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Covers & Insurance

Fully comprehensive third-party and public liability cover is included in your car rental rate with Moto Car Rental.

Fully comprehensive third-party and public liability cover is included in your car rental rate with Moto Car Rental. 

An excess applies in the event of an accident or damage to the vehicle. This is the amount you are liable for in the event of damage or loss to the vehicle, and is referred to as your liability.

Moto has three levels of cover available - Moto Basic, Moto Plus and Moto Premium. The table highlights the inclusions and exclusions in each level. Moto Premium is our recommended insurance cover level as the excess is $0 (zero excess cover), in the unfortunate event of an accident. Moto Plus has a variety of excess levels based on the vehicle you hire.

Please note all hirers must have a credit card or debit card, the details of which we will hold as pre-authorisation security for the excess during your hire. In every case the applicable excess amount for your hire will be held as an authorisation on your card, and will be released at the end of your hire. Cash, prepaid and reloadable debit cards, gift cards and Travel cards, are NOT accepted for payment or to use as a pre-authorisation for security purposes.

We will take a NZ$200 security pre-authorisation on all credit card payments, or a NZ$400 security pre-authorisation on all debit card payments, for the duration of your hire for any incidentals. All holds on credit and debit cards funds are released upon return of the rental car if no damage or fees are owing on the hire. It can take up to 7 working days for your bank to operate the release. Please note this is a hold on a credit card meaning it doesn't show as a transaction on your statement. 


Excess Levels with Moto Basic

  • Toyota Corolla Hatch* – NZ$2,500 excess
  • Holden Trax 2WD*  – NZ$2,500 excess
  • Toyota RAV4 AWD* – NZ$3,000 excess

*or vehicles in the same category

Reduced Excess Levels with Moto Plus

  • Toyota Corolla Hatch* – NZ$250 excess
  • Holden Trax 2WD*  – NZ$250 excess
  • Toyota RAV4 AWD* – NZ$300 excess

*or vehicles in the same category

Nil Excess Levels with Moto Premium

  • Toyota Corolla Hatch* – NZ$0 excess
  • Holden Trax 2WD*  – NZ$0 excess
  • Toyota RAV4 AWD* – NZ$0 excess

*or vehicles in the same category

 

Covers & insurance quick tips

  • Compulsory cover

    In New Zealand there is no such thing as compulsory cover (even third party) so you can lose money as a result of someone else’s poor driving.

  • Personal loss and injury

    We do not offer insurance for personal loss, ie. theft of personal items or personal injury. In New Zealand treatment for personal injury is covered by the Government’s Accident Compensation scheme.

  • Glass Cover

    Glass damage including stone chips is already included in our Moto Premium cover option.

  • Minimum age required

    Driver must be over 20 to book a car with us. Please remember that all drivers must have a current full driver licence at all times. If your licence is not in English, you must carry an official English translation or International Driver Permit (IDP) together with your original licence. 

Frequently asked questions about covers & insurance

  • Travel Insurance

    If you have already purchased your own travel insurance covering rental car hire, we recommend that you check your travel insurance policy carefully.

    Some insurers require you to take the excess reduction (“Reduced liability” above) and some policies may not cover you if you drive your rental car on unsealed roads.

    In the event of damage to your rental car we will charge your credit card with the applicable excess for your hire, and you would then need to lodge a claim with your travel insurer to claim the excess back on your return home.

    The same applies if you have purchased travel insurance from your travel agent.

    The applicable excess on your hire with us will be charged, and you would need to claim this charge back from your agent’s travel insurance provider on your return home.

  • Are there any cover exclusions?

    Yes there are times when you won’t be covered by our insurance. They include:

    • When you drive your rental car on Ball Hut Road (Mount Cook), Skipper Road (Queenstown), 90 Mile Beach (Northland) and State Highway 38 Lake Waikaremoana, or any other ‘off-road’ driving. These roads are not part of normal touring routes.
    • Any off-road driving on beaches or off public roads.
    • Damaging the rental car purposely.
    • Driving recklessly, while intoxicated or in a rally or other competition.
    • Allowing unauthorised drivers to use the rental car.
    • Driving beyond the agreed return time.

    This information should be used as a guide only. You will be required to sign a car rental agreement when you collect your rental vehicle.

  • What are your standard cover excess levels?

    Insurance excess applies with standard cover as follows.

    Reduced Excess Levels with Moto Plus

    • Toyota Corolla Hatch or similar* – NZ$250 excess
    • Holden Trax or similar* – NZ$250 excess
    • Toyota RAV4 AWD or similar* – NZ$300 excess

    Full Excess Levels with Moto Basic

    • Toyota Corolla Hatch or similar* – NZ$2,500 excess
    • Holden Trax or similar* – NZ$2,500 excess
    • Toyota RAV4 AWD or similar* – NZ$3,000 excess

    *or vehicles in the same category

  • How much will it cost to add Moto Plus or Moto Premium cover to my booking?

    You can opt to waive or reduce your cover excess on your hire by purchasing our additional Moto Plus or Moto Premium cover with your car hire.

    Our Moto Premium option includes glass cover so you will be covered in the event of a stone chip or glass damage during your hire as well as accident damage to the vehicle.

    Moto Plus and Moto Premium daily rates start from just NZ$25 per day and reduce your liability for the vehicle during the hire down to either a zero excess with Moto Premium or a substantially reduced excess with Moto Plus.

    Our prices are shown as additional options in all rental vehicle quotations we provide.

    You can add your preferred coverage directly when making an online booking, or contact us or even enquire at our branches when picking up your rental car.

    Click here to read our full Master Rental Agreement.