Important: This Product Disclosure Statement (PDS) contains information about the Rental Shield Rental Car Excess Insurance product. Please read it carefully before making a decision to purchase. Keep a copy for your records.
Rental Shield Rental Car Excess Insurance is a reimbursement product designed to cover the excess and other charges that a rental car company may impose on you following accidental damage to, or theft of, a rental vehicle during your rental period.
This product is not a comprehensive motor vehicle insurance policy. It is specifically designed to reimburse you for the costs the rental car company charges you as a result of a covered event.
This product is provided by:
Rental Shield
ABN: 19 686 732 043
Level 25/6 Parramatta Sq, Parramatta NSW 2150
Email: info@rentalshield.com.au
This product is available to individuals who:
This product does not cover vehicles rented via peer-to-peer or private sharing platforms.
All Rental Shield plans provide:
Up to $100,000 maximum cover per policy · $0 policy excess on eligible claims · All authorised drivers on the rental agreement are covered
The coverage amount represents the maximum we will pay across all claims under a single policy.
| Coverage Item | Essential | Premium | Ultimate |
|---|---|---|---|
| Collision damage | ✓ | ✓ | ✓ |
| Theft of vehicle | ✓ | ✓ | ✓ |
| Windscreen & glass | ✓ | ✓ | ✓ |
| Tyres, undercarriage, keys | ✓ | ✓ | ✓ |
| Admin & processing fees | ✓ | ✓ | ✓ |
| Towing costs | ✓ | ✓ | ✓ |
| All authorised drivers | ✓ | ✓ | ✓ |
| $0 policy excess | ✓ | ✓ | ✓ |
| Headlights, mirrors & lights | — | ✓ | ✓ |
| Roof & hail damage | — | ✓ | ✓ |
| Door dents & panel damage | — | ✓ | ✓ |
| Misfuelling damage | — | ✓ | ✓ |
| Overseas rentals | — | ✓ | ✓ |
| Priority claim processing | — | ✓ | ✓ |
| Premium & luxury vehicles | — | — | ✓ |
| Full interior damage | — | — | ✓ |
| Scratch & cosmetic paint | — | — | ✓ |
| Single vehicle rollover | — | — | ✓ |
| Water & flood damage | — | — | ✓ |
| 24/7 priority claims support | — | — | ✓ |
| Dedicated claims manager | — | — | ✓ |
The base daily rate applies to standard car rentals. Additional daily surcharges apply for other vehicle types to reflect the higher risk profile:
| Vehicle Type | Daily Surcharge | Covered Vehicles |
|---|---|---|
| Car | +$0.00 | Standard sedan, hatchback, wagon, people mover |
| Campervan | +$3.00 | Self-contained campervans, combo vans |
| Motorhome / RV | +$4.00 | All licensed motorhomes, RVs |
| Bus / Small Coach | +$5.00 | Minibuses, 12–25 seat coaches |
| 4x4 | +$6.00 | 4WD SUVs, utes, off-road capable vehicles |
All vehicles must be under 4.5 tonnes GVM (Gross Vehicle Mass). Larger vehicles may require specific approval.
Your policy covers the period between the pickup date and return date specified when purchasing your policy. Coverage begins at the time you collect the rental vehicle and ends when you return it to the rental company.
If your rental period extends beyond your policy end date, you must purchase additional coverage before your current policy expires. Events occurring outside the policy period are not covered.
Subject to the terms of your chosen plan, Rental Shield will reimburse you for the following charges levied by the rental car company as a result of a covered event during your rental period:
The following are excluded from all Rental Shield policies:
We may request additional documentation or information to verify your claim. Failure to provide requested information within 14 days may result in your claim being declined.
Maximum coverage: $100,000 AUD per policy. This is the maximum total amount payable across all claims under a single policy.
Excess: $0 (zero). You pay no excess when making a claim under any Rental Shield plan.
Payment: Claims are paid as a reimbursement — you must first pay the rental company, then we reimburse you upon claim approval.
Your cooling-off period runs for 14 days from the date of purchase, or until your rental period begins, whichever happens first. Cover you have already had the benefit of cannot be returned, so once your rental period starts the cooling-off period has ended.
Within that period you may cancel your policy and receive a full refund of the premium paid, provided that:
For short policies bought on or close to the pickup date, this means the cooling-off period may be very short or may not arise at all.
This is your primary entitlement to a refund under this policy. Refunds outside this period are dealt with in Section 14.
To exercise your cooling-off rights, contact us at info@rentalshield.com.au.
Within the cooling-off period: Refunds are available as set out in Section 13.
Outside the cooling-off period: You may cancel your policy at any time, and cover will end from the date of cancellation. Premiums are not refundable outside the cooling-off period. This applies to policies cancelled after the 14-day period, rentals that are shortened or returned early, and rentals that are not taken up.
After a claim: Policies under which a claim has been lodged or paid are not eligible for a refund.
Cancellation by us: We may cancel your policy where false or misleading information has been provided, or where we reasonably suspect fraud. No refund is payable in these circumstances.
To cancel, contact us at info@rentalshield.com.au. Where a refund is payable it is returned to the original payment method and usually appears within 5–10 business days.
If you have a complaint about our products or services, please contact us:
If you are not satisfied with our response, you may escalate your complaint to:
Rental Shield
ABN: 19 686 732 043
Level 25/6 Parramatta Sq, Parramatta NSW 2150
Email: info@rentalshield.com.au
Website: rentalshield.com.au