Compare campervan insurance options

We provide three different campervan 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
  • 'Selvrisiko' in Danish

How to reduce your insurance 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.

Insurance Options                  

Your Bond/Excess

Price per day

All-Inclusive / Full Cover / Stress-Free (most popular)

$0

$30

Partial Excess Reduction

$1500

$20

Standard Excess

$3000

$0

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 insurance offers full cover and zero excess [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.

All-Inclusive insurance on long hires will save you money

The All-Inclusive insurance option has 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 insurance is capped at $1200 or a 40-day hire.

This means you will only pay for 40 days of insurance but you will be insured for the full trip. For instance, if you'll be roadtripping for 60 days, you'll only pay the insurance for 40 days but you'll be fully insured for 60 days. This means that on average the price of the All-Inclusive insurance option for that 60-day trip drops to just $20 per day... That's a nice discount on the stress-free, full cover campervan insurance.

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.

Compare the campervan insurance options in detail

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

Cover

All-Inclusive

(most popular)

Partial Excess Reduction

Standard insurance

Single vehicle accidents

✓ Yes

✓ Yes*

✓ Yes*

Towing costs (in case of mechanical breakdown)

✓ 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

Glass cover

✓ Yes

✘ No

✘ No

Exterior panels

✓ 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.

Third-party cover is included

Third-Party incidents are always covered (no matter the insurance option you have). A third party incident is accidentally damaging someone else’s vehicle or property. See Our Promises for more info about how we make sure you'll have a great road trip in New Zealand.

Glass Cover: optional extra on standard and partial

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 $700, and each stone chip costs $150 so we recommend taking Glass Cover if opting for the Standard Bond or upgrade to the All-Inclusive which includes Glass Cover.

All campervan insurance questions answered

Insurance stuff can be difficult, especially when going to a foreign country. Therefore, we have listed the most frequent asked questions about campervan insurance and have added all the info you need to know. This will make your life so much easier. And if there's a question we didn't cover yet, just let us know via online chat (click on the speech bubble at the bottom of the screen).

Can I use an excess insurance policy from a third party?

You can stay on standard insurance and use your own excess insurance policy, but then we still need to freeze the $3,000 on your card (credit or debit). Also, we highly recommend reading the fine print of your policy as a lot of these excess insurance companies don't cover campervans. Even though our campervans are based on the Toyota Estima car model, they are classified as campervans/sleeper vans.

An excess insurance policy won't replace our All-Inclusive Insurance. It will just cover the excess used in case of damages or an accident. You will always need to pay for damages yourself and then claim it back from your insurance company. You will be travelling on standard then, which means $3,000 needs to be frozen on your card. This will be frozen for the duration of your hire, it will still be in your account, it just can't be used as it is frozen (reserved) just in case. On All-Inclusive, there's no excess and almost everything is covered (no need to pay for it yourself first when damages have happened).

How much am I liable for in case of an accident or damages?

We hope nothing happens on your road trip, but if it does you will be liable for $0 if you are travelling on our All-Inclusive insurance. Unless there's a breach of contract, which means that illegal things have happened. As a normal driver, you won't pay a dollar (All-Inclusive only) in case of accidents or damages to your Spaceships campervan.

On Standard or Partial campervan insurance, you will pay up to the excess/bond amount in case of damages. This is $3,000 on Standard and $1,500 on Partial. We will always deduct the real repair costs from the excess/bond amount, up until the maximum amount mentioned before.

Is your All-Inclusive the same as travel insurance?

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

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 will cost $700
  • Stone chips cost $150 each
  • A tyre can cost up to $140 fitted
  • Side-mirror: $150
  • Towing: between $250 and $1500 depending on where you are

Are single-vehicle rollovers covered?

A single-vehicle rollover is deemed careless and driver fault regardless of 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.

Why is driving in New Zealand different than overseas?

  • Car insurance is not compulsory in New Zealand so even if an accident is not your fault you could still lose your excess/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!

Are any roads excluded from the campervan insurance options?

There are three roads in New Zealand where you are not allowed to drive and where the campervan insurance options don't apply. Driving there is a breach of the rental agreement, you won't be covered there. These roads are called Skippers Canyon Road near Queenstown, Ball Hutt Road near Mt Cook and 90 Mile Beach in Northland.

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Roads in New Zealand can be different than overseas

Roads in New Zealand can be different than overseas: select the right campervan insurance option for your trip