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租车保险

中文版仅供参考,请以英文版为准
  • · 英文版

    Adelaide (West Torrens), SA AU 5950
    1 Coverage/Liability Protection

    Coverage/Liability Protection

    We are responsible to you for providing the vehicle in a good overall and operating condition and for replacing the vehicle in the event of breakdown, theft or accident (unless caused by a Prohibited Use). 

    Your responsibility is to care for, use and return the vehicle in the same condition it was in at the start of the rental.

    Damage or Loss per incident

    Responsibility:

    · If the vehicle is lost, stolen or damaged during the rental (eg. involved in an accident), you are responsible even if it was not your fault (eg. other driver's fault) except, and to the extent that:

    o the damage constitutes fair, wear and tear on the basis that it does not fall within the definition of "Damage" specified in the Definition of Damage Flyer provided to you at the start of your rental;

    o the loss or damage is directly due to our negligence or wilful default including our failure to properly maintain the vehicle; or

    o the damage or loss was caused by a third party and you have provided sufficient details about the third party and/or their insurer for us to recover the loss or damage from the third party and/or their insurer.  We may charge you the estimated damages or your applicable excess (whichever is less) and once the loss or damage is recovered, we will refund you; or

    o the damages comprise of personal injuries covered by compulsory third party insurance or a statutory transport accident compensation scheme.

    Incident Damages:

    If the vehicle is lost, stolen or damaged, you are responsible for:

    o the loss or damage to the vehicle;

    o the Hertz Claims Management Fee and External Damage Assessment Fee;

    o any towing and storage charges;

    o loss of rental income; and

    o other losses or expenses related to the incident,

    Up to the Accident Damage Excess (ADE) amount per incident. 


    Accident Damage Excess (ADE)

    Accident Damage Excess (ADE) is included in your rental rate and reduces your liability to us for loss or damage to the vehicle to the amount of the applicable excess listed below which applies to each incident of damage or loss caused.

    Examples of damage covered by ADE include:

    o Impact with a fixed or moving object (e.g. damage caused if you have an accident).

    o Loss of control of the vehicle

    o Natural events, such as snow, hail, flood or rock fall.

    o Fire caused by vehicle defect, including electrical fault, or from adjacent fire or explosion, criminal or terrorism acts.


     

    Accident Excess Amount

     

    Applicable Vehicles

     

    $4,800 inclusive GST

     

    2WD Vehicles

     

    $6,001 inclusive GST

     

    Prestige / Adrenaline Vehicles

     

    $6,001 inclusive GST

     

    4WD / AWD / Light Trucks & Vans

     

    $7000 inclusive GST

     

    Over 3 Tonne Vehicles

     

    $8250 inclusive GST

     

    Dream Collection


    Damage

    We aim to deal with a damage assessment in a quick and practical way by using a 3rd party repair assessment system. The damage assessment will ensure that you are accurately charged the relevant damage cost assessment. Although we may initially charge you an estimated amount or the applicable excess (whichever is less), we will reimburse you if the amount of the damage cost assessment is less than this.

    TASMANIA HAS A NON-WAIVABLE AUD $9900 EXCESS ON UNSEALED ROADS.

    OPTIONAL RENTER PROTECTION SERVICES

    We offer the option to purchase Optional Renter Protection Services which may reduce your liability for damages which occur during the rental period or result from your use of the vehicle.  Optional Rental Protection Services offered by Hertz are not insurance policies.

     AER, MAX, GLASS & TYRES

    Your liability to Hertz for loss of or damage to the vehicle

    ACCIDENT EXCESS REDUCTION (AER)

    AER is an optional product which reduces your liability to us in the event of loss of or damage to the vehicle from the ADE to the reduced amount specified on the Rental Agreement.

    MAXIMUM PROTECTION COVER (MAX)

    MAX is an optional product offered at selected locations and gives you peace ofmind for your rental by:

    · Eliminating your potential liability to us to pay up to the ADE for loss of or damage to the vehicle during your rental.  

    · Waiving your responsibility to us for the Hertz Claims Management Fee and External Damage Assessment Fee that would otherwise be payable.

    · Eliminating your potential liability for glass or tyre damage.

    · Amount per Day capped at 10 days in every 30 period.

     

    SUPERCOVER

     

    Choose Hertz SuperCover and enjoy zero excess, comprehensive vehicle and personal protection throughout your trip and much more.*

     

    What's Included?

     

    Vehicle Cover

    · Zero excess to pay for any damage to the vehicle, including glass and tyre damage

    · Waives your liability for loss/theft of the vehicle

    Premium Roadside Assistance (PRAC)

    · Assistance if you lose the keys or can’t access the vehicle

    · Assistance if you run the battery flat

    · Assistance if you run out of fuel

    · Flat tyre mounting service

    Personal Accident & Personal Effects (PA/PE)#

    · Cover for death or major injury to you or your passengers

    · Cover for non-Australian residents medical and hospital expenses

    · Cover for loss of or damages to possessions in vehicle

    Additional Drivers

    · No fees for additional drivers

    Young Drivers

    · No surcharge for drivers aged 21-24

    Early Return Fee

    · No fee charged if a vehicle is returned early

    Towing Fee

    · No additional charges for towing

    Location Fee

    · The SuperCover charges not being included in the calculation of the Location Fee.

    Administration Fees

    · General administration charges associated with claims processing, cleaning, infringement management and postage are included (excluding Tolls administration fees)

    What Isn't Included?

    · Tolls - Tolls and associated administration fees are not included

    · Fuel - Fuel is not included

    · Infringements - Speeding fines, parking fines and other infringements will be on-charged to the customer


    SuperCover is available from $46 per day on Hertz standard vehicles, from $60 per day on Prestige and Adrenaline Collections, and from $68 per day on 4WD, Light Commercial vehicles and Vans.*

     

     

    *SuperCover is available at selected locations and prices vary depending on vehicle category. Prices include GST. SuperCover is not available on Dream Collection vehicles or heavy commercial vehicles. SuperCover will not apply in the event that the vehicle is used for a prohibited use in breach of the Hertz Australia terms and conditions.


    #PA/PE Cover is for the renter and up to 12 occupants in the Hertz vehicle and can only be acquired in conjunction with a rental for a Hertz vehicle. Exclusions, conditions and excesses apply. All claims subject to cover limits. A Product Disclosure Statement and Financial Services Guide available at www.hertz.com.au/pape contain the terms and conditions. Information and advice provided about PA/PE cover is general only and does not take account of your personal objectives, financial situation or needs. Before acting on it, consider the appropriateness of it to your objectives, financial situation or needs. Statutory transport accident compensation schemes also cover death or personal injury in the event of an accident.

     

     GLASS & TYRES (G&T)

    G&T is an optional product, which eliminates your potential liability to us for standalone damage to the vehicle’s windscreen, windows, wheels or tyres only.

    If you do not purchase G&T, you will be charged for standalone damage to glass and tyres in accordance with the charge list that can be found here.

    PERSONAL ACCIDENT/ PERSONAL EFFECTS (PE)

    Protection for loss of/ damage to your possessions

    PA/PE is an optional insurance designed to meet the demands and needs of those seeking cover for risks not met by the above Optional Renter Protection Services. Cover is provided for all occupants of the vehicle for:

    · Damage to or loss of personal possessions in the vehicle.

    · It also covers death, injury and medical expenses to you or your passengers when using the vehicle. Note: statutory transport accident compensations schemes operate in each State or Territory which cover personal injury in the event of an accident, subject to the conditions and limitations of those schemes.

    · Exclusions, conditions and excesses apply. All claims subject to cover limits

    For full details of PA/PE cover, please read the Product Disclosure Statement here.

    PREMIUM ROADSIDE ASSISTANCE COVER (PRAC)

    Your liability to Hertz for breakdown costs (which are your fault)

    PRAC is an optional product which supplements the Roadside Assistance included in your rate. It provides cover for the vehicle recovery and call out costs you would otherwise be responsible for if the reason for the breakdown or call out was your fault. PRAC does not cover the cost of replacing tyres, battery or other parts.


    Theft

    If the vehicle is stolen, you are responsible up to the level of Accident Damage Excess for:

    o the loss or damage to the vehicle;

    o the Hertz Claims Management Fee and External Damage Assessment Fee;

    o any towing and storage charges;

    o loss of rental income; and

    o other losses or expenses related to the incident,

    If an optional service is accepted then a reduced excess applies.

    Repossession of the vehicle

    · If you fail to return the vehicle to Hertz when required under the Rental Agreement (other than due to theft or an accident), then following a written demand to you to return the vehicle,

               (i) Hertz may take steps to recover and repossess the vehicle where and when it is found. You authorise Hertz to enter any premises owned or                             occupied by you in order to recover or repossess the vehicle and you agree to make all reasonable efforts to obtain the right for Hertz to enter any                 premises to recover and repossess the vehicle; and/or

               (ii)May deem the vehicle stolen and report it stolen.  Hertz may then de-register the vehicle and you will be responsible for any & all loss (including                     third party personal and property damage associated with the vehicle).

    · You will be responsible for the rental charges, loss or damage to the vehicle (up to the full value of the car), the Hertz Claims Management Fee, External Damage Assessment Fee, any towing and storage charges, loss of rental income, any repossession charges incurred to recover the vehicle and other losses or expenses related to the incident.

    · This liability to us will not be limited to the ADE or AER amounts and MAX will not apply to eliminate this liability.

    · If you fail to return the vehicle (other than due to theft or an accident), you are responsible for our loss, damage, expenses and other fees.

    · Any Optional Renter Protection Services you may have purchased will not apply to reduce or limit this liability.

    Optional Renter Protection Services

    Available to purchase when you collect the vehicle is an optional renter protection service. 

    Hertz Gold Plus Rewards members are able to update their preferences in their membership profile online under Vehicle Preferences – Coverage options.  

    Any Optional Renter Protection service selected are charged per day.  Maximum Protection Package (MAX)  is capped at 10 days in every 30 day period.

    If theVehicle is used for a Prohibited Use, to the extent allowed under applicable law, your liability will not be limited to the ADE and our Optional Renter Protection Services will be void. For the full list of Prohibited Uses refer to the Terms and Conditions.

    *For full Terms and Conditions, please click here.

    2Liability Protection

    LIABILITY PROTECTION

    Please refer to 'Coverage/Liability Protection' and 'Rental Restrictions' under Qualifications and Requirements.

    *For full Terms and Conditions, please click here.

    3Personal Accident/Personal Effect Cover

    PA/PE is an optional cover designed to meet the demands and needs of those seeking cover for risks not met by the above Optional Renter Protection Services. Cover is provided for all occupants of the vehicle for:

    · Damage to or loss of personal possessions in the vehicle.

    · It also covers death, injury and medical expenses to you or your passengers when using the vehicle. Note: statutory transport accident compensations schemes operate in each State or Territory which cover personal injury in the event of an accident, subject to the conditions and limitations of those schemes.

    For full details about PA/PE view the Product Disclosure Statement

     

    l Accident Damage Excess

    l Accident Excess Reduction (AER)

    l Insurance and Other Coverages

    l Loss Damage Waiver (LDW)

    l Personal Accident Insurance (PAI)

    l Personal Effects Coverage (PEC)

    1Accident Damage Excess

    Accident Damage Excess

    Rates include LDW which provides cover for theft and/or damage to the Hertz vehicle and/or Third Party Property, as long as you comply with the rental terms and conditions.

    In the event of damage, an Accident Damages Excess (ADE) will apply per incident regardless of fault. This is the amount the renter contributes towards the loss or damage.

    The ADE is currently -

    · $4,200.00 inc GST for car classes B2, D, E, F, G and J

    · $5,200.00 inc GST for car classes H, J2, K, L, M, U4, V, V1 and X 

    · $7,200.00 inc GST for car class M5 
    In the event of any damage, the full ADE amount will be charged to the renter's nominated Credit Card, should the renter choose not to reduce their excess with either SuperCover, MAX or Accident Excess Reduction (AER).

    Once the vehicle is returned, should no damage have been incurred, no excess will be charged.

    Cash hires are required to leave the full ADE amount, plus a bond of NZD $300 at pick-up, should the renter choose not to reduce their excess with either Renter Protection Package (PKG) or Accident Excess Reduction (AER).

    For full Terms and Conditions, please click here.

     2、Accident Excess Reduction (AER)

    Accident Excess Reduction (AER)

    AER reduces the Accident Damage excess* to -

    · $600.00 for Vehicle Classes B2, D, E, F, G and J 

    · $1,000.00 for Vehicle Classes H, J2, K, L, M, U4, V, V1 and X

    · $1,500.00 for Vehicle Class M5

    AER cost* is-

    · $30.00 per day inc GST for Vehicle Classes B2, D, E, F, G and J

    · $36.00 per day inc GST for Vehicle Classes H, J2, K, L, M, U4, V, V1 and X 

    · $40.00 per day inc GST for Vehicle Class M5

     *Corporate rates may vary so please check at time of reservation.

    For full Terms and Conditions, please click here.

    3Insurance and Other Coverages

    Insurance and other Coverages

    When you rent a Hertz car while traveling within New Zealand, it is important to know that you are protected in the event of an accident.

    Liability Cover

    Hertz provides NZD $10,000,000 liability cover toward property belonging to a 3rd party excluding passengers in the Hertz vehicle.

    Loss Damage Waiver (LDW)

    Rates include LDW which provides cover for theft and/or damage to the Hertz vehicle and/or Third Party Property, as long as you comply with the rental terms and conditions.

    In the event of damage, an Accident Damages Excess (ADE) will apply per incident regardless of fault. This is the amount the renter contributes towards the loss or damage.

    The ADE is currently  - 

    · $4,200.00 inc GST for car classes B2, D, E, F,G and J

    · $5,200.00 inc GST for car classes H, J2, K, L, M, U4, V, V1 and X 

    · $7,200.00 inc GST for car class M5 

    In the event of any damage, the full ADE amount will be charged to the renter's nominated Credit Card, should the renter choose not to reduce their excess with either SuperCover, MAX or Accident Excess Reduction (AER).

    Optional Renter Protection Services

    At selected locations, you may purchase Optional Renter Protection Services to increase your level of cover. For the highest level of cover, Hertz recommend the SuperCover Package.

    SuperCover

    Super Cover reduces the Accident Damage Excess to ZERO and includes the following:

    · Personal Accident Insurance/Personal Effects Cover (PAI/PEC) 

    · Premium Roadside (PRAC) 

    · Young Driver Surcharge

    SuperCover cost* is -

    · $46.00 per day inc GST for Vehicle Classes B2, D, E, F, G and J 

    · $52.00 per day inc GST for Vehicle Classes H, J2, K, L, M, U4, V, V1 and X

    SuperCover is not available on Vehicle Class M5.

    Accident Excess Reduction (AER)

    AER reduces the Accident Damage excess to: -

    · $600.00 for Vehicle Classes B2, D, E, F, G and J 

    · $1,000.00 for Vehicle Classes H, J2, K, L, M, U4, V, V1 and X

    · $1,500.00 for Vehicle Class M5

    AER cost* is:

    · $30.00 per day inc GST for Vehicle Classes B2, D, E, F, G and J

    · $36.00 per day inc GST for Vehicle Classes H, J2, K, L, M, U4, V, V1 and X 

    · $40.00 per day inc GST for Vehicle Class M5


    Personal Accident Insurance (PAI)

    PAI is available only as part of SuperCover and provides the authorised driver and/or passenger/s, compensation for accidental death or bodily injury (as specified in the policy) caused by an accident in connection with the rental vehicles.

    PAI provides benefits up to a maximum cover of NZD $100,000 (The Compensation) for accidental death or bodily injury (as specified in the policy) for the authorized driver and/or passenger/s (exclusions apply).

    The maximum amount payable for a passenger shall be 10% (Ten Percent) of The Compensation and the balance of the compensation shall be payable to the authorised driver.

    PAI is not available to renters 80 years or older.

    Personal Effects Cover (PEC)

    PEC is available only as part of SuperCover and provides benefits to the authorized driver and traveling companions for loss or damage to baggage and personal belongings.

    · Limit any one article NZD $1,031.40 (inc GST) 

    · Limit per vehicle for authorised driver NZD $3,043.00 (inc GST)

    · Limit per vehicle for authorised driver & passengers NZD $6,062.65 (inc GST)

    *Corporate rates may vary so please check at time of reservation.

    For full Terms and Conditions, please click here.

    4、Loss Damage Waiver (LDW)

    Loss Damage Waiver (LDW)

    Rates include LDW which provides cover for theft and/or damage to the Hertz vehicle and/or Third Party Property, as long as you comply with the rental terms and conditions.

    In the event of damage, an Accident Damages Excess (ADE) will apply per incident regardless of fault. This is the amount the renter contributes towards the loss or damage.

    The ADE is currently -

    · $4,200.00 inc GST for car classes B2, D, E, F, G and J

    · $5,200.00 inc GST for car classes H, J2, K, L, M, U4, V, V1 and X 

    · $7,200.00 inc GST for car class M5 
    In the event of any damage, the full ADE amount will be charged to the renter's nominated Credit Card, should the renter choose not to reduce their excess with either SuperCover, MAX or Accident Excess Reduction (AER).

    Once the vehicle is returned, should no damage have been incurred, no excess will be charged.

    Cash hires are required to leave the full ADE amount, plus a bond of NZD $300 at pick-up, should the renter choose not to reduce their excess with either Renter Protection Package (PKG) or Accident Excess Reduction (AER).

    For full Terms and Conditions, please click here.

    5 Personal Accident Insurance (PAI)

     Personal Accident Insurance (PAI)

    PAI is available only as part of SuperCover and provides the authorised driver and/or passenger/s, compensation for accidental death or bodily injury (as specified in the policy) caused by an accident in connection with the rental vehicles.

    PAI provides benefits up to a maximum cover of NZD $100,000 (The Compensation) for accidental death or bodily injury (as specified in the policy) for the authorized driver and/or passenger/s (exclusions apply). The maximum amount payable for a passenger shall be 10% (Ten Percent) of The Compensation and the balance of the compensation shall be payable to the authorised driver.

    PAI is not available to renters 80 years or older.

    For full Terms and Conditions, please click here.

    5 Personal Effects Coverage (PEC)

    Personal Effects Cover (PEC)

    PEC is available only as part of SuperCover and provides benefits to the authorized driver and traveling companions for loss or damage to baggage and personal belongings. 

    · Limit any one article NZD $1031.40 (inc GST) 

    · Limit per vehicle for authorised driver NZD $3043.00 (inc GST)

    · Limit per vehicle for authorised driver & passengers NZD $6062.65 (inc GST)

    For full Terms and Conditions, please click here.

  • · 中文版

    了解车辆保险是租车的一个非常重要的环节。预订车辆时,一定要非常清楚价格里是否已包括保险,以及包含哪些保险。为了让中国旅客更好地了解境外租车保险,我们总结如下,供您参考。您可以根据自己的需要,在预订或取车柜台购买。温馨提示:赫兹提供的全险套餐比单独购买保险更划算


    美国

    1. 有限的第三者责任 (Limited Third Party Liability)

    赫兹美国的车辆在加利福尼亚州 (驾照地址需非美国),马塞诸塞州,密歇根州,纽约州,南卡罗纳州,弗吉尼亚州,以及西弗吉尼亚州提供有限的基本第三者责任险。如果发生事故,第三者赔偿额将按照各州标准执行,各州赔偿标准,详询赫兹门店。其他州建议客人购买补充第三者责任险(LIS),以规避第三者责任。
    2. 补充第三者责任 (Liability Insurance Supplement – LIS)
    在美国加利福利亚以及佛罗里达州,该保险承保第三者索赔高达200万美元 (包括第三者身体损伤及财物破损),在美国其他州,该保险承保第三者索赔额最高为100万美元。
    3. 车损盗抢险 (Loss Damage Waiver – LDW)
    承保由于车辆碰撞和盗抢所造成的车辆损失,租车人通常无需承担责任。
    4. 个人事故保险 (Personal Accident Insurance - PAI)
    对租车期间发生的人身意外伤亡给予一定的补偿。其保险范围包括您及赫兹车内的乘客,事发后需要报警登记。
    5. 个人财产保险 (Personal Effect Coverage - PEC)
    对租车期间发生丢失或损失的行李和个人物品(不包括现金)提供一定的赔偿。事发后需要报警登记。

    加拿大
    1. 第三者责任险 (Third Party Liability)
    赫兹在加拿大所有车辆都承保了100万加元的第三者责任险,包括第三者人身伤害及财产损失。
    2. 车损盗抢险 (Loss Damage Waiver – LDW)
    承保由于车辆碰撞和盗抢所造成的车辆损失,车辆免赔额度 500加元起,车辆不同免赔额会不同。
    3. 车损盗抢责任降低保险(Deductible Waiver - DW)
    上面LDW说到,发生车损盗抢的状况,租车人仍然需要承担一部分责任。但是,如果购买了DW,就可以免除了。目前,该保险只能在取车门店购买。
    4. 个人事故保险 (Personal Accident Insurance - PAI)
    对租车期间发生的人身意外伤亡给予一定的补偿。其保险范围包括您和您的乘客,事发后需要报警登记。
    5. 个人财产保险 (Personal Effect Coverage - PEC)
    对租车期间发生丢失或损失的行李和个人物品(不包括现金)提供有限的赔偿。事发后需要报警登记。


    欧洲大部分国家
    (如德国、法国、英国、西班牙、比利时、瑞士)


    1. 第三者责任险 (Third Party Liability)
    德国/法国/英国/西班牙/比利时/瑞士:所有价格都包含了赔偿无上限的第三者责任险,也就是任何来自第三方的索赔(包括人身伤害或者财产损失的索赔),赫兹都将负责赔偿。
    2. 车辆碰撞险 (Collision Damage Waiver - CDW)
    承保由于车辆碰撞所造成的车辆损失,租车人有最低责任,根据所租车型不同,一般在850-15,000欧元,超出的部分才由保险公司承担。
    3. 盗抢险 (Theft Protection – TP)
    承保由于盗窃或企图盗窃的事件中对车辆造成的损失,租车人有最低责任,根据所租车型不同,一般在850-15,000欧元。
    4. 超级保护计划 (Super Cover – SC)
    如果发生车辆碰撞或丢失,租车人通常无需承担任何责任(车顶,轮胎,地盘,玻璃除外)。
    5. 个人事故保险 (Personal Accident Insurance - PAI)
    对租车期间发生的人身意外伤亡给予一定的补偿。其保险范围包括您和您的乘客。
    6. 个人财产保险 (Personal Effect Coverage - PEC)
    对租车期间发生丢失或损失的行李和个人物品(不包括现金)提供有限的赔偿。


    澳大利亚 
    赫兹在澳大利亚的多数车辆已强制承保第三者责任,车损险和盗抢险(Loss Damage Liability - LDL),但是租车人有5900-7900澳元的最低责任。
    1. 减少最低责任险 (Loss Damage Waiver - LDW)
    该保险适用于澳大利亚,购买该保险后,租车人只需承担1500-2500澳币的最低责任。
    2. 全面保护计划 (Maximum Damage Waiver - MDW)
    该保险适用于澳大利亚,购买全面保护计划,租车人通常将不再承担任何责任 。任何因疏忽驾驶而造成的车辆损失及丢失除外。任何由于错误添加车辆燃油,遗失赫兹特殊设备及弄丢车辆钥匙除外。

    新西兰 
    赫兹在新西兰的车辆已强制承保第三者责任,车损险和盗抢险(Loss Damage Liability - LDL),但是租车人有5900-6900新西兰元的最低责任,具体某一车型的最低责任,详询赫兹门店和预订中心。
    1. 减少最低责任险 (Loss Damage Waiver - LDW)
    该保险适用于新西兰,购买该保险后,租车人只需承担1500-2500新西兰元的最低责任。
    2. 全面保护计划(Maximum Damage Waiver - MDW)
    该保险适用于新西兰,购买全面保险计划,租车人通常将不再承担任何责任,任何因疏忽驾驶而造成的车辆损失及丢失除外。任何由于错误添加车辆燃油,遗失赫兹特殊装备及丢失车辆钥匙除外。

    以上内容仅供参考,以取车门店最终解释为准。

    出险时候怎么办 – 分三步

    1打当地报警电话,生成Police Ticket Number

    2打租车公司当地客服电话,生成Emergency Number

    3打取车门店电话

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