By accessing, browsing, or using the Rental Shield website (rentalshield.com.au) and purchasing any of our rental car excess insurance products, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
These terms constitute a legally binding agreement between you ("the Customer", "you") and Rental Shield ("we", "us", "our"), ABN 19 686 732 043.
Rental Shield provides rental car excess insurance to individuals renting vehicles from licensed rental car operators in Australia. Our service reimburses you for the rental car excess and certain other costs charged by the rental company following an incident during your rental period.
We offer three coverage tiers — Essential, Premium, and Ultimate — each providing up to $100,000 maximum cover with $0 policy excess on eligible claims. Full details of what each plan covers are available on our Coverage page and in our Product Disclosure Statement.
To purchase a policy from Rental Shield, you must:
Every Rental Shield policy includes the following as standard, regardless of the plan selected:
In addition to Essential coverage, the Premium plan also covers:
In addition to Premium coverage, the Ultimate plan also covers:
Base daily rates apply to standard car rentals. Additional daily surcharges apply for other vehicle types:
All prices are quoted in Australian Dollars (AUD) and are inclusive of GST where applicable. Your total premium is calculated based on: your chosen plan, vehicle type, and rental duration (number of days).
Payment is processed securely via Stripe. We accept Visa, Mastercard, and American Express. Your payment details are never stored on our servers — they are encrypted and handled entirely by Stripe (PCI DSS Level 1 compliant).
Your policy is issued immediately upon successful payment and delivered to the email address provided at checkout.
Cooling-off period: Your cooling-off period runs for 14 days from the date of purchase, or until your rental period begins, whichever happens first. Within that period you may cancel and receive a full refund of the premium paid, provided your rental period has not commenced and no claim has been lodged. For policies bought on or close to the pickup date, this period may be very short or may not arise at all.
Outside the cooling-off period: Premiums are non-refundable. This includes policies cancelled after the 14-day period has ended, policies where the rental period has commenced, 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 refund, including during the cooling-off period.
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 request a cancellation, contact us at info@rentalshield.com.au. Refunds are returned to the original payment method and usually appear within 5–10 business days.
Nothing in this section limits any rights you have under the Australian Consumer Law or the Insurance Contracts Act 1984 (Cth) that cannot lawfully be excluded.
As a Rental Shield policyholder, you must:
Your Rental Shield policy does not cover:
Rental Shield's maximum liability under any policy is limited to the coverage amount stated in your policy (up to $100,000 AUD). We are not liable for any indirect, consequential, or incidental damages, including loss of income, travel costs, accommodation costs, or any other expenses beyond the rental car excess and covered charges.
Our service is a reimbursement product. We reimburse you after you have paid the rental company. We do not act as a substitute for the rental company's own insurance or liability obligations.
All content on the Rental Shield website — including text, graphics, logos, icons, images, and software — is the property of Rental Shield and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works from any of our content without our prior written consent.
We reserve the right to terminate or suspend your account and refuse any current or future use of our services if you breach these Terms and Conditions, provide false or misleading information, or engage in fraudulent activity.
If you have a dispute regarding your policy, claim, or our services, please contact us at info@rentalshield.com.au. We will endeavour to resolve all complaints within 10 business days.
If we are unable to resolve the dispute to your satisfaction, you may escalate the matter to the relevant consumer protection authority in your state or territory, including the Australian Competition and Consumer Commission (ACCC).
These Terms are governed by the laws of New South Wales, Australia.
We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our services after changes have been posted constitutes acceptance of the revised terms.
Material changes that affect existing policyholders will be communicated via email.
Rental Shield
ABN: 19 686 732 043
Level 25/6 Parramatta Sq, Parramatta NSW 2150
Email: info@rentalshield.com.au