Need to know
- There are big variations in car insurance cover for car rental
- While most comprehensive car insurance policies include some cover for a rental car after theft, some only offer a rental car after an accident for an additional fee
- CHOICE experts have compared 41 car insurance policies to help you find one that works for you
According to Budget Direct, a car is stolen every 13 minutes in Australia and nearly two in three Australian drivers have been involved in at least one car accident.*
If your car is stolen or needs to be put in for repairs, your insurer can help you pay for a rental car.
All comprehensive car insurance policies have some level of rental car cover. Sometimes it’s included in the policy and sometimes you can buy it as an optional add-on.
While some insurers include cover for a rental car until your claim is settled, others restrict it to a number of days, usually between 14 and 30 days, and often a capped amount per day between $50 and $100.
There are large differences between what cover is provided depending on whether:
- your car gets stolen
- you have an accident and are not at fault
- you have an accident and are at fault.
* According to research from Budget Direct in 2021.
Is rental car cover worth it?
When deciding which type of car insurance rental car cover will suit you, think about how long you could live without your car.
Do you need your car to get to work? Do you need your car for school/childcare drop-off or kids’ activities? Can you access a car through a car share network?
How long will it take to get your car back from the repair shop?
Repair times vary depending on the