Rental car insurance in Australia

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Having done this a number of times myself (and being an Australian living abroad), it will be difficult to find an easy single policy that will provide 'unconditional' cover or excess cover. I can't comment specifically on the UK Amex cover, but I have this also (no UK version) and there are a number of 'fine print' conditions which can be interpreted a number of ways, most of which will leave you with a bill. Pretty sure left this way so insurers have some wiggle room if they deem they need it.

This will sound like an overly generalised statement, however I believe there would be very few policies available that would cover you if the rental car company (or its insurer) deems you are not covered under their own policy. It's basically seeking insurance against a denied insurance claim. If you find one would love to hear about it.

Most supplementary car rental insurance policies (like the Amex one) are designed to cover your excess payment. Meaning that if you have an accident, any excess you pay will be covered, the theory being you pay a less exorbitant premium to manage your risk.

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