Protection Packages
Our lowest cost and widest scope of insurance cover gives you Australia’s best rental car insurance protection packages, delivered through expert knowledge of both car insurance and car rental matters.
We are proud to offer you the lowest cost and widest scope of rental car insurance cover. With Family Car Rentals, you can control the amount of money that you spend and the risk that you take by choosing the rental car excess reduction package that most suits your needs. The difference between our various insurance protection packages is essentially the risk (excess) that you bear, except that MaxiSafe Plus includes a ZERO Excess cover for Glass, Wheels, Tyres and Lower Body Panel Damage and also includes free blameless roadside service for matters that are normally considered to be “driver at fault”.
Family Car Rentals offer three Liability Limitation Insurance Protection Packages in respect of Loss of, Damage to, and Damage to other property caused by the Rental Vehicle. Plus all Protection Packages include Roadside Assistance (wherein the vehicle has suffered a mechanical breakdown). Additional Protection packages are available for Premium Roadside Assistance (where the problem is where the failure is caused by the actions or inactions of the Renter) and Glass, Wheels, Tyres and Lower Body Damage.
Insurance Protection Packages
MaxiSafe Plus Insurance Excess
Zero Excess
Our ZERO Excess option with blameless roadside service. Complete peace of mind.
This is our complete peace of mind package, eliminating all responsibility for insured matters, PLUS it also includes free blameless roadside service for matters that are normally considered to be “driver at fault”and for Glass, Wheels, Tyres & Lower Body Panel Damage. MaxiSafe Plus reduces your liability by 100% to $0 for both "normal" rental cars and people movers.
MaxiSafe Insurance Excess
Zero Excess
Our ZERO Excess option eliminating 100% of your standard excess liability.
This Package includes our 24/7 FREE Roadside Assistance for mechanical failure of the vehicle; “driver error” events not covered but can be added at an extra cost. There is an "opt in" option to include Glass, Wheels & Tyres, plus Lower Body Damage. For drivers aged between 25-79 years MaxiSafe reduces your liability by 100% to $0 for both "normal" rental cars and people movers.
EconoSafe Insurance Excess
Low Risk
Our LOW risk low cost option eliminating 90% of your standard excess liability.
For drivers aged between 25-79 years EconoSafe reduces your liability by 90% to $330 for "normal" rental cars and $440 for people movers. This Package includes our 24/7 FREE Roadside Assistance for mechanical failure of the vehicle; “driver error” events not covered but can be added at an extra cost. There is an "opt in" option to include Glass, Wheels & Tyres, plus Lower Body Damage.
Standard Insurance Excess
High Risk
Our free undertaking to protect you against calamitous claims.
This is automatically included in all of our car rental packages, reducing your liability to between $3,300 and $4,950 depending on vehicle selection and driver age. For drivers aged between 25-79 years your liability is reduced from unlimited to $3,300 for "normal" vehicles and $4,400 for people movers. This Package includes our 24/7 FREE Roadside Assistance for mechanical failure of the vehicle; “driver error” events not covered but can be added at an extra cost. There is an "opt in" option to include Glass, Wheels & Tyres, plus Lower Body Damage.
Additional age excesses apply for 19-20yr drivers; 21-24yr drivers and 80+yr drivers (see table below).
Our online quotes will inform you of the cost of each of the three choices available to you. Drivers 19-20 years and over 80 years cannot get online quotes, they must contact us by phone during our office hours or use our contacts page to request us to call them back.
Our fleet is insured under insurance policy number FLE23028985A issued by Insuret Pty Ltd ABN 42 126 793 379, being the Rental Car Insurance specialist representative of the underwriter; The Hollard Insurance Company Pty Ltd ABN 78 090 584 473.
Our customers are afforded the protection that our fleet policy provides, up to a limit of $40million for any one claim, subject to the conditions contained in the insurance policy and compliance at all times with both the insurance policy requirements and with our Terms and Conditions of Rental.
Insurance Cover Inclusions
All Packages
All of our Insurance Cover Packages include:
- Damage caused to or loss of the Rental Vehicle and damage caused by the Rental Vehicle during the rental term (unless such damage or loss is excluded under our Terms and Conditions of Rental)
- Costs incidental to losses or costs mentioned above, including towing, recovery costs, assessing costs and claims administration fees
- Demurrage - our lost rental income when our car is being repaired and third party temporary vehicle replacement if you are in the wrong
- Limit of cover up to $40 million for any one incident
- 24 hour Roadside Assistance in the event of mechanical breakdown of our Rental Vehicle (this facility may be provided by our own staff or by contracted agencies)
- Reimbursement of reasonable Taxi or Uber costs to get back to your accommodation, or
- Up to $200 necessary emergency accommodation due to vehicle mechanical failure
MaxiSafe Plus
In addition MaxiSafe Plus provides Roadside Assistance for matters such as:
- Flat battery from any cause
- Out of fuel – up to 10 litres of fuel supplied
- Keys lost or locked in the car
- Changing a punctured tyre
- Extension of emergency transportation or accommodation costs protection to include matters shown above
MaxiSafe Plus also provides ZERO Excess cover for Glass, Wheels, Tyres and Lower Body Panel Damage
Roadside Assistance
This is a “best endeavours” service potentially providing 24 hour roadside service in the event of mechanical breakdown of our Rental Vehicle (this facility may be provided by our own staff or by contracted agencies). There may well be instances where the Vehicle cannot be repaired “at roadside” because of the nature of the fault, or the non-availability of components or spare parts, or indeed the availability of appropriate personnel. This service is provided free to our customers where the mechanical fault is not because of the actions or inactions of the driver and will include necessary towing of the vehicle and will provide reasonable financial assistance to the Renter for repatriating the rental party to their accommodation, or providing up to $200.00 for temporary overnight accommodation.
Roadside Assistance service is only available within Permitted Usage Zones.
Roadside Assistance is restricted in Permitted Usage Zones outside of the Greater Gold Coast area, temporary replacement vehicles will not be provided when the required service is outside of the Greater Gold Coast area.
Premium Roadside Assistance
This is also a “best endeavours” service potentially providing 24 hour roadside service in the event of assistance being required as a result of failure of the Driver.
This service embraces our Roadside Assistance package but widens the cover to include the following items:
- Flat battery from any cause
- Out of fuel – up to 10 litres of fuel supplied
- Keys lost or locked in the car
- Changing a punctured tyre
In order to have this protection, the Renter must either select Premium Roadside Assistance or select our MaxiSafe Plus Protection Package as their Liability Limitation (insurance) package.
Glass, Wheels, Tyres and Lower Body Damage
This package protects you with a ZERO excess on the following items, which do not form a part of our standard Liability Limitation (insurance) packages.
This package covers:
- Damage caused to body panels, tyres, wheels, suspension, exhaust system or chassis of the vehicle, resulting from hitting low lying obstructions such as kerbs or gutters and garden walls, other than as a result of a collision with another motor vehicle, which is already covered in the relevant Insurance Protection package you have chosen.
- Damage to glass or plastic components such as front and rear screens; door windows; headlights; taillights; turning indicators; external or internal mirrors other than a result of a collision with another vehicle or with any object with a height above the bottom level of either the front or rear screens.
In order to have this protection, the Renter must either select Glass, Wheels, Tyres and Lower Body Damage or select MaxiSafe Plus as their Liability Limitation (insurance) package.
Insurance Exclusions (what we don't cover)
Matters that are universally excluded from motor vehicle insurance policies:
- Driving in contravention of drug, medication or alcohol laws
- Vehicle stolen whilst the vehicle was unlocked or keys were not kept secure
- Premeditated dangerous acts such as “burn outs”; “running a red light”; excessive speed; attempted negotiation of flooded causeways, roads, bridges or streams
- Damage caused deliberately or recklessly by any occupant of the vehicle
- Damage caused by the use of the incorrect grade or type of fuel
- Abandonment of the vehicle; excessive number of passengers
- Attempted negotiation of space narrower than 60cms wider than the vehicle or lower than the roof line of the vehicle
- Lawful seizure, war, riots strikes or civil commotion, carrying dangerous goods
Matters that are specific to our Rental Car arrangements:
- Vehicle being driven by other than an authorised driver
- Vehicle being driven outside of any authorised Usage Zone
- Vehicle being driven after the documented rental return date and time
- Vehicle being driven on unsealed roads, other than roads under repair or private driveways to accommodation locations
- Damage caused by the vehicle being driven at speeds that are excessive considering the road surface quality.
- Damage caused to body panels, tyres, wheels, suspension, exhaust system or chassis of the vehicle, resulting from hitting low lying obstructions such as kerbs or gutters and garden walls, other than as a result of a collision with another motor vehicle (excluded unless you accept a protection package which includes Glass, Wheels, Tyres and Lower Body Damage Protection).
Fair Wear and Tear
Fair Wear and Tear recognises that some minor damage is inevitable and that the cost of rectification (if any) should be borne by the Owner, not the Renter.
Fair Wear and Tear exists for:
Body panels other than the roof, engine bonnet, boot lid or tailgate. The following are examples of Fair Wear and Tear.
- Isolated Dents, other than hail damage, which are under 20mm in diameter and do not involve damage to the paint surface.
- Scratches less than 20mm in length and 2mm in width which can be polished out.
- Cosmetic damage not affecting the functionality of keys, equipment or accessories.
Vehicle Interior scuffing or smears, which can reasonably be managed by vacuum or general cleaning; but any excessive dirt, sand or debris, or stains, pet hair, or unpleasant odours requiring intensive efforts for removal are not Fair Wear and Tear.
There is no Fair Wear and Tear for:
- Glass (front and rear screens, door windows; headlights; taillights; Turning indicators; external or internal mirrors).
- Tyres
- Wheels or Wheel trims, except for light scratches and scuffing up to 20mm in length.
Protection Package Comparison
| |
MaxiSafe Plus1 |
MaxiSafe2 |
EconoSafe3 |
Standard4 |
| Insurance Excess Exposureinfo |
$ZERO |
$ZERO |
$330 or $440 |
$3,300 or $4,400 |
| Excess Reductioninfo |
100% |
100% |
90% |
No Reduction |
| Security Bondinfo |
$100 |
$100 |
$330 or $440 |
$3,300 or $4,400 |
| 24/7 FREE Roadside Assistanceinfo |
check |
check |
check |
check |
| 24/7 PREMIUM Roadside Assistanceinfo |
check |
close |
close |
close |
| Protection for Glass, Wheels, Tyres and Lower Body Damageinfo |
check |
close |
close |
close |
Quoted amounts above based on Drivers 25-79 Years
Insurance Excess Choices
| DRIVERS 25-79 YEARS |
DRIVERS 21-24 YEARS |
DRIVERS 19-20 YEARS |
DRIVERS 80+ YEARS |
MaxiSafe Plus Excess - Zero Excess PLUS Added Benefits
100% insurance excess reduction to ZERO, 24/7 PREMIUM Roadside Assistance, EXTRA Protection for Glass, Wheels, Tyres and Lower Body Damage.
|
| Normal Vehicles (Maximum Liability) |
| People Movers & Exotics (Maximum Liability) |
| $30.50 |
$35.00 |
$35.00 |
$30.50 |
| Additional per day for days 2-7 inclusive |
| $12.50 |
$15.75 |
$15.75 |
$12.50 |
| Additional per day for days 8-14 inclusive |
| $9.00 |
$12.25 |
$12.25 |
$9.00 |
| Additional per day for days 15-21 inclusive |
| $7.50 |
$10.50 |
$10.50 |
$7.50 |
| Additional per day for days 22-28 inclusive |
| Additional per day for days 29+ inclusive |
MaxiSafe Excess - Zero Excess
100% insurance excess reduction to ZERO, 24/7 FREE Roadside Assistance for mechanical failure of the vehicle; “driver error” events not covered.
|
| Normal Vehicles (Maximum Liability) |
| $0.00 |
$165.00 |
$440.00 |
$330.00 |
| People Movers & Exotics (Maximum Liability) |
| $0.00 |
$220.00 |
$N/A |
$440.00 |
| $27.50 |
$27.50 |
$27.50 |
$27.50 |
| Additional per day for days 2-7 inclusive |
| Additional per day for days 8-14 inclusive |
| Additional per day for days 15-21 inclusive |
| Additional per day for days 22-28 inclusive |
| Additional per day for days 29+ inclusive |
EconoSafe Excess - Low Risk
90% insurance excess reduction, 24/7 FREE Roadside Assistance for mechanical failure of the vehicle; “driver error” events not covered.
|
| Normal Vehicles (Maximum Liability) |
| $330.00 |
$385.00 |
$660.00 |
$550.00 |
| People Movers & Exotics (Maximum Liability) |
| $440.00 |
$495.00 |
$N/A |
$660.00 |
| $25.50 |
$25.50 |
$25.50 |
$25.50 |
| Additional per day for days 2-7 inclusive |
| Additional per day for days 8-14 inclusive |
| Additional per day for days 15-21 inclusive |
| Additional per day for days 22-28 inclusive |
| Additional per day for days 29+ inclusive |
Standard Excess - High Risk
No insurance excess reduction, 24/7 FREE Roadside Assistance for mechanical failure of the vehicle; “driver error” events not covered.
|
| Normal Vehicles (Maximum Liability) |
| $3300.00 |
$3850.00 |
$N/A |
$3300.00 |
| People Movers & Exotics (Maximum Liability) |
| $4400.00 |
$4950.00 |
$N/A |
$4400.00 |
| Automatically included in Vehicle Hiring Fees |
Insurance Cover Options
| DRIVERS 25-79 YEARS |
DRIVERS 21-24 YEARS |
DRIVERS 19-20 YEARS |
DRIVERS 80+ YEARS |
Premium Roadside Assistance
Extension of our free Roadside Assistance package to include “driver error” matters, including running out of fuel; battery failure from any cause; keys lost or locked in car; changing a flat tyre.
|
| Additional per day for days 2-7 inclusive |
| Additional per day for days 8-14 inclusive |
| Additional per day for days 15-21 inclusive |
| Additional per day for days 22-28 inclusive |
| Additional per day for days 29+ inclusive |
Extra Damage Cover
ZERO Excess cover for Glass, Wheels, Tyres and Lower Body Damage for incidents not involving a collision with another vehicle (which is covered under the Protection Package).
|
| Additional per day for days 2-7 inclusive |
| Additional per day for days 8-14 inclusive |
| Additional per day for days 15-21 inclusive |
| Additional per day for days 22-28 inclusive |
| Additional per day for days 29+ inclusive |
Premium Roadside Assistance AND Extra Damage Cover
Extension of our free Roadside Assistance package to include “driver error” matters, including running out of fuel; battery failure from any cause; keys lost or locked in car; changing a flat tyre. ZERO Excess cover for Glass, Wheels, Tyres and Lower Body Damage for incidents not involving a collision with another vehicle (which is covered under the Protection Package).
|
| Additional per day for days 2-7 inclusive |
| Additional per day for days 8-14 inclusive |
| Additional per day for days 15-21 inclusive |
| Additional per day for days 22-28 inclusive |
| Additional per day for days 29+ inclusive |
Family Car Rentals
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