So that was on thing I was thinking about when I recently booked a car in Aus as well - my travel insurance has a coverage of SGD1000, excess on car insurance without buying the zero excess is AUD1000, just nice, no?
I learnt:-
- without the zero excess insurance by the car company, in case of any accident you pay the first 1k, then claim from the insurance company, i.e., you can get rejected by my insurer.
- in my case, when i went to the rental company, i found out that it was AUD1000 excess
per incident. On my travel insurance it was a cumulative sum.
- i was returning my car at night, and one of the clauses with my renter was that if you get into an accident at night and you don't have the zero excess insurance you'd have to wait for it to be assessed first, that is, in the morning.
I also was suay enough to get hit by a flying stone and had a small chip/ deep scratch on the windscreen quite early into my trip heh.