No daily cover charge
Risk Taker
$0per day
- Maximum damage liability
- $6,000
- Bond pre-authorisation
- $5,000
The lowest upfront cost, with the highest amount at risk if a covered incident occurs.
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Clear choices before you drive
Campervan Damage Liability Options
Every Vibe hire includes a choice of three liability options. Compare the daily cost, the amount you could be responsible for after a covered incident, and the bond required at pickup.
Compare the optionsChoose for the full hire
Three levels of financial protection
The options change your daily charge, maximum damage liability and bond. They do not change your obligation to drive lawfully, protect the campervan and follow the rental agreement.
Full comparison
What each option includes
The same types of covered incidents can qualify under all three options. What changes is the amount you pay each day, your maximum liability and the bond required.
| Feature | Risk Taker | General Cover | Premium Cover |
|---|---|---|---|
| Daily cost | $0 | $30 | $50 |
| Maximum cover charge | $0 | $1,500 | $2,500 |
| Maximum charging period | Not applicable | 50 days | 50 days |
| Damage liability per covered incident | $6,000 | $3,000 | $350 |
| Bond pre-authorisation | $5,000 | $2,500 | $0 |
| Accidental collision damage | Included, subject to $6,000 liability | Included, subject to $3,000 liability | Included, subject to $350 liability |
| Single-vehicle accidents | Included* | Included* | Included* |
| Rollover and write-off | Included* | Included* | Included* |
| Roof and overhead damage | Included* | Included* | Included* |
| Underbody damage | Included* | Included* | Included* |
| Third-party property damage | Included* | Included* | Included* |
*Included only when the incident qualifies for cover under the rental agreement and applicable policy. The exclusions and driver obligations explained below apply to every option.
All amounts are in New Zealand dollars.
Damage liability applies to each separate covered incident. The option recorded in your booking confirmation and rental agreement controls if it differs from this page.
What the numbers mean
Liability and bond are not the same thing
Understanding this distinction helps you choose a level that fits both your risk comfort and the available limit on your payment card.
Damage liability
The most you would normally pay for a separate incident that qualifies for cover. It is sometimes described as an “excess”. If the covered cost is lower, you pay the lower amount.
Bond
Security placed as a pre-authorisation on a valid payment card. It is not the maximum you may owe, and it can temporarily reduce the funds available to you.
Covered incident
An accidental event that meets the current rental agreement and applicable policy conditions. A collision or third-party claim can qualify; an excluded event or agreement breach does not.
Important limits
What every driver remains responsible for
None of the options is a waiver of every cost. If cover does not apply, your responsibility can exceed the selected damage liability and may extend to the full loss or cost.
Drivers and conduct
- Unauthorised, unlicensed or ineligible drivers
- Alcohol, drugs, illegal use or deliberately unsafe driving
- Reckless use, racing, overloading or using the wrong fuel
Roads and vehicle care
- Off-road, beach, flood-water or restricted-area use
- Continuing to drive after a warning light or unsafe condition
- Lost or damaged keys, interior damage and personal belongings
After an incident
- Failing to report an accident or provide requested information
- Admitting liability or arranging repairs without approval
- Any other material breach or applicable policy exclusion
Glass, tyres, wheels and roadside callouts
These can be treated differently depending on the cause. A tyre or wheel damaged as part of a qualifying collision may be assessed with that incident, while punctures, wear and avoidable tyre issues may remain your cost. Hirer-caused roadside callouts—including a flat starter battery, lockout or lost key, incorrect fuel or an empty fuel tank—may also be charged separately. Check the terms applying to your confirmed booking.
If something happens
Protect people first, then protect your claim
Prompt contact and good evidence help Vibe support you and assess the incident fairly.
- 01
Stop safely and contact Vibe
Check everyone is safe. Contact emergency services where needed, then tell Vibe as soon as it is safe to do so.
- 02
Record the details
Take photos and collect names, contact details, registrations and insurer information. Notify Police when required.
- 03
Wait for approval
Do not admit liability or authorise repairs unless Vibe approves them, except for immediate action needed to keep people safe.
Adding another driver
Additional authorised drivers are $2 per day. Every driver must be named on the rental agreement and meet the licence and age rules.
Questions before you choose
Damage liability FAQs
This page is a practical explanation, not the full contract. Read the rental policy and rental terms, then contact us if anything in your confirmation is unclear.
Is Premium Cover the same as having no liability?
No. Premium Cover reduces your maximum damage liability to $350 for each separate covered incident. Excluded damage, excluded costs and breaches of the rental agreement can still be charged in full.
Is the bond a payment?
Normally, no. It is a card pre-authorisation that temporarily reduces the funds available on your card. After a satisfactory return, Vibe requests its release within two business days, but your card issuer may take up to 10 business days to make the funds available again.
Is the bond the most I could have to pay?
No. The bond is security, while the damage liability is the maximum payable for a covered incident. For Risk Taker and General Cover, the liability is higher than the bond. Excluded damage and other amounts due under the rental agreement may also be charged separately.
What if the repair costs less than my damage liability?
For a covered incident, you pay the lower of the reasonable covered cost and your applicable maximum damage liability, together with any separate excluded amounts permitted by the rental agreement.
What happens if another driver is at fault?
Your applicable liability may be held or charged while the incident is assessed and recovery is pursued. If Vibe later recovers an amount that is due back to you, the corresponding refund will be processed after recovery.
Can I rely on my travel or credit-card insurance instead?
External insurance does not replace Vibe's bond or your payment obligations. You must meet the rental agreement first, then make your own reimbursement claim with your insurer. Check its limits, exclusions and evidence requirements before travelling.
Can I add another driver?
Yes. Each additional authorised driver costs $2 per day and must be named on the rental agreement, meet the age rules and present an acceptable full driver licence.
Plan your road trip
Choose your cover when you book
Search your travel dates, select your campervan and review the available liability option before payment.