Car Rental Liability:
All vehicles come fully insured the standard liability is applicable to all, but a collision damage waiver (CDW) may be taken up to reduce this. Please be aware by reducing the liability it does not waive or reduce your liability under a single vehicle incident. If you wish to reduce single vehicle incident on certain vehicles only please read Gold cover listed below.

Vehicle Type Age Groups Standard Liability 1-7 Days 7 – 14
15 Days + Lowered Liability
Cars 25-75 $3750 $15.95 $12.95 $10.95 $300
21-24 $3750 $25.95 $25.95 $25.95 $1050
Utilities 25-75 $3750 $17.95 $17.95 $17.95 $500
21-24 $3750 $27.95 $27.95 $27.95 $1250
4WD (on road only) 25-75 $3750 $24.95 $24.95 $24.95 $750
8 Seat 25-75 $3750 $20.95 $17.95 $14.95 $500
21-24 $3750 $30.95 $30.95 $30.95 $1250
12 Seat & Vans 25-75 $3750 $20.95 $17.95 $17.95 $750
21-24 $3750 $32.95 $32.95 $32.95 $1500
21/25 Seat 25-75 $7500 $29.95 $29.95 $29.95 $750
21-24 $7500 $39.95 $39.95 $39.95 $1500
3 Tonne Trucks 25-75 $5000 $29.95 $29.95 $29.95 $990
21-24 $5000 $39.95 $29.95 $29.95 $1740
5,6 and 9 Tonne Trucks 25-75 $7500 $29.95 $29.95 $29.95 $990
 $ 21-24 $7500 $39.95 $29.95 $29.95 $1740
Sports & Prestige$ 25-75 $5000 $29.95 $29.95 $29.95 $990

PLEASE NOTE: If standard insurance is taken and hirer is over 25 years of age a pre authorisation is needed on the customer’s credit card. This amount will be frozen on the credit card for the term of the rental. If the customer chooses to lower the liability a pre authorisation is not needed.

If the hirer is under 25 years but over 21 years, a pre authorisation of $500 is needed. This amount will be frozen on the customer’s credit card for the term of the rental.

Car Rental Insurance Point 4WD liability when used off road will differ from the above schedule

All liabilities over $1000 must have credit card authorisation.

Car Rental Insurance Point Except Sports & Prestige vehicles, where a $1000 authorisation will be taken if lowered liability is taken.

Is available to customers who have purchased CDW. It is only available on cars and 8 Seater vehicles. This option includes Collision damage waiver and single vehicle waiver of $300 for cars and $500 for 8 Seater vehicles. Hail Damages and Theft is also included in this package as well as Windscreen, headlight and tyre protection

If you select the Zero Liability option than in the event of a motor vehicle accident you will not have to pay any liabiltiy- it will cover multi vehicle incidents, single vehicle incidents and windscreen damage. Please note this does not cover miscelanous damage or wilful damage to the vehicle or interior damage. It does not cover lost or stolen items from the vehicle such as tools, jack or spare tyre etc. It is only available to certain vehicles at this stage from specific locations and these are found on the booking/quote page under insurances.

In case of an accident the hirer will pay the liability outstanding regardless of whom was at fault. Once the other party admits fault and Andy’s Auto Rentals have been notified in writing that they will pay the full amount, then the liability will be refunded. If the hirer is at fault no refund will be given.

All accidents are to be reported to the Police immediately. Ensure all details of third parties are recorded at the scene. Report to Andy’s Auto Rentals immediately. Accident report forms can be found in the glove compartment and must be filled out and returned to Andy’s Auto Rentals within 24 Hours. Failure to do so could void all or part of insurance coverage. Do not admit liability. Our staff will assist with any difficulties.


Bodies and underbodies are not covered by insurance unless the vehicle is involved in a multi vehicle collision. If damaged in a single vehicle incident (Example: Drive under any object lower than the vehicle height, impact trees, buildings, awning etc, Damage underbody or any other damages) the full costs incurred to the vehicle and other property will be at the expense of the hirer/renter.


Option – No Waiver Taken
Liability in case of accident is at maximum of $3,000. This amount will be authorised against your credit card prior to rental, thereby ‘freezing’ your available funds for that amount over the duration of the rental period.

Cost – $0 (included in rental cost)

Option – Standard Waiver
Multi-vehicle accident liability reduced to $500. Single-vehicle accident liability remains at maximum amount of $3,000. $500 will be authorised against your credit card prior to rental, thereby ‘freezing’ your available funds for that amount over the duration of the rental period.

Cost – $25.95 per day

When towing it is the hirer’s responsibility to have the towed trailer insured, any damage caused by the trailer, to either the tow vehicle, the trailer, any third party property or personal injury will be the sole responsibility of the hirer.

Single vehicle incidents by example include but not limited to. Any over head damage, undercarriage, water, hail damage.  Only exception will be if the hirer has purchased Gold Cover on cars or 8 Seater vehicles only.

Abuse or negligence however caused is at the hirer’s risk and is not covered.