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Insurance options: reduce your excess

We provide three different insurance (vehicle protection) options for your campervan road trip in New Zealand. Standard insurance with 3rd party cover is included with every Spaceships campervan hire, but it comes with excess or bond. We'll explain those words below. For full peace of mind you can choose the All-Inclusive insurance option.

What does excess mean?

Excess is the maximum amount of money that you're liable for when something happens to your campervan. It's the part of an insurance claim that you as the insured person need to pay. In other countries excess is known as:

  • 'Selbstbehalt' in German
  • 'Eigen risico' in Dutch
  • 'Excès' in French
  • 'Overskydende' in Danish

How to reduce your excess

It's easy to reduce your excess to $0 when travelling with Spaceships. We have an insurance option that will give you complete peace of mind. No worries.

Insurance Options                  

Your Bond/Excess

Price per day

All-Inclusive / Full Cover (most popular)

$0

$30

Partial Excess Reduction

$1500

$20

Standard Excess

$3000

$0

The All-Inclusive and Partial Excess Reduction options both have a maximum amount payable for 40 days hire to make them affordable for long hires 41 days or more. This will be displayed automatically when you calculate your campervan hire rate online... All-Inclusive is capped at $1200 or 40-day hire. Partial Excess Reduction is capped at $800 or 40 days hires.

All-Inclusive excess reduction offers full cover [recommended]

The All-Inclusive is the most popular option for travellers as it reduces your excess (bond) to $0. It provides your vehicle with the maximum cover available, so you can relax and enjoy your holiday stress-free. It is the insurance option we highly recommend.

Please be aware, the all-inclusive excess reduction option isn't travel insurance. We suggest you get this additionally to cover any changes in your personal travel plans, personal property or injury.

Other options for excess reduction

When you choose for partial excess reduction your excess is $1500. It doesn't provide you with the extra coverage like on the All-Inclusive option. The excess amount will be frozen on your credit card when you pick up your campervan. We don't remove this from your account but we need to verify it's available in the event of an accident.

The standard option only covers single vehicle accidents. You'll have an excess of $3000 (= the maximum amount you're liable for). This amount needs to be available on your credit card. We'll only freeze it as it needs to be available in case of an accident.

If you have any questions about the excess reduction options, please email us at [email protected].

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What's included with each Insurance option?

The cover provided by each option is set out below. The All-Inclusive option includes every item in this list.

Coverage

All-Inclusive

(most popular)

Partial Excess Reduction

Standard insurance

Single vehicle accidents

✓ Yes

✓ Yes*

✓ Yes*

Unlimited windscreen chips

✓ Yes

✘ No

✘ No

The roof

✓ Yes

✘ No

✘ No

One windscreen replacement

✓ Yes

✘ No

✘ No

Underbody

✓ Yes

✘ No

✘ No

Side mirrors

✓ Yes

✘ No

✘ No

Towing costs

✓ Yes

✘ No

✘ No

Glass cover

✓ Yes

✘ No

✘ No

No extra driver fees

✓ Yes

✘ No

✘ No

Exterior panels

✓ Yes

✘ No

✘ No

$0 daily repair fee

✓ Yes

✘ No

✘ No

2 replacement tyres

✓ Yes

✘ No

✘ No

Cover for gravel roads**

✓ Yes

✘ No

✘ No

✓ YES = it is covered | ✘ NO = it is not covered

* = with the standard and partial cover you're liable for up to the maximum of the excess amount. Only the All Inclusive insurance will cover everything in the list without any excess or bond at all.

** = Gravel road cover excludes the three restricted roads mentioned in clause 4 of the Terms & Conditions. These roads are called Skippers Canyon Road near Queenstown, Ball Hutt Road near Mt Cook and 90 Mile Beach in Northland.

Please note: if you're travelling on STANDARD EXCESS you are liable for up to $3000 and must have this amount available on your credit card to cover potential damage to the vehicle. We don't take the amount from your credit card, we only freeze it in case something happens. However, the maximum amount of $3000 needs to be available.

Why is the All-Inclusive excess option recommended?

All-Inclusive offers you complete peace of mind for only $30 per day extra. You don’t want to risk anything spoiling your trip of a lifetime. It's the little things that can cost a lot:

  • Windscreen replacement can cost up to $550
  • Stone chips cost $75 each
  • A tyre can cost up to $140 fitted
  • Side-mirror: $150
  • Towing: between $250 and $1500 depending where you are

With the All-Inclusive excess reduction option, you don't have to worry as it's all covered.

Are single-vehicle rollovers covered?

A single-vehicle rollover is deemed careless and driver fault regardless which insurance option you have. It is at our discretion as to whether the remaining hire days will be carried over to a replacement vehicle. A new Excess Reduction Option will apply if a new rental agreement is created. See our Terms & Conditions (section 14) for more info about this.

Other New Zealand factors to be aware of

  • Insurance is not compulsory in New Zealand so even if an accident is not your fault you could still lose your Bond if we are unsuccessful in recovering the costs from the other party involved. This claim process can take months to resolve.
  • Roads in New Zealand are hilly, narrow and windy at times. There can also be loose gravel on the side of the roads, which can be flicked up and damage your vehicle or your windscreen. Although this is not your fault, unfortunately, you will be liable.
  • During the summer month’s lots of Kiwis tow a boat or trailer behind their car, which slows traffic and encourages people to try and pass where they shouldn’t. They are also more likely to flick stones up into your vehicle and windscreen.

Glass Cover

An additional non-refundable premium of $8 per hire day to a maximum of $320 i.e. 40 days rental will cover you for the loss or breakage of the front windscreen, unlimited stone chips.  This cover includes the windows and sunroof also.  A windscreen replacement costs $550, and each stone chip costs $75 so we recommend taking Glass Cover if opting for the Standard Bond or upgrade to the All Inclusive which includes Glass Cover.

Please refer to our Terms and Conditions for full information on insurance options.

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