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Fair wear and tear guide

Fair Wear and Tear Guide

Wear and Tear vs Rental Damage

Camplify has provided this guide to assist customers to understand the difference between wear and tear and damage. 

Members are reminded that a Motor Vehicle Insurance Policy is designed to cover the sudden physical loss, damage or destruction to the Vehicle. A policy has limitations and exclusions.

An Insurance Policy is not a "Maintain Contract" and therefore excludes depreciation, wear and tear, rust, corrosion, mechanical, structural, electronic breakdown or failure.

It is your responsibility as an owner to ensure that your vehicle is Fit-for-Purpose before any hirer and that an appropriate hand-over procedure has been provided to the hirer.

Fair Wear and Tear Guide.

The Guide lists what is considered Fair Wear and Tear and what Fair Wear and Tear excludes.

It addresses dents, stone chips, scratches, bumpers, wheels, wheel trims, tyres, windscreen, windows, lamps and external mirrors, upholstery, floors, carpets, dashboard, fascia, trim interior and vehicle cleanliness.


Please note this is a general guide for insurance claims. The hirers bond may be affected in some of these cases, based on the discretion of Camplify, if Camplify believes the hirer is at fault.

Dents

  • Fair Wear and Tear includes: Dents of no more than 20 mm in diameter(excluding bonnets and roofs) where the paint surface has not been broken and there is no paint removal, paint cracking or flaking. 

  • Fair Wear and Tear excludes: (a) dents of any diameter on bonnets, roofs, wheel arches, style lines, door sills or door edges;(b) multiple dents within a specific local area regardless of size; or(c) any damage affecting or penetrating the paintwork.


Stone Chips

  • Fair Wear and Tear includes: Isolated stone chips to any panel up to 2mm in diameter. 

  • Fair Wear and Tear excludes: More than 5 stone chips to an isolated area.


Scratches

  • Fair Wear and Tear includes: (a) not more than 20 mm in length and not more than 1 mm wide; (b) no paint surface penetration; and (c) can be polished out

  • Fair Wear and Tear excludes: Any scratch where the metal, plastic or undercoat is exposed.

Bumpers

  • Fair Wear and Tear includes:(a) light scuffing or scratches: (i) where there is no paint penetration; (ii) which are no more than 20 mm in diameter; 

  • Fair Wear and Tear excludes:(a) any broken paint; (b) multiple scratches of any size; (c) dents of 20 mm in length or more in diameter; (d) any damage to a textured bumper; and (e) multiple stone chips of more than 5 to an isolated area.

Wheels, Wheel, Trims, and Tyres

  • Fair Wear and Tear includes: Light scratches and scuffing up to 20 mm in length Mechanical related issues, eg wheel bearings. 

  • Fair Wear and Tear excludes:(a) wheel trims or hubcaps that are cracked, broken, missing, mismatched or not the original wheel trim or hubcap; (b) alloy rims for standard vehicles that are cracked, buckled, gouged or mismatched or not the original rim; (c) alloy rims for prestige and collection vehicles if: (i) a scuff mark is more than 20 mm in length; (ii) the alloy rim is cracked, buckled or gouged; or (iii) the alloy rim is mismatched or not the rim as originally supplied; (d) tyre tread and sidewall damage so that the tyre is unroadworthy e.g. cuts, bulges, gouges and abrasions, tyre misuse e.g. flat spots and burnouts; (e) replacement tyres that differ from those originally supplied.


Windscreen, Windows, Lamps, and External Mirrors

  •  Fair Wear and Tear Excludes: Scratches, chipping, cracks, holes or damage to: (a) the windscreen; (b) windows; (c) lamps; and (d) external mirror lens, as all such damage may affect the roadworthy status of the vehicle and may subsequently worsen over time from the vehicle continuing to be driven.

Upholstery, Floors, Carpets, Dashboard, Fascia, Trim Interior, and Vehicle Cleanliness

  • Fair Wear and Tear includes: (a) light marks that can be removed by vacuum or general cleaning; (b) light scuffing or smears or regular day to day debris that is removable by general cleaning. 

  • Fair Wear and Tear excludes:(a) any permanent damage caused by harsh or corrosive materials; (b) tears, cuts, scratches, holes or burns; (c) any damage to the structure, shape or positioning of a seat; (d) hair or scratches from pets; (e) excessive soil, mud or sand (other than from regular day to day use); (f) evidence of smoking in the vehicle; (g) odours or foreign matter; (h) stains or marks that cannot be removed by general cleaning or require steam cleaning.

Keys, Accessories and Equipment

  • Fair Wear and Tear includes:Minor cosmetic damage that does not in any way affect the functionality of the keys, accessories or equipment 

  • Fair Wear and Tear excludes:(a) loss or damage to keys or remotes;(b) damage caused by incorrect fitting of accessories (snow chains, roof racks); (c) damage to aerials; (d) removal or damage to any item supplied with the vehicle (parcel shelf, tools, spare tyres, wheel trims, hazard triangles, first aid kits, GPS unit).


Mechanical Issues

  • Fair Wear and Tear includes:Failures of the vehicle due to non-hirer related actions due to age, kilometres travelled, regular maintenance, etc. This may include drivetrain issues, gearbox issues, engine issues, etc.

  • Fair Wear and Tear Excludes:Actions of the hirer who have caused issues with the mechanical operation of the vehicle by not following the recommendations of the owner at handover or the manufactures recommendations of vehicle operation.