Discovery Motorhomes New Zealand   -   Insurance & Excess
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motorhomes new zealand - NZ campervan rentals

Insurance and Liability Reduction Options

This page is a summary of each Companies Standard Liability. This amount is what you would be liable to pay in the event of an accident or damage to the vehicle, regardless of who is at fault. The liability applies in respect of each claim, not rental.

Liability Reduction Options

The Standard Liability can be reduced either -

At time of Booking

  • By opting for the Stress Free Package. This package has the lowest level of liability and includes bonus items.

At time of Pick Up

  • By choosing one of the Liability Reduction Options (LRO)

Security Bonds

All branches take a Security Bond at the beginning of the rental. The amount of this bond is dependant on if you take out Liability Reduction and which option you take. Please be aware that the new trend is a credit card surcharge of between 1.75% and 5% on the amount paid on pickup, including the refundable bond.

Refer to the relevant Motorhome Company as follows:

Travel Insurance

Even if you do reduce your liability we strongly recommend purchasing travel insurance before you leave home, for total peace of mind. Insurance policies cover cancellation fees, medical expenses, baggage and much more.


Apollo

Standard Liability

All Apollo vehicles include a Standard Liability of NZ$7,500. The bond will be collected at the time of entering into the Rental Contract. Payment of this Bond is only accepted by credit card and will be debited to the credit card immediately.

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO) - 1st March 2010 to 31st April 2011

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $7,500 $7,500
LRO 1 $25 (max $1,250) $2,500 $2,500
LRO 2 $42 (max $2,100) $0 $250
Stress Free Package* $60 (max $3,000) $0 $250

Liability Reduction Options (LRO) - 1st March 2011 to 31st April 2012

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $7,500 $7,500
LRO 1 $27 (max $1,350) $2,500 $2,500
LRO 2 $44 (max $2,200) $0 $250
Stress Free Package* $62 (max $3,100) $0 $250

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.


Cheapa Campa

Standard Liability

Cheapa Campas rental charge includes a Standard Liability of NZ$2,700 for 2 Berth vehicles and NZ$5,000 for 4 & 6 Berth. The bond will be collected at the time of entering into the Rental Contract. Payment of this Bond is only accepted by credit card. The amount above will be debited to the credit card account immediately.

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO) - 1st April 2010 to 31st March 2011

Vehicle Cost per day Liability Fee Bond Payable
Standard Hitop
2 Berth
Included in Rental $2,700 $2,700
4 & 6 Berth Included in Rental $5,000 $5,000
LRO 1 Hitop
2 Berth
$16 (max $560) $1,200 $1,200
4 & 6 Berth $20 (max $1,000) $2,500 $2,500
LRO 2 Hitop
2 Berth
$26 (max $910) $0 $250
4 & 6 Berth $35 (max $1,750) $0 $250
Stress Free Package* Hitop
2 Berth
$32 (max $1,120) $0 $250
4 & 6 Berth $44 (max $2,200) $0 $250

Liability Reduction Options (LRO) - 1st April 2011 to 31st March 2012

Vehicle Cost per day Liability Fee Bond Payable
Standard Hitop
2 Berth
Included in Rental $2,700 $2,700
4 & 6 Berth Included in Rental $5,000 $5,000
LRO 1 Hitop
2 Berth
$18 (max $630) $1,200 $1,200
4 & 6 Berth $22 (max $1,100) $2,500 $2,500
LRO 2 Hitop
2 Berth
$28 (max $980) $0 $250
4 & 6 Berth $37 (max $1,850) $0 $250
Stress Free Package* Hitop
2 Berth
$35 (max $1,225) $0 $250
4 & 6 Berth $47 (max $2,350) $0 $250

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.


Backpacker

Standard Liability

All Vehicles are insured for the damage to the vehicle or to the property of a Third Party. The hirer is responsible for the first NZ$3,500 for the Breezer, Nomad and Wanderer Campervans or NZ$5,000 for the Quattro & Six Pack, of the cost of damage to Third Party property or to the rented vehicle, including single vehicle accident, windscreen and tyre damage, towing and recovery costs, theft, fire, break in or vandalism with the exception of the exclusions. This also includes the cost of the daily rental rate for the period the vehicle is off fleet for accident repairs (demurrage).

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO) - 1st April 2010 to 31 March 2011

Vehicle Cost per Day Liability Fee Bond Payable
Standard Breezer
Nomad
Wanderer
Included in Rental $3,500 $3,500
Quattro
Six Pack
Included in Rental $5,000 $5,000
LRO 1 Breezer
Nomad
Wanderer
$16 (max $800) $1,500 $1,500
Quattro
Six Pack
$25 (max $1,250) $2,500 $2,500
LRO 2 Breezer
Nomad
Wanderer
$26 (max $1,300) $0 $220
Quattro
Six Pack
$32 (max $1,600) $0 $220
Stress Free Package* Breezer
Nomad
Wanderer
$34 (max $1,700) $0 $220
Quattro
Six Pack
$44 (max $2,200) $0 $2200

Liability Reduction Options (LRO) - 1st April 2011 to 31 March 2012

Vehicle Cost per Day Liability Fee Bond Payable
Standard Breezer
Nomad
Wanderer
Included in Rental $3,500 $3,500
Quattro
Six Pack
Included in Rental $5,000 $5,000
LRO 1 Breezer
Nomad
Wanderer
$18 (max $900) $1,500 $1,500
Quattro
Six Pack
$27 (max $1,350) $2,500 $2,500
LRO 2 Breezer
Nomad
Wanderer
$28 (max $1,400) $0 $220
Quattro
Six Pack
$34 (max $1,700) $0 $220
Stress Free Package* Breezer
Nomad
Wanderer
$36 (max $1,800) $0 $220
Quattro
Six Pack
$47 (max $2,350) $0 $2200

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.

Tyre and Windscreen Cover

If this optional extra is purchased it will cover the hirer for unlimited accidental damage to the windscreen and tyres . The cover is only available when Liability Reduction 2 has been purchased.

Vehicle Cost per day
Breezer, Nomad, Wanderer $5 (max $250)
Quattro, Six Pack $5 (max $250)


Britz

Standard Liability

The hirer is responsible for the first NZ$7,500 of ANY ACCIDENT COST of damage to Third Party property or to the rented vehicle, including single vehicle accident, windscreen and tyre damage, overhead and underbody damage, towing and recovery costs, theft, fire, break in or vandalism.

This also includes the cost of the daily rental rate for the period the vehicle is off fleet for accident repairs (demurrage).

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO) - 1st April 2010 to 31st March 2011

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $7,500 $7,500
LRO 1 $25 (max $1,250) $2,500 $2,500
LRO 2 $42 (max $2,100) $0 $220
Stress Free Package* $60 (max $3,000) $0 $220

Liability Reduction Options (LRO) - 1st April 2011 to 31st March 2012

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $7,500 $7,500
LRO 1 $29 (max $1,450) $2,500 $2,500
LRO 2 $45 (max $2,250) $0 $220
Stress Free Package* $65 (max $3,250) $0 $220

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.


Hippie Camper

Standard Liability

Hippie Campers includes a Standard Liability of NZ$2,500 or NZ$3,500 if 18-20 years old. The bond will be collected at the time of entering into the Rental Contract. Payment of this Bond is only accepted by credit card. The amount above will be debited to the credit card account immediately.

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO)

Age Cost per day Liability Fee Bond Payable
Standard 21-75 years Included in Rental $2,500 $2,500
18-20 years Included in Rental $3,500 $3,500
LRO 1 21-75 years $12 (max $600) $1,200 $1,200
18-20 years $22 (max $1,100) $1,200 $1,200
LRO 2 21-75 years $20 (max $1,000) $100 $100
18-20 years $30 (max $1,500) $250 $250
Stress Free Package* 21-75 years $20 (max $1,000) $100 $100
18-20 years $30 (max $1,500) $250 $250

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.


Jucy

Standard Liability

Liability Reduction Options are a summary only and should be read in conjuction with the full terms and conditions provided on your rental agreement on pickup of your vehicle.

The hirer is responsible for the first NZ$1,900 ($2,500 18-20yrs) for the Jucy Crib and NZ$2,900 ($3,500 18-20yrs) for the Jucy Chaser of ANY ACCIDENT COST of damage to Third Party property or to the rented vehicle.

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO)

Vehicle Age Cost per Day Liability Fee Bond Payable
Standard Crib 21+ Included in Rental $1,900 $1,900
18-20 Included in Rental $2,500 $2,500
Chaser 21+ Included in Rental $2,900 $2,900
18-20 Included in Rental $3,500 $3,500
LRO 1 Crib 21+ $15 $800 $800
18-20 $19 $1,000 $1,000
Chaser 21+ $15 $1,200 $1,200
18-20 $24 $1,900 $1,900
Stress Free Package Crib 21+ $25 $0 $0
18-20 $29 $0 $0
Chaser 21+ $25 $0 $0
18-20 $32 $0 $0

*Stress Free Package includes $0 Liability and has bonus items. This option must be selected at time of booking or prior to pick up.


Maui

Standard Liability

The hirer is responsible for the first NZ$7,500 of ANY ACCIDENT COST of damage to Third Party property or to the rented vehicle, including single vehicle accident, windscreen and tyre damage, overhead and underbody damage, towing and recovery costs, theft, fire, break in or vandalism. This also includes the cost of the daily rental rate for the period the vehicle is off fleet for accident repairs (demurrage). The liability applies in respect of each claim, not rental.

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO) from 1 April 2010 to 31 March 2011

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $7,500 $7,500
LRO 1 $25 (max $1,250) $2,500 $2,500
LRO 2 $42 (max $2,100) $0 $220
Stress Free Package* $60 (max $3,000) $0 $220

Liability Reduction Options (LRO) from 1 April 2011 to 31 March 2012

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $7,500 $7,500
LRO 1 $29 (max $1,450) $2,500 $2,500
LRO 2 $45 (max $2,250) $0 $220
Stress Free Package* $65 (max $3,250) $0 $220

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.


Kea

Standard Liability

All KEA Campers vehicles come with comprehensive insurance cover. A standard liability of NZ$5,000 applies in the event of any damage to either our vehicle or third party property. The renter will also be fully liable for replacing or repairing damaged windscreens and tyres.

The Standard Liability can be reduced by purchasing one of the following:

Liability Reduction Options (LRO) - 01 April 2010 to 31 March 2011

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $5,000 $5,000
LRO 1 $28 (max $1,400) $2,000 $2,000
LRO 2 $38 (max $1,900) $0 $500
Stress Free Package* $60 (max $3,000) $0 $500

Liability Reduction Options (LRO) - 01 April 2011 to 31 March 2012

Cost per Day Liability Fee Bond Payable
Standard Included in Rental $5,000 $5,000
LRO 1 $28 (max $1,400) $2,000 $2,000
LRO 2 $38 (max $1,900) $0 $500
Stress Free Package* $60 (max $3,000) $0 $500

*Stress Free Package includes LRO 2 & Bonus Items. This option must be selected at time of booking or prior to pick up.


Terms & Conditions

For further details please refer to the relevant Terms and Conditions.