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Rental Car Insurance Options

White SUV parked by a mountain lake with two people enjoying the scenic view

More Reasons to GO

Easy pickup, unlimited kilometres and friendly local support.
Modern Hybrid and EV options.

Your car rental rate and Total Road Care package with GO Rentals include 24-hour AA roadside assistance, third-party damage and injury coverage.

At GO Rentals, our package includes more than just the wheels getting you from A to B. Your stress-free car rental experience is a priority and our coverage has peace of mind built right in. With free comprehensive insurance automatically covered, plus two upgrade options for excess reduction, you can buckle up and hit the road with confidence.

Car Rental Insurance Coverage

Our comprehensive car rental insurance covers more than the minimum required by the New Zealand Government. All of our insurance options include the following covers for a worry-free hire:

  • Roadside assistance

    Coverage across New Zealand.
    24-hour mechanical breakdown cover.
    Tesla dedicated roadside assistance.

  • Collision damage

    For any accidental collision to your rental car, hirer is only liable for the excess package chosen.*
    *If conditions under the agreement are met.

  • Theft protection

    Insurance for car theft is provided, hirer is liable for the excess amount only.*
    *If conditions under the agreement are met.

  • Windscreen protection

    Windscreens are not excluded from our vehicle and third party damage protection.

  • Third party damage

    A maximum of $10,000,000 NZD damage cover to third party property or vehicles.

  • Third party liability

    A maximum of $10,000,000 NZD liability cover to third party injuries.

  • Fire damage

    Fire damage is not excluded from our vehicle and third party damage protection.

  • Tyre damage

    Tyres are not excluded from our vehicle and third party damage protection.

A further list of inclusions and exclusions can be found in our terms and conditions. The information on this page should be used as a guide only, please read your rental car agreement carefully for all terms.

GO Basic Insurance

  • Cost per day
    $0 extra cost. Included as standard in our rental fees. Car hire fee varies depending on the rental vehicle.

  • Excess
    Excess liability paid by the hirer in the event of an accident or damage covered under the rental terms. The excess amount for this package is dependent on the vehicle selected.

  • Bond
    A pre-authorised amount to be paid at pick-up and returned to hirer if no damage is caused. The bond amount differs depending on the vehicle and hire period selected.

  • Credit or Debit
    A credit card with the main hirer’s name is required for this insurance option.

  • Cover
    Full comprehensive cover including third-party liability, windscreen and tyre damage. The hirer is liable for the excess amount only if conditions under the agreement are met.

GO Assured

  • Cost per day
    There is a fee per day for the full duration of your hire period depending on the rental vehicle. The upgrade fee is an insurance premium and non-refundable.

  • Excess
    Excess is reduced from the maximum depending on the vehicle selected. This is to be paid by the hirer in the event of an accident or damage covered under the rental terms.

  • Bond
    Starting from $0 depending on the rental vehicle. A pre-authorised amount to be paid at pick-up and returned to hirer if no damage is caused.

  • Credit or Debit
    A credit card with the main hirer’s name is only required for rental vehicles with a bond deposit.

  • Cover
    Full comprehensive cover including third-party liability, windscreen and tyre damage. The hirer is liable for the excess amount only if conditions under the agreement are met.

GO Peace of Mind

  • Cost per day
    Calculated for the full duration of your hire period and depends on the rental vehicle selected. The upgrade fee is an insurance premium and non-refundable.

  • Excess
    From $0 excess liability. Depending on the rental vehicle, the hirer may have to pay an excess in the event of an accident or damage covered under the rental terms.

  • Bond
    $0. No deposit is required.

  • Credit or Debit
    A credit card or debit card can be used.

  • Cover
    Full comprehensive cover including third-party liability, windscreen and tyre damage.

Electric Car Rental Insurance

Rest assured, our coverage options cover our electric car fleet including the Tesla Model Y, with the following amendments.

  • The Tesla dedicated roadside assistance must be utilised in preference to our AA roadside assistance.

  • The Tesla will require a security bond on GO Basic and GO Assured insurance options and therefore needs a credit card upon pick-up.

For full details on the electric car insurance addendums, please read our terms.

Total Road Care

A comprehensive $3 per day fee ensures your journey is simple and stress-free, we include the following services:

  • Roadside Assistance

    Complimentary callout service for ALL types of breakdowns.

  • Government Road Taxes

    Covers registration costs, safety inspections and road user charges.

  • Toll Road Freedom

    Enjoy free passage on all toll roads, we cover all costs including admin fees.

With Total Road Care, we handle all the essentials so you can focus on the adventure ahead.

Terms and Conditions

How Do We Compare To Other Rental Companies?

In New Zealand, car rental companies have a legal requirement to offer the following basic rental car insurance cover:

— Collision Damage Waiver/Loss Damage Waiver

— Theft Protection

GO Rentals' number one priority is ensuring you have a stress-free car hire experience. That's why we have included extra cover for windscreen and tyre damage, third-party damage and injuries and 24-hour roadside assistance included in your Total Road Care package.

Standard Car Rental Insurance Coverage in New Zealand

Minimum Required Car Rental Insurance Cover

GO Rentals Minimum Insurance Cover

Collision damage waiver/Loss damage waiver

✓

✓

Theft protection

✓

✓

24 hour mechanical breakdown cover

✓

Windscreen and tyre damage

✓

Third-party damage to other cars and properties

✓

Third-party liability for injuries

✓

Frequently asked questions

How do I add GO Insurance coverage?

Simply add your car rental itinerary details to our booking widget and proceed to the checkout. Our GO Basic insurance option will be added as standard. If you wish to upgrade to GO Assured or GO peace of mind, select your package and the fee per day will be calculated and added to your booking.

Upon pick-up, you will pay your security bond on a credit card if you have selected the GO basic or GO assured options.

After the vehicle is returned, or 45 days from the bond’s authorisation on your card (whichever comes first), the bond amount is released. This process typically takes 5 - 10 business days.

Please be aware that if there’s any damage to the vehicle during your rental period, or if we find damage during the check-in process, we will deduct the necessary excess payment from the pre-authorised bond amount.

Does my insurance cover additional drivers?

Any additional drivers will need to be added to your booking and show their full licence in the branch before getting behind the wheel. You may be subjected to an additional driver fee. However, rest assured that they will be covered under the insurance option you select.

Do I need a credit card?

You will need a credit card with the main hirer’s name for your security bond, required at pick-up for the following:

  • GO Basic Insurance.

  • GO Assured Insurance, depending on vehicles where a bond may be required, please check with our reservations team for more information.

Your bond will be paid back to you after the rental vehicle is returned, subject to no damages found.

Can I get rental vehicle excess insurance?

Of course, you can cover your rental car excess with a third-party insurer. Every policy is different, but generally, we will charge you for your excess amount and you will claim this back from your rental vehicle excess insurance. We will still require a security bond from you for GO basic and GO assured.

Can my travel insurance cover GO Rentals?

If you already have rental car hire covered under your travel insurance policy, then this is great news. What this means (and of course, all travel insurance policies are different) is that in the event of any damage we will charge you for your excess amount if you are involved in an accident and you will claim this back from your travel insurance.

We recommend that you read your travel insurance policy wording carefully. Some insurers will require you to upgrade to a reduced excess option and they may put many exclusions in your policy wording.

Which exclusions apply to your coverage?

Although we provide a substantive rental vehicle insurance policy, there are some scenarios in which you won't be covered:

  • There are a few roads that we won’t let our vehicles be driven on, these are: Ball Hutt Road (Mt Cook), Skippers Road (Queenstown), Ninety Mile Beach (Northland), Te Paki Stream Bed, the road to Macetown in the Queenstown Area, or any unformed road or any track or thoroughfare including gravel roads that is not officially designated a road, including any beach.

  • Damage to the underbody of the rental vehicle isn’t covered by insurance and you’re liable for all costs associated with the damage.

  • Damage caused by unauthorised additional drivers.

  • Any loss or damage to the Hirer’s personal belongings.

  • Damage or liability caused by the driver of the Vehicle when under the influence of alcohol or any drug.

  • The driver was deemed reckless or dangerous.

  • If the vehicle is operated outside of the rental term.

Please note that these exclusions are a guide, the full list can be found in the terms and rental agreement, which is to be signed upon pick up.

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