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Common exclusions found in most New Zealand rental car, Motorhome and Campervan hire agreements.
Your insurance will not cover you if -
(a) The driver of the vehicle is under the influence of alcohol or any drug that affects his ability to drive the vehicle;
(b) The vehicle is in an unsafe or un-roadworthy condition that arose during the course of the hire and that caused or contributed to the damage or loss, and the hirer or driver was aware or ought to have been aware of the unsafe or on-roadworthy condition of the vehicle;
(c) The vehicle is operated in any race, speed test, rally, contest.

(d) The hirer is not a body corporate or department of State and the vehicle is driven by any person not named in the hire agreement.

(e) The vehicle is driven by any person who at the time when he/she drives the vehicle is disqualified from holding or has never held a driver's licence appropriate for that vehicle.

(f) The vehicle is willfully or recklessly damaged by the hirer or any other person named in your hire agreement or driving the vehicle under the authority of the hirer, or is lost as a result of the willful, careless or reckless behaviour of the hirer or any such person.

(g) Operate the vehicle or permit it to be operated for the transport of more than the number of passengers or more than the weight of goods specified in the certificate of loading for the vehicle.

Insurance excess common policies found in many New Zealand hire car or motor home hire companies.

Vehicles are insured for any damage to the vehicle or to the property of a Third Party. The hirer is responsible for the “the excess” being the first, usually, $2,000 of the cost of damage to Third Party property or to the rented vehicle, including single vehicle accident, windscreen and tyre damage and underbody damage, towing and recovery costs, theft, fire, break-in or vandalism. This also includes the cost of the daily rental for the period the vehicle is off fleet for accident repairs (demurrage). The excess applies in respect of each claim, not rental. Please check your rental car or motor home hire companies policy as this amount varies. If a replacement vehicle is required then any cost for the relocation will be at the
hirers expense.

The excess is applicable regardless of who is at fault and must be paid at the time the accident report is completed, or at the completion of the rental, whichever occurs first. The excess will be refunded to the hirer if company is successful in recovering the cost. This $2,000 excess can be reduced, in most circumstances, by the purchase of a Excess Reduction Option or Accident Damage Waiver. Please note that it is common for New Zealand hire car companies to exclude drivers under the age of 25 years for being eligible to purchase accident damage waiver. Many budget priced hire car or motor home rental companies do not offer a waiver policy.