Rental Car
Excess Insurance

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What is Rental Car Excess Insurance?

Rental car excess insurance is your seatbelt while driving a rental vehicle. It provides coverage for a range of unexpected events to cover the excess you might be liable for, including damage to the car, and theft.

In short, it’s your protection on the road for any bumps along the way.

Why Should You Get Rental Car Excess Insurance?

Here’s why you should always have excess insurance when renting a car:

Rental Car Excess can be expensive

Rental car excess for damage or theft can reach into the thousands of dollars. Without extra insurance, you could be liable for that amount if something goes wrong.

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Accidents happen

Even the best drivers can find themselves in unfortunate situations. Whether it's a minor scratch or something more serious, rental car excess insurance gives you greater peace of mind.

Theft protection

If your rental car is stolen, insurance steps in to cover the excess costs, and cover for the rental car excess means you won’t be left paying out of pocket.

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A better value solution

Most rental companies offer insurance and paid options to reduce excess, but this is often a pricier way to cover the gap.

Everything You Need to Know About Rental Car Excess Insurance

What does rental car excess insurance cover?

Rental car excess insurance typically covers the excess payable for your rental car for damages to the vehicle and theft.

How much does rental car excess insurance cost?

Costs depend on the rental period and your destination.

Is rental car excess insurance mandatory?

While not always mandatory, many rental companies recommend some form of coverage, with their options for excess insurance at the rental desk often being very expensive. It’s wise to double-check your policy details.

Do I need excess insurance for every rental?

Yes, it’s always recommended. Whether you’re renting for a day or a week, rental vehicle excess insurance provides protection from unexpected costs and complications.
We’ve covered the basics in the FAQs, but you’re probably wondering exactly what Butter Insurance protects you from.

Drive with Confidence

No matter where your rental car takes you, the open road can come with unexpected twists—accidents, theft, or damage.

With Butter’s Rental Car Excess Insurance, you can explore confidently knowing you’re protected.

Whether you're cruising scenic routes or navigating busy city streets, we’ve got your back from start to finish. Focus on enjoying your drive, and let us handle the rest.

What you're covered for

Emergency Medical & Hospital
COVID Medical
Cancellation and Interruption
Baggage
Accidental Death & Disability
Emergency Rapatriation
Personal Liability
Dental
Passport & Travel Documents
Travel Delay

Why choose Butter?

Got your back
24/7 Emergency Assistance

Get sick or injured in a place where no one knows your name can be scary. We get it and want to make sure you don't feel alone.
We have team on call around the clock, so that even if it's 2am in Seminyak Square, we've got your back.

Fast claims
We've made claims easy

Our fully online claims service means you can lodge a claim easily and efficiently within your account.
Backed by a world-class customer care experience, our aim is get your claim resoled as quickly and painlessly as possible.

Low excess
$0 excess on most things

We know if you make an insurance claim, paying an excess is the last thing you want to do.
That's why you'll pay no excess on any of our add on packages, or for claims on things like travel delay, personal accident, personal liability & more.

Travel with kids
Take your kids with you

If you're traveling with little ones (or not so little anymore ones), they're covered under your policy for a nominal charge, up until the age of 18.
So you can spend more time making memories and less time worrying about accidents happening.

Insurance for
Rental Cars Excess

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Top Destinations We Love (And Cover!)

There’s a whole world out there waiting for you! Here are a few top spots Butter Insurance covers:
Bali – Relax on beautiful beaches or explore lush jungles, all while knowing you’re covered for Bali belly and thieving monkeys!
Europe – From sipping wine under the Eiffel Tower to skiing in the Alps, Europe offers endless adventures.
Fiji – Crystal clear waters, tropical breezes, and friendly locals. Paradise, with peace of mind.
Japan – Explore the neon streets of Tokyo or soak in a hot spring at the base of Mount Fuji.

Still got questions?

Butter Insurance has your back. Reach out to our support learn for anything related to your Bali trip plans, coverage or claim.

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