Insurance Information

Comprehensive coverage options for your rental vehicle

Vehicle Categories

Light Vehicles

Cars, people movers

Light Commercial Vehicles

Passenger vans (including 12-seater), mobility vans, cargo vans, utes

Heavy Vehicles

13+ seater minibuses, buses, trucks

Insurance Options

Option Vehicle Type Daily Cost Damage Excess
Standard Cover All vehicle categories $0.00 Up to $5,500
Reduced Excess Cover Light Vehicles $35.00 $1,000
Reduced Excess Cover Light Commercial Vehicles $35.00 $1,000
Reduced Excess Cover Heavy Vehicles $44.00 $1,000

What Is Covered (All Options)

Collision damage to the rental vehicle
Theft and vandalism
Weather-related damage (hail, flood, etc.)
Third-party property damage (up to NZD 250,000)
Mechanical failures not caused by driver negligence
Towing and salvage where applicable

What Is Not Covered

Damage while driving on unpaved or off-road surfaces
Damage to roof or underbody
Water damage
Damage caused by ignoring warning lights or signage
Damage caused while driving in breach of New Zealand road rules
Transmission or clutch damage due to improper use
Damage caused by unauthorised drivers
Ride-share or commercial misuse
Damage caused by smoking or open flames
Damage from incorrect fuel or additives
Lost keys

Windscreen & Tyres

Windscreen

Windscreen chips or cracks: Hirer is responsible for the insurance excess. If no windscreen add-on is taken, a $500 excess applies regardless of insurance option.

Tyres

Hirer is responsible for punctures or flats unless caused by fair wear and tear.

Important Insurance Rules

Insurance may be claimed once per hire only

After the first claim, excess reverts to standard excess for the remainder of the hire

A utilisation fee applies at 30% of the daily rate for each day the vehicle is off-fleet due to damage

Reduced excess does not apply to roof, underbody, or off-road damage

Full Terms & Conditions

This information is provided for reference and must be read together with our complete Rental Agreement Terms & Conditions.

Need More Information?

Phone

021 533 800

Email

info@guardiantransports.co.nz

Website

www.guardiantransports.co.nz