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Vehicle Rental Insurance
If you rent out vehicles, whether cars, vans, campers, utes, or luxury models, standard car insurance won’t give you the coverage you need. With vehicle rental insurance through P2P insurance, you get peace of mind knowing that your vehicles and customers are covered every time one of your cars leaves the lot.
Why Vehicle Rental Businesses Need Specialised Insurance
When you’re renting out vehicles, the risks are higher and more complex than standard personal use. Each vehicle is driven by different customers, in different conditions, and often with limited oversight.
Auto rental insurance protects hire car operators and individuals hiring out vehicles from financial losses caused by damage, theft, or accidents involving your rented vehicles. It also keeps you compliant with legislation for operators, and helps cover liability if someone is injured or property is damaged during a rental period.
Get the Vehicle Rental Insurance You Need
At P2P Insurance, we offer tailored auto rental insurance to suit all hire arrangements and business models. Whether you're a local vehicle owner renting out their car or camper, an independent car hire business, or an established provider with multiple rental fleets, we'll help you get the hire car insurance you need.
As car rental insurance brokers, we help you choose the right mix of policies to meet the needs of your business. Our auto rental insurance solutions include comprehensive vehicle insurance, third-party damage cover, personal accident protection, and public liability insurance.
Third Party Property Damage
Covers the cost of damage your rental vehicle causes to another person’s property during a covered incident.
Comprehensive Vehicle Cover
The highest level of car rental insurance, Comprehensive Vehicle Cover protects your rental vehicles against accidental damage, theft, fire, or vandalism, whether in your lot, parked or on the road.
Personal Accident Cover
If your rental vehicle causes damage to someone else’s property during a rental period, Third Party Property Damage Cover will take care of the costs.
Public
Liability
Protects your business if someone is injured or their property is damaged due to your rental operations.
Get Covered in 3 Easy Steps
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How Much Does Vehicle Rental Insurance Cost?
Rental vehicle insurance costs depend on a variety of factors. Rates vary depending on your risk profile and the level of cover required. At P2P Insurance, we compare policies through trusted Australian insurers so you get the best value coverage for your business.
Get a quoteCar Rental Insurance that Goes the Extra Mile
Feel Confident with Every Hire
Whether a daily rental or a long-term lease, auto rental insurance ensures every trip is protected to give you confidence that you're covered.
Flexible Cover Solutions
P2P Insurance tailor insurance to fit your business with flexible terms and optional extras, including replacement vehicle cover and windscreen repair.
Expert support when you need it
If something goes wrong, you'll get the support you need. P2P Insurance connects drivers with trusted partners for fast claims resolution and expert support.
Vehicle Rental Insurance Australia-wide
Whether you rent vehicles in Sydney, Melbourne, Brisbane, Perth, Adelaide, or regional Australia, P2P Insurance has you covered with nationwide rental insurance solutions.
Get insuranceFrequently asked questions.
Who needs vehicle rental insurance?
Anyone who rents or offers vehicles for hire in Australia must have vehicle rental insurance, including local owners on platforms like GoGet and Camplify.
Why do I need vehicle rental insurance?
As standard car insurance doesn’t cover vehicles hired to customers, rental vehicle insurance is essential as it protects you from financial loss and legal repercussions.
Can I use personal car insurance for vehicle rentals?
No, not even if you're a local car owner renting out a single vehicle or camper. Personal policies exclude commercial hire, so you’ll need a policy designed specifically for rental use.
What types of cover should I consider?
Most businesses and individuals hiring vehicles to customers choose a mix of comprehensive vehicle cover, third-party property damage, and public liability. To meet your needs, you can also add extras like driver accident cover or replacement vehicle options.
Why are vehicle rental insurance premiums higher than personal car insurance?
Rental car insurance premiums are higher due to the inclusion of car hire excess insurance costs and coverage for diverse driver risks. While auto rental insurance costs more than personal car insurance, it’s essential for compliance and financial protection.
What should I do if a customer damages a rental vehicle?
As timely reporting helps speed up claims and repairs, report the incident to your insurer immediately and provide rental agreements, driver details, and photos.
Have questions about coverage, claims, or anything in between? Our experienced staff are just a click or call away-reach out and let us guide you to complete peace of mind.
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