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Insurance Cover

Insurance Cover

All Kohi Campers rentals include insurance cover as standard. Here is everything you need to know about what is covered, what is not, and your options for additional protection.

What is included

Insurance cover is included in every rental. You do not need to arrange your own vehicle insurance for the rental period. Cover includes the Ford Ranger and the 600ATV Hardwall camper as a combined unit.

  • Third party liability cover included as standard
  • Damage to the rental vehicle covered subject to excess
  • AA 24/7 roadside assistance included with every rental

The excess

An excess applies in the event of a claim. This means that in the event of an accident or damage to the vehicle, you are responsible for the first portion of any repair or replacement cost up to the excess amount.

  • Standard excess: If no risk is selected when making the booking the excess is zero, if not then its $7,500 over 26 or $8,250 for under 26 years of age
  • The excess applies per incident, not per rental
  • The excess is payable at the time of the incident or on return of the vehicle

What is not covered

It is important to understand the exclusions that apply to your rental insurance. The following are not covered under any circumstances:

  • Off-road driving: insurance cover applies to legal public roads only, including unsealed and gravel roads. Driving off-road, on beaches, or on private tracks voids your cover entirely regardless of the circumstances
  • Driving under the influence: any incident occurring while the driver is under the influence of alcohol or drugs is not covered and the full cost of any damage is the responsibility of the renter
  • Unauthorised drivers: only drivers listed on the rental agreement are covered. Do not allow anyone not named on the agreement to drive the vehicle
  • Wilful damage: any damage caused intentionally or through gross negligence is not covered
  • Interior damage to the camper: damage caused by misuse of the camper facilities, including the kitchen, toilet, shower, and storage areas is the responsibility of the renter
  • Personal belongings: we do not cover loss or damage to personal items carried in the vehicle. We recommend arranging your own travel insurance to cover personal belongings
  • Towing incidents: if you are towing a trailer, boat, or other equipment, any damage to the towed item is not covered. Damage to the rental vehicle caused by a towing incident is assessed on a case by case basis

In the event of an accident or damage

If you are involved in an accident or the vehicle is damaged during your rental, follow these steps:

  1. Ensure everyone is safe. Call 111 if there are injuries or the road is blocked
  2. Do not admit liability to any other party involved
  3. Take photos of the damage and the scene from multiple angles
  4. Get the name, contact details, and insurance information of any other parties involved
  5. Contact us as soon as possible to report the incident
  6. Contact the AA on 0800 500 222 if roadside assistance is required
  7. Complete an incident report on return of the vehicle

Breakdown and roadside assistance

All rentals include AA 24/7 roadside assistance cover. If you experience a breakdown or mechanical issue during your rental:

  • Call the AA on 0800 500 222
  • Contact us directly so we are aware and can assist if needed
  • Do not attempt repairs yourself unless it is something simple such as a flat tyre

Roadside assistance covers mechanical breakdown and tyre changes. It does not cover incidents resulting from driver error, running out of fuel, or driving in conditions the vehicle is not suited for.

Travel insurance

We strongly recommend arranging comprehensive travel insurance for your trip. This covers personal belongings, medical expenses, trip cancellation, and other events not covered under the rental vehicle insurance. This is particularly important for international visitors.

Still have questions about cover?

Get in touch with us before your booking and we will walk you through exactly what is and is not covered for your specific trip.