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Drive with confidence knowing
Prosura paid 99%* of claims
Rental Vehicle Excess Travel Insurance
Don’t let unexpected costs derail your journey — find out how below.
Reduce your stress and add great cover, all at a great price — with excess insurance.
The excess on hire cars can range from $990 to $9,570 or more. If your hire car is damaged or stolen you’ll need to pay up to this amount (and sometimes more) to the hire car company. Prosura offers reimbursement cover for these expenses up to the benefit limit.
Prosura insurance policies generally provide more covered inclusions than excess reduction products sold by rental car companies, including expensive items like undercarriage, windscreen, tyres and single vehicle accidents.
Your peace of mind doesn’t need to cost the earth. Prosura policies are usually more affordable than the waivers sold at the rental car desk.
While most rental cars booked through VroomVroomVroom come fully insured, the excess — your potential out-of-pocket expense payable to the car rental company in case of damage or theft — can be substantial, meaning without protection, you could face thousands of dollars in unexpected costs, even for minor incidents.
Prosura Rental Vehicle Excess Travel insurance works in a similar fashion to other types of travel insurance — in return for a fee, Prosura provides remibursement cover for expenses you are required to pay to a rental provider if the vehicle is accidentally damaged or stolen.
The Prosura product is underwritten by Pacific International Insurance Pty Ltd, an Australian insurance company with more than two decades experience in building unique insurance offerings.
Prosura Rental Vehicle Excess Travel Insurance and excess reduction are similar but have some important differences:
Great value cover (up to $10,000) at a competitive price.
Offered by a third-party insurer (Pacific International Insurance Pty Ltd), not the rental car company.
Purchased before and independently of hiring your car.
Offers broad coverage for common — and often expensive — claims including windscreen damage, towing costs, undercarriage, single vehicle accidents, key loss, misfuelling, tyre damage and limited personal baggage.
Reimburses you for the rental company’s excess and other damage charges you have to pay to the rental company if the vehicle is damaged or stolen.
Includes cover for personal baggage (excluding valuables) up to $2,000.
Prosura Rental Vehicle Excess Travel Insurance terms, conditions and exclusions apply. Please read the product disclosure statement to make sure the product is right for you.
With excess insurance, you’re liable to pay the rental provider for the excess, but you can claim this amount back under your Prosura Rental Vehicle Excess Travel Insurance policy.
Including Collision Damage Waiver and Damage Liability Fees
Can be expensive (particularly for rental journeys of more than a few days) for limited coverage (i.e. the car rental company’s excess fee).
Offered by the rental car company and is not an insurance product.
Offered for sale at the rental counter when you pick up your hire car.
May exclude common — and often expensive — damages including windscreen damage, towing costs, undercarriage, single vehicle accidents, key loss, misfuelling and tyre damage.
May offer increasing levels of excess reduction (and fewer exclusions) at higher prices, with only the most expensive option eliminating the excess.
Reduces (or removes, depending on the product) the excess amount you have to pay to the rental company if there's a claim.
Excess reduction products vary. Please review the limits, inclusions, exclusions and other terms and conditions of a waiver product offered to you by the car rental company.
With excess reduction, your liability to pay the rental provider for covered damages is capped at the level of excess you purchase. You might still be liable for additional surcharges or repairs for excluded damages.
In the world of car rentals, trust is paramount. That’s why VroomVroomVroom has carefully chosen to offer our customers Prosura insurance products.
We believe in offering our customers not just great deals, but also unparalleled protection and peace of mind.
For a competitive daily fee, Prosura’s comprehensive excess insurance dramatically reduces or eliminates your financial risk. This means peace of mind throughout your rental period, knowing you’re protected from hefty charges in the event of the unexpected.
Unlike standard rental desk add-ons, which often come with small-print exclusions and big costs, Prosura offers transparent and extensive coverage — all for a great price.
Extensive coverage
Competitive daily rates
Cancellation protection
Lost keys and misfueling
Excess cover up to $10,000
Personal baggage protection
Easy online purchase process
Single vehicle accidents covered
Coverage for roadside assistance
Windscreen and tyre damage protected
Bumpers, overhead and undercarriage damage
Regulated insurance product with consumer protection
Prosura’s impressive 99%* approved claims rate speaks volumes about our commitment to your security and satisfaction.
With Prosura, you’re not just buying insurance — you’re investing in a worry-free rental experience.
Hemi.
June 2023
I have purchased a few policies with Prosura now and I haven’t had any issues at all. Reading through the emails explains how it all works nice and clearly. I will purchase again when I hire cars.
Amii.
February 2025
I had such a great experience with these guys. They are extremely helpful, prompt in answering, and they make the whole process go smoothly. Thank you so much. I'd definitely recommend you and use your services again.
John N.
June 2024
I took out a policy to cover a rental in Tassie. We unfortunately struck a wild kangaroo causing a considerable amount of damage. I contacted prosura and they were very courteous and professional putting my mind at ease answering all the questions I had for them. The claim process upon returning was simple enough prodivded you have all the documentation from the rental company, reimbursement was in my bank account within 1 day once it was approved and banking details provided.
Overall very happy with their services and would recommend them to anyone. I will definitely be using them again for my next rental.
Alvin K.
January 2024
I had chanced upon Prosura while renting a car on Vroom website. And indeed, we needed to make a claim when we damaged the rental car. Bernie was extremely helpful and informative when I spoke to her on how to make a claim.
The process was relatively quick once you have all the documents submitted to make a claim. My claim was paid out within a week of the approved claim. I would recommend Prosura to anyone renting a car for their policy prices and fuss free claim processes.
Add Prosura to your booking today and drive with confidence, knowing you’re backed by a trusted name in rental car excess insurance. With Prosura Rental Vehicle Excess Travel Insurance, you’re not just renting a car — you’re securing a stress-free journey.
Please bear in mind that Prosura Rental Vehicle Excess Travel Insurance policies will not cover vehicles which weigh more than 4.5 tonnes and which cannot be driven with a standard drivers licence, and they also won’t be suitable for you if you are unable to first pay the expenses to the rental provider and then claim reimbursement under your Prosura policy.
Any advice provided by VroomVroomVroom is general and does not take into account your objectives, financial situation or needs. Full product inclusions, coverage limits, exclusions, terms and conditions are outlined in the Product Disclosure Statement (PDS). Before making a decision whether or not to purchase insurance, please consider your own personal circumstances, the terms and conditions specified in the PDS and the product's Target Market Determination.
*99.02% of submitted claims under Prosura Rental Vehicle Excess Travel Insurance policies were approved during the period 1 July 2023 to 30 June 2024. Withdrawn and duplicate claims have been excluded from this calculation.
For rentals in Australia, or for Australian residents travelling in foreign countries
VroomVroomVroom is an Authorised Representative (001280762) of Prosura Pty Ltd ABN 59 638 142 720, Australian Financial Services Licence Number 530275 (‘Prosura’). Prosura has been authorised by Pacific International Insurance Pty Ltd ABN 83 169 311 193 (‘Pacific’) to enter into policies and deal with them, as the agent of the insurer. Prosura Rental Vehicle Excess Travel Insurance Products are issued by the insurer, Pacific. VroomVroomVroom does not act as your agent. Any advice provided by VroomVroomVroom is general and does not take into account your objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement and Financial Services Guide and the Target Market Determination. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details.
For rentals in New Zealand by all residents (except for Australian residents)
We do not provide financial advice and do not make any recommendations or representations about the superiority or suitability of this product. You should consider obtaining independent advice before making any financial decisions. We will receive a commission if you choose to purchase a policy via this website. Prosura Rental Vehicle Excess Insurance is underwritten by Pacific International Insurance Pty Ltd NZBN9429041356500, FSP394846 (‘Pacific’). You should consider the Policy Wording before making any decisions about this insurance policy. Terms, conditions, limits, and exclusions apply. For information regarding Pacific's financial strength and solvency, please visit https://www.pacificins.co.nz/financial-strength-solvency. Pacific is regulated by the Reserve Bank of New Zealand (RBNZ).
