Rental Car Insurance Made Simple
At Shore Rentals, we believe rental car insurance should be easy to understand. That’s why every vehicle rental includes a Loss Damage Waiver (LDW), helping reduce your financial liability if your rental vehicle is damaged, stolen, or involved in an accident during your hire period.
Whether you’re hiring a compact car, SUV, or 8-seater people mover, our Auckland car rental insurance options provide peace of mind so you can enjoy your trip with confidence.
What Is Included With Every Rental?
All Shore Rentals vehicles include a standard Loss Damage Waiver (LDW) at no additional cost.
The LDW reduces your responsibility from the full replacement value of the vehicle to a standard excess amount.
This means that if the vehicle is damaged, stolen, or involved in an accident, your liability is limited to the applicable excess outlined in your rental agreement, provided you comply with our rental terms and conditions.
| Included With Every Rental | Optional Upgrade |
|---|---|
| Loss Damage Waiver (LDW) | Accident Excess Reduction |
| Included Free | Additional Daily Fee |
| Excess up to $4,000-$5,000 | Excess reduced to $400-$500 |
Standard Excess Amounts
The standard excess varies depending on the vehicle category:
Economy, Compact & Intermediate Vehicles
- Toyota Yaris
- Holden Spark
- Ford Focus
- Mazda 3
Standard Excess: NZ$4,000
SUVs
- Kia Seltos
- Kia Sportage
- Mazda CX-5
Standard Excess: NZ$4,500
Large SUV & 8 Seater People Movers
- Mazda CX9
- Kia Carnival
Standard Excess: NZ$5,000
Reduce Your Excess for Extra Peace of Mind
For additional protection, you can choose our Accident Excess Reduction (AER) option when booking your rental vehicle.
This optional cover significantly reduces your financial liability should an accident occur.
Reduced Excess Amounts
| Vehicle Type | Standard Excess | Reduced Excess |
|---|---|---|
| Economy & Compact Cars | $4,000 | $400 |
| SUVs | $4,500 | $450 |
| Kia Carnival | $5,000 | $500 |
Many customers choose excess reduction when planning longer road trips around Auckland, the North Island, or New Zealand.
Why Add Excess Reduction?
Benefits include:
- Lower financial risk if an accident occurs
- Greater confidence when driving in unfamiliar areas
- Extra peace of mind during family holidays
- Protection against unexpected repair costs
- Ideal for visitors travelling throughout New Zealand
Important Insurance Exclusions
As with all rental vehicle insurance policies, some situations are not covered.
Cover may be void if:
- The driver is not authorised on the rental agreement
- The vehicle is driven under the influence of alcohol or drugs
- Damage occurs through reckless or dangerous driving
- The vehicle is used outside the terms of the rental agreement
- Traffic laws are breached
Please refer to our full Terms and Conditions for complete details.
Personal Belongings & Personal Injury
Shore Rentals’ vehicle insurance does not cover:
- Personal belongings left in the vehicle
- Loss or theft of personal items
- Personal injury
Visitors travelling in New Zealand are generally covered for accidental injuries through New Zealand’s Accident Compensation Corporation (ACC) scheme.
Why Choose Shore Rentals?
When you hire a vehicle from Shore Rentals, you receive:
✓ Loss Damage Waiver included with every rental
✓ Optional excess reduction available
✓ Modern, well-maintained vehicles
✓ Friendly local Auckland service
✓ Competitive rates with no hidden surprises
✓ Convenient North Shore location
Our goal is to make hiring a vehicle in Auckland simple, transparent, and stress-free.
Frequently Asked Questions
Is insurance included with my rental car?
Yes. Every Shore Rentals vehicle includes a Loss Damage Waiver (LDW), which reduces your liability to a standard excess amount.
What is the difference between LDW and Excess Reduction?
LDW is included with your rental and reduces your liability from the full vehicle value to a standard excess. Excess Reduction is an optional upgrade that lowers that excess even further.
Can I reduce my excess?
Yes. You can purchase Accident Excess Reduction when booking your vehicle.
What happens if I damage the rental vehicle?
Provided the rental agreement terms have been followed, your liability will be limited to the applicable excess amount.
Does rental car insurance cover my personal belongings?
No. Personal belongings are not covered and should be protected by your own travel insurance policy.
Can international visitors purchase excess reduction?
Yes. International visitors and New Zealand residents can both choose Accident Excess Reduction.