Does your credit card cover rental car insurance in Australia depends on card type, because many premium credit cards include complimentary rental car excess cover, but basic cards do not. Premium cards like American Express Platinum, Gold, Qantas Ultimate, ANZ Rewards Black, Commonwealth Bank Diamond, NAB Premium and Westpac Altitude Black include domestic rental car excess insurance up to $5,000 to $10,000 if you pay for rental with that card and decline rental company excess reduction. Cover typically includes collision damage waiver excess reimbursement, meaning if you crash and rental company charges you $4,000 excess, your credit card insurance reimburses you, but you must pay upfront and claim. It usually covers car, not tyres, windscreen, underbody or personal liability unless specified, and requires rental period under 30 days and rental agreement in your name. Basic cards like low rate or no annual fee cards generally do not include rental car insurance. To check, look at your credit card Product Disclosure Statement under complimentary insurance, or call card insurance hotline, and ensure you activated cover by spending $250 to $500 on travel with card for some cards. You must also have rental agreement showing excess amount and damage report. So many premium credit cards do cover rental car insurance in Australia, saving $20 to $40 per day on rental company excess reduction, but basic cards do not, and cover is excess reimbursement not full comprehensive, so you still need to check limits and exclusions like 4WD and commercial vehicles often excluded.
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