Spaceships offers three insurance levels:
Basic Insurance: Included with all Spaceships Campervans, for budget-conscious travellers that don’t mind the bond to pay for damages or a Vehicle Write-Off Fee. This has a bond of $5,000, a Vehicle Write-Off Liability of up to $18,000 and an Accident Admin Fee of $100.
Partial Insurance: A balanced option with a lower bond and reduced liability. This has a bond of $3,000, a Vehicle Write-Off Liability of up to $9,000 and an Accident Admin Fee of $100.
Stress-Free: Our most comprehensive coverage, now with more benefits included. It’s the best insurance option for complete peace of mind on your road trip in New Zealand: $0 bond, $0 Vehicle Write-Off Liability and $0 Accident Admin Fee plus added cover for just $35 extra per day (capped at 50 days). The Insurance Options apply to all ages.
All details of these options are explained on the 'compare our campervan insurance options' page.
You can stay on the minimum cover aka Basic Insurance and use an external excess insurance policy, but keep in mind that:
It will only cover the bond & excess used in case of damages or an accident. We will still need to freeze $5,000 on your credit card for the duration of your trip as you will be travelling on Basic.
No excess insurance policy can replace our Stress-Free insurance option. They are two completely different products.
Not all excess insurance company providers cover campervans or sleeper vans. Please check with your excess insurance company provider before you decide to travel on Basic and cover the excess via an external policy.
In case of damages, you will still pay for it via the bond which you then have to claim back from your excess insurance policy. This can take some time to resolve.
Make sure your external excess insurance policy covers the Vehicle Write-Off Liability of up to $18,000 as well in case the damage vehicle is considered to be a total-loss.
Our Stress-Free Insurance option is the most popular option for travellers as it reduces your bond to $0. It provides your vehicle with the maximum cover available, so you can relax and enjoy your holiday stress-free. It is the insurance option we highly recommend!