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Thrifty Australia insurance

If things are lost or damaged, here's what we'll cover
Standard Cover ("SC"): You will have the cover provided in Clause 7 below subject to the conditions and exclusions. Renter Protection ("RP"): If You choose Renter Protection You will be provided Standard Cover. In addition Your Loss or Damage Liability Fee is reduced to the amount stated on the RA. Other Liability Fees continue to be payable where applicable.
Premium Protection ("PP"): If You choose Premium Protection You will be provided. In addition the Single Vehicle Accident Liability Fee is not payable and tyre and windscreen damage described in 9(4) is covered when accidental.


Here's what we call Standard cover for your vehicle
We will pay for the amount of any accidental loss or damage to Our Vehicle (including prior accident value or repair costs), Our assessment fees, towing and storage fees, Our legal and investigative expenses, Our loss of rental revenue and Our service charges. We will also pay for any amount which You are legally held liable to pay, as a result of an accident caused by Your use of the Vehicle, for loss or damage to property other than any property owned by You (or any relative, associate, passenger or any person known to You) or any property in Your physical or legal control. The Standard Cover is subject to conditions and exclusions below.
We'll pay Standard Cover, subject to the following list

1. You not being in breach of any terms or conditions contained in or implied by this RA.
2. Your payment (in respect of each separate incident), regardless of cause/fault, of the Loss or Damage Liability Fee and where applicable, Area of Use Liability Fee in the RA.
3. Your payment (in respect of each separate incident), regardless of cause/fault, of the Single Vehicle Accident (SVA) Liability Fee stated on the RA where the incident covered is an SVA, being an incident in which:
4. no other motor vehicle is involved (e.g. rollovers, collisions with animals, trees, pedestrians etc)
5. another motor vehicle is involved but:-
6. that other motor vehicle or its driver has not been identified to Us; or
7. at the time of the incident the Vehicle was moving in reverse and that other motor vehicle was stationary; or
8. at the time of the incident that other vehicle was parked.
9. You will promptly report to Us and the police or other relevant authority, and in any event within 24 hours, any incident involving loss or damage to the Vehicle or any other property or injury to any person.
10. You providing such information and assistance as may be requested by Us and if necessary, authorising Us to bring, defend or settle legal proceedings. However, We shall have sole conduct of any such proceedings.
11. You giving to Us immediately every summons, complaint, demand or notice in relation to any loss or damage.
12. You submitting to any tests required by the police to determine the concentration of alcohol or drugs in Your blood.
13. You not leaving or decamping an accident without providing full particulars to all relevant persons and authorities.
14. You not being covered under any policy of insurance covering the loss or damage in which case You will not be covered by Us.


What's not in Standard Cover?
Damage Not covered:

1. Damage or loss arising from Theft, where the Vehicle is left unlocked or unsecure or You have not kept the keys secure.
2. Damage or loss where the Vehicle is totally or partially immersed in water regardless of cause.
3. Damage or loss to the interior of the Vehicle, which requires professional cleaning, deodorising or repair.
4. Damage or loss to the tyres, such as punctures, cuts, abrasions or to the windscreen such as chips, cracks and stars.
5. Damage or loss to tyres caused by use on construction sites, mines and unsealed roads.
6. Overhead damage being damage or loss sustained to the Vehicle or any other property caused by driving the Vehicle into or under any object of the same or a greater height than the base of the Vehicles front windscreen.
7. Damage or loss caused to any part of the pantech or box section or convertible roof.
8. Damage or loss to the undercarriage of the Vehicle or to any other property arising from contact between the undercarriage and any object, obstruction or road surface regardless of cause. The undercarriage means any exposed components including but not limited to, wheels and tyres, engine, transmission, sumps, differential, suspension, exhaust system, fuel tank, floor pan, tailgate lifters and ramps or any other mechanical or structural item.
9. Damage or loss to the tailgate lifter, ramps and associated equipment during usage of those items.
10. Damage or loss caused to the Vehicle or third party property by You driving the Vehicle, after the Vehicle has sustained radiator fluid loss, transmission or engine oil loss or loss of tyre pressure.
11. Damage or loss to the Vehicle or third party property caused by You failing to secure properly any load or equipment.
12. Damage or loss caused to the Vehicle or third party property by loading or unloading to or from the Vehicle.
13. Damage or loss to the Vehicle deliberately caused by You or by You using the Vehicle in a dangerous or reckless manner.
14. Damage or loss to the Vehicle whilst being transported, ferried or towed without Our authority, or whilst the Vehicle is taken off the mainland or across any waterway whatsoever or used in any unauthorised area.
15. The cost of towing or salvage of the Vehicle in or from a remote or sparsely populated area.
16. Damage or loss caused to the Vehicle through the use of snow-chains or roof racks.
17. Costs or expenses incurred including legal costs (on a full indemnity basis) and interest as a result of Your failure to deliver immediately every summons, complaint, demand or notice in relation to any loss or damage.
18. Damage or loss to any personal property owned by You (or any relative, associate, passenger or any person known to You) or in Your possession.

Preferred Protection Levels – AUSTRALIA WIDE
Standard Cover (SC)
All Thrifty vehicles have Standard Cover, which indemnifies the Thrifty Hirer, and Authorised Driver for damage caused to the Thrifty vehicle and third party property. Standard Cover is included in the daily rate. This includes an excess - please see table below.

Damage Recovery Fee 
A Damage Recovery Fee is payable for ANY loss or damage regardless of cause/fault (i.e. whether it results from accident damage, hail damage, theft etc). The liability fee is payable for EACH SEPARATE incident of damage. Please refer to the Renter Protection Services Matrix.

Single Vehicle Accident Recovery Fee (SVA)
A single vehicle accident (SVA) means an accident in which (a) no other motor vehicle is involved (e.g. rollovers, collisions with animals, trees, pedestrians etc) (b) another motor vehicle is involved but that other vehicle or its driver has not been identified or that the other vehicle was stationary.
The Single Vehicle Accident Liability Fee applies in addition to the Damage Recovery Fee

The SVA fee is removed for metro locations only – SVA always applies to country and remote locations.

Premium Protection (PP)
Premium Protection includes Standard Cover and reduces Damage Recovery Fee.

The Single Vehicle Accident Recovery Fee is NOT reduced and Accidental Tyre and Windscreen Damage are NOT covered.

Ultimate Protection (UP)
Ultimate Protection includes Standard Cover, Accidental Tyre and Windscreen Damage. The Damage Recovery Fee and Single Vehicle Accident Recovery Fee are reduced to NIL.

This option is only available from participating Metropolitan locations. It is not available to Underage Drivers (21-24 years) and not available on 4WDs and Buses.

Renter Protection Services Matrix - Australia Wide

Security Bond
Thrifty will require a security deposit of between $385 and $1100 from your clients upon collection of the vehicle to cover additional charges eg fuel, additional kms and liability waiver. This deposit can be paid by any internationally recognised credit card. An imprint of the card and the deposit will be taken on pick up of the vehicle. The credit card must be in the name of the authorised renter of the vehicle.

Renter Protection Services Matrix - Northern Territory, Broome & Kununurra

Only the MVA is reduced to $1,100, the SVA remains at $5,500

NT, Broome and  Kununurra
The Single Vehicle Accident Liability (SVA) is non reducible on 4WD’s
Tyre and Windscreen Coverage is included for passenger vehicles when PP is taken.

Accidental Tyre and Windscreen damage is NOT covered on any Bus, Truck or 4WD hire
Any damage sustained to the vehicle whilst driving on Larapinta and Namatjira Drive (Mereenie Loop Road) is subject to the standard damage liabilities of $5,500 for a multi vehicle accident and single vehicle accident. Any additional liability reducer purchased does not apply for travel on these roads

4WD Liability Charge Matrix - Fraser Island
This fee applies only to rentals on Fraser Island and replaces the standard PP charge

Note:
The daily charge of $28, which reduces the standard liability, also includes the reduction of the Single Vehicle Accident (SVA) Liability. An additional $550 security bond is collected at the start of the rental and will be refunded on completion of the rental, subject to the vehicle being returned without damage. A $100 cleaning fee will apply to all rentals taken to Fraser Island.

Exclusions:
Undercarriage damage, roll over damage, submersion damage, reversing damage, tyres and windscreen damage.