Rental car insurance excess in New Zealand
What nine operators charge as standard excess, what their reduction tiers cost, and which two publish no figure at all.
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What a rental car actually costs
A week of zero-excess cover runs $175 to over $322 depending on the operator, and four publish no price at all.
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The damage your cover doesn't pay for
What each operator publishes as excluded even at zero excess: windscreens, tyres, underbody, water and lost keys.
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Roads not covered by rental car insurance
Which operators name Skippers Canyon, Ball Hut Road, Ninety Mile Beach and Te Paki Stream, and what happens if you drive one.
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Gravel roads and your rental cover
Two operators permit gravel outright, two prohibit it and void your cover, and three publish nothing at all.
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Ski field roads and snow chains
Which operators let you drive an alpine access road, who requires chains, and whose cover you void by fitting them wrong.
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Bonds and card holds
The hold on your card runs from $200 to $3,500, and some operators won't accept a debit card at all.
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