Insurance

Hirer’s liability

Lucky Rentals requires a bank pre-authorisation of the excess/bond amount (or a NZ$250 minimum whichever is greater) from the hirer’s credit or debit card.

The hirer is liable for all damages to the vehicle regardless of who is at fault. If the hirer is not at fault, and a third party admits liability, then a refund will be processed upon receipt of payment from the third party. The hirer is liable for all damages to a third party vehicle and/or property if the hirer is at fault.

The hirer’s liability is covered by Lucky Rentals’ insurance policy to a maximum of NZ$5,000,000.

The hirer’s personal belongings are not covered by Lucky Rentals.

The hirer is fully liable for any and all damages or costs when:

  • These terms and conditions are breached
  • Negligence or wilful misconduct has occurred
  • Incorrect or contaminated fuel is used (this includes running out of fuel or putting fuel in the water tank or system)
  • The vehicle is used in contravention of any legislation or regulation
  • The hirer takes the vehicle onto a beach or sand
  • The vehicle becomes submerged, flooded, bogged or immobile
  • The hirer does not obey height-restricted areas (such as, but not limited to, car parking buildings) and damage is caused to the roof of the vehicle
  • The hirer is involved in a single vehicle rollover. This includes, but is not limited to, a vehicle that has rolled, tipped, or fallen over on its side
  • Driving on gravel or unsealed roads (there are no restrictions on which roads the vehicle can be driven on, however, travel on gravel or unsealed roads voids all liability limitations)
  • Retrieving, storing and recovering the vehicle to the agreed rental location following an accident
  • The hirer has failed to stop and contact Lucky Rentals when a warning light appears on the dashboard
  • The hirer continues to drive the vehicle following the temperature gauge moving in a direction which shows a departure from the normal operating temperature
  • The hirer continues to drive the vehicle after a mechanical breakdown or failure (including an accident) has occurred
  • The hirer, at Lucky Rentals request, does not complete an insurance claim form following an accident


Excess reduction options

There are three levels of excess reduction options available to the hirer:

The Gambler
Lucky Rentals’ rates include standard vehicle with an excess of NZ$2500. i.e. There is no extra cost.

On the Fence
The hirer can pay an additional NZ$15 per day (to a maximum of fifty (50) days) and reduce the excess/bond to NZ$1500.

Sure Thing
The hirer can pay an additional NZ$25 per day (to a maximum of fifty (50) days) and reduce the excess/bond to NZ$0 ($nil).

Sure Thing includes the following:

  • Free hire of a picnic table, and a chair for each passenger (this must be pre-booked to ensure availability)
  • One complete windscreen replacement or multiple windscreen chips
  • Multiple tyre replacement
  • Free extra drivers


Third Party excess reduction is not compulsory in New Zealand and claims can takes months to resolve. For peace of mind, Lucky Rentals recommends the hirer take Sure Thing excess reduction option.