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| australia rv rental insurance: KEA
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| All KEA's
Australia camper rentals include liability insurance (i.e. third party insurance).
The KEA camper rentals also include collision and comprehensive insurance.
All these aspects of the included insurance inhere a deductible
(a.k.a. excess, applicable no matter who is at fault) of AUD 7500, but
clients can reduce this figure to either AUD 2000 or all the way to zero
by purchasing one of two optional damage waivers (a.k.a. excess reductions):
Both these damage waivers also have positive effects in terms of the
security deposit due to KEA upon the pick-up occasion: the default security deposit is
AUD 7500 to be actually debited, i.e. charged, to a credit card (namely Visa, MasterCard or American Express)
or accepted in terms of cash or traveler's check; damage waiver 1 reduces this amount
to AUD 2000 and entails a mere imprint of a credit card rather than an actual debit, cash or traveler's check;
damage waiver 2 reduces the amount to AUD 500. If a credit card is used to place such deposit,
the card holder must be present upon the pick-up
occasion and is jointly and severally liable for any damage to the
rental vehicle. Generally the security deposit is refundable
on return of the vehicle to the agreed location, on the agreed date,
with no damage incurred to the vehicle or third party property and
with the toilet cassette and waste water tank emptied and no items
lost or damaged. In case of any damage to the KEA Campers vehicle
or third party property a second security deposit will be collected
by KEA Campers to cover the deductible for any subsequent damage.
Of course as is generally the case in the auto insurance industry,
the insurance deductibles apply per occurrence, i.e. per accident/incident.
The term comprehensive above signifies
vehicular damage due to vandalism, fire, theft of the vehicle, break-in, and weather,
as well as towing and recovery costs — but not,
except as otherwise noted,
damage to the vehicle's windowshield, tires, roof, undercarriage and damage to the vehicle due to single-vehicle roll over or tilt.
Importantly this term also signifies the cost of the daily rental for the duration the vehicle
is off fleet for accident repairs (demurrage); which is to say, this cost
is considered a damage.
The deductible/excess is applicable no matter who is at fault;
but if the client is shown to be not at fault
and KEA is successful in recovering damages from the other party, the
client will be refunded appropriately
(although such process can take several months).
Exclusions:
breakdown cover and repairs
For starters, the fleet of vehicles is modern and frequently upgraded,
the average age of a vehicle normally being less than 1 year.
All the vehicles do include roadside service nationwide,
accessible from 8:00 to 20:00 (8:00 pm)
by way of tel. 0800 252 556
(toll free).
Any problems associated with the vehicle, including equipment failure,
should be reported to KEA
as soon as possible within 24 hours, this to give KEA the
opportunity to rectify the problem without delay. Failure to report
as such will compromise any client claims for compensation;
Kea does not accept liability for claims submitted after this duration.
Repairs costing up to AUD 100 may be effected without
authorization from
Kea and will be appropriately reimbursed if the client provides the repair receipt
to KEA. For amounts estimated over AUD 100, the
client should obtain authorization from KEA. Receipts relating to
any repair should be submitted to KEA.
Warning
Although motor travel in New Zealand is not
generally considered prohibitively dangerous, there are, of course,
associated risks — including death. For quantitative measures
of these risks, please see the Association for Safe International Road Travel (ASIRT)
http://www.asirt.org.
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