Couple having a picnic outside a P2 motorhome

Excess Reduction

A guide to Star RV's Excess Reduction options


The Excess Reduction Cover options vary by vehicle category. For each category, we have a range of options for maximum flexibility. The amount of excess in the event of an accident varies according to the excess option you choose, so you get to pick how much coverage you want.

Like any cover, however, there are exclusions. To find out more about these exclusions, check out our terms and conditions.

Our excess reduction options recently changed, so the options and inclusions available to you will depend on when your booking was confirmed or amended. To see which option applies to you, look at your confirmed or amended booking dates, as well as the type of vehicle you are travelling in.

Polaris 2

Risk TakerStress FreeStress Free Plus
Cost Per Day$0$55$70
24/7 Breakdown AssistYesYesYes
Front/Back/Side Panel DamageNoYesYes
Single Vehicle Rollover DamageNoNoYes
Overhead and Underbody DamageNoNoYes
Windscreen & Tyre CoverNoYesYes
One Extra Driver $0 FeesNoNoYes
Free Additional ItemsNoNoYes
Claims Administration Fee$75$0$0
Bond Required*$7500$0$0

Polaris 4

Risk TakerStress FreeStress Free Plus
Cost Per Day$0$55$70
24/7 Breakdown AssistYesYesYes
Front/Back/Side Panel DamageNoYesYes
Single Vehicle Rollover DamageNoNoYes
Overhead and Underbody DamageNoNoYes
Windscreen & Tyre CoverNoYesYes
One Extra Driver $0 FeesNoNoYes
Free Additional ItemsNoNoYes
Claims Administration Fee$75$0$0
Bond Required*$7500$0$0

Polaris 6

Risk TakerStress FreeStress Free Plus
Cost Per Day$0$55$70
24/7 Breakdown AssistYesYesYes
Front/Back/Side Panel DamageNoYesYes
Single Vehicle Rollover DamageNoNoYes
Overhead and Underbody DamageNoNoYes
Windscreen & Tyre CoverNoYesYes
One Extra Driver $0 FeesNoNoYes
Free Additional ItemsNoNoYes
Claims Administration Fee$75$0$0
Bond Required*$7500$0$0

A FEW THINGS TO NOTE

For hires of 51 days and over, a maximum of 50 days excess reduction premium will be charged.

If your booking was confirmed or amended prior to 1st May 2026 for debit card users: a $300 security bond applies regardless of the excess level selected.

If you’ve complied with our Terms & Conditions, your bond required* will be automatically released 7 days after pick-up or 48 hours after drop-off whichever comes first. It may take 7-30 business days to reflect back in your available balance, depending on your bank. The bond is an authorisation only, not a charge so it won't appear as a refund. No money is taken - it simply reduces your available balance temporarily. Once released, your bank removes the hold. The bond amount varies depending on your vehicle category and Excess Reduction option selected. 

If you have any questions about our excess reduction options, feel free to get in touch with our team.