 or $6000 in excess liability.

Tripcover is a low cost car rental excess insurance alternative.

Frequent car renters in New Zealand would be aware of the sinking feeling you can get when reminded of the liability exposure of up to $6000 at the car rental desk, just before you pick up your rental. Their daily rate to reduce this excess can cost as much as the rental.

The Tripcover's Vehicle Excess Reduction Insurance policy starts at just $15NZD per day (as low as $12.19NZD over 15 days). Tripcover can finally provide the peace of mind alternative, at rates that will encourage more car rental customers to reduce their expensive liability. Use the Tripcover mobile site, anywhere, anytime (before pickup).

Our Cause

Tripcover's cause is to offer car rental customers the peace of mind that comes with having their car rental excess covered and not costing a fortune. Working with Allianz Global Assistance, we have used our combined experience in the car rental industry and travel insurance sector, to produce this car rental excess cover in the Australian market.

How Do We Manage This?

Our excess reduction policy was originally a travel insurance product, but now is specifically designed to ONLY cover your rental car excess and luggage. Tripcover now covers such incidents such as multi or single vehicle accidents (SVA), windscreens, tyres, wheels, lights, undercarriage & overhead damage.

This is reimbursement cover and means that in the In the event that the hire car is damaged the rental car company will charge your credit card for the excess, deductible or gap amount and you then claim this amount back from Allianz Global Assistance.

What Our Partner Allianz Global Assistance Says About Tripcover - September 2013

"Tripcover, is a dynamic and innovate force in the online travel insurance space. Taking on unchartered waters with a new product [standalone rental vehicle excess cover], sold in a new way [standalone insurance website, not integrated with car hire] has been a challenging undertaking, but one that Tripcover has taken on with determination. Tripcover has gone from strength to strength since launch and the company's focus on value and service for its customers is admirable".

Articles and Reviews on Car Rental excess Insurance .

This Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Patners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia). You should consider the Policy Wording before making any decisions about this travel insurance policy.

The Hollard Insurance Company Pty Limited – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice.
The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M.Best Company Inc.
The rating scale is:

A++, A+ (Superior)

A, A- (Excellent)

B++, B+ (Good)

B, B- (Fair)
C++, C+ (Marginal)

C, C- (Weak)

D (Poor)
E (Under Regulatory Supervision)

F (In Liquidation)

S (Suspended)






Further information on these ratings is available here.

An overseas policy holder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policy holders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.