Westpac Black Travel Insurances, Rental Car Excess

So I am travelling to Sydney at the end of Jan and hiring a car to head out to the Blue Mountains again (mumbles something about lucky MsKeggs).

Rather than purchasing excess insurance through the hire company I was hoping to use the Westpac Black Insurances that come with the card. Reading through the T&C some of the listed insurances require say $500 spend on things before you are covered. However with the interstate rental car excess insurance they provide there doesn't seem to be any spending requirement. So if I am reading this correctly you are just covered provided you meet all the other requirements?

Page 53, https://www.westpac.com.au/content/dam/public/wbc/documents/...

Requirements are:

  • the rental vehicle was rented from a licensed rental
    agency; and
  • the hiring agreement incorporates the rental vehicle
    insurance; and
  • you comply with all the requirements of the rental
    organisation under the hiring agreement and of the rental
    vehicle insurance.

We will not pay for…
We will not pay for your costs arising from:

  • loss or damage resulting from the operation of the rental
    vehicle in violation of the terms of the rental agreement;
    or
  • wear and tear, gradual deterioration, damage from
    insects or vermin, inherent vice or damage; or
  • driving the rental vehicle on non-public roads

Edit. For those that say call WBC and ask, I have done that before but the 3 people I got transferred to (for another query about insurance) had no idea and just told me to read the T&C.

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Comments

  • +1 vote

    It appears to be that way. I understand your concern as it doesn't sound right. I would have thought they'd require you to at least buy your domestic airfare with the card.

    •  

      Yeah, exactly. How can it be they just provide insurance for having the card, not even required to spend anything or register or do anything with it haha?

    •  

      Requirements are:
      the rental vehicle was rented from a licensed rental
      agency

      What's a licensed rental agency ?

      Mechanic we know, bought some cars & started renting them. No licensing required, AFAIK. Also no travel agency licensing anymore in Australia.

    •  

      you quote

      Requirements are:
      the rental vehicle was rented from a licensed rental
      agency

      What's a licensed rental agency ?

      Mechanic we know, bought some cars & started renting them. No licensing required, AFAIK. Also no travel agency licensing anymore in Australia.

  •  

    I thought these types of things only work if you pay for the rental on the same card.

  •  

    I believe its generally that you have to hired the rental car via your card.
    So if you paid for the rental via your Black Card you'd be covered?

  •  

    My guess would be because you use your Westpac visa card to hire the car, you're entitled to the accompanying insurance.

  •  

    For anyone interested, I got onto the actual insurance provider and have confirmed it is just a free extra insurance. You do not need to book, pay or register anything for the interstate domestic rental insurance.

  •  

    Does this also work for motorhome rentals in NZ?

    The rental place is charging $49 a day for insurance, and we'll be hiring for 16 days :(

    So was hoping that using this would give us some sort of insurance.

    •  

      The specific insurance I was talking about here was domestic interstate, NZ would be international.

      You can use their international insurance for vehicle excess though, just make sure to spend $500 min on travel related things ie car hire, flights, accommodation.Check out the T&C from the link I posted about international cover.

      •  

        Yea, I used the card for purchasing the plane tickets and motorhome hire, which is well over $500

        Thanks!

        •  

          No worries, just make sure to read the T&C as I linked above to understand what you are/aren't insured for. Always best to double check and not get caught with your pants down.

  •  

    It’s the biggest rort since they are asking you to purchase insurance and had to be listed on their rental agreement.

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