Travel insurance

pcmx5 · Postby **pcmx5** » Mon May 11, 2015 6:42 pm

Someone posted a long time ago about the benefits of taking travel insurance instead of the costly excess reductions offered by the Car Hire companies.I used this method a few years ago on a visit to Tas and it was great,all inclusive cover for luggage lose , illness etc and excess far cheaper,but unfortunately have lost the details of the provider and cannot find it using the search.

Can anyone help?

Peter.

Dweezle · Postby **Dweezle** » Mon May 11, 2015 7:19 pm

I have always used OneCover for the same purpose.

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Regie · Postby **Regie** » Mon May 11, 2015 8:30 pm

i use QBE, i pay it as a yearly coverage. it covers me from trips down the coast to big overseas trips

Dan · Postby **Dan** » Mon May 11, 2015 8:38 pm

The other option is you can often get good coverage if you have a gold or platinum credit card from the banks. Commbank is $2500 cover, so a $500 gap to the $3000 excess Avis charge.

Since you can often get one for $0 in fees for the first year or forever if you have a home loan it's free

rpost77 · Postby **rpost77** » Mon May 11, 2015 11:15 pm

Recently completed a 3 week trip to Tasmania.

Hired a car from Thrifty (NRMA membership got me 15% discount + 2 free days offer for hire over 10 days (16 days hire in total)). Also NRMA membership halved the excess (from $4K to $2K).

Took out comprehensive travel insurance with Allianz (covered 2 people) which included excess coverage up to (I think) $6K. The insurance also covers other things like loss/theft of property (including) from car and costs due to sickness, delayed flights etc.

Cost for 2 people was around $130.

Looked at other options - some cheaper and also some "excess only" coverage - went with Allianz as:
1) Have 2 cars insured with Allianz for years (including MX5) and always cheaper and never any issues with claiming etc. (had a no-fault claim about 6 years ago that was extremely no fuss).
2) Most of the other advertised Travel/excess insurance are actually Allianz anyway (read the fine print and you will find "Allianz Global Assistance" mentioned as the "trading as" company or the underwriter - 1Cover included) so figured easier and better to just go to the source.

Thankfully did not have any issues and therefore no requirement to make a claim etc. so cannot comment on that process.

Would go with same next time.